23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized and fraudulent accounts that remain on my records despite my timely submission of the necessary documentation, including a detailed letter noting the fraudulent activity. 

Details of the Issue : I provided documentation, including police report, identity theft affidavit regarding accounts fraudulently opened in my name. 
Per the institution 's own policies and federal guidelines, these accounts were to be blocked and removed within four business days.

To date, these accounts remain active, causing significant harm to my credit profile and financial well-being. 
Despite my thorough efforts, I have not received resolution. I believe this is an unnecessary and intentional delay. This failure to act violates my consumer rights under federal law.

Requested Action : I demand the following : Immediate removal of all fraudulent accounts from my records.

Written confirmation of the resolution within seven business days.

Assurance that no further delays or stall tactics will occur.

I have attached all supporting documentation, including the letters and reports I previously sent to the institution. This situation is unacceptable, and I expect swift corrective action to prevent further harm. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, XXXX, XXXX, XXXX XXXX reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt., XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! You have been served NOTICE TO DELETE THE CHARGEOFF, ITS INACCURATE You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust.
Product: Debt collection

since XX/XX/XXXX I lost my credit one credit card. I know it had a zero  balance. 
This card was closed with a XXXX balance and statement to prove i do not owe. XXXX  XXXX removed from my credit report, however LVNV  funding who they partnered with did not. originally both were trying to come after me for the same amount over {$570.00}. Which I did not owe. I have sent letters and email and proof on both ends that this is illegal and extorting since there was no amount owed. I have lost over 50 points on my credit because of this denial of a home. I refuse to pay this debt that I do not owe. I spoke w 7 XXXX  2 wees ago XX/XX/XXXX. Which they said they would remove after almost 3 years of fighting. they gave me the XXXX as remove. now XXXX it has not been removed and everytime I call they hang up on me and say they can't help me. I do not owe this amount and I have not charged anything on this card since i lost it in the mist of moving from XXXX to XXXX  that same week. I have tried to contact over 27 times each company and have not had any luck.
Product: Mortgage

I was late on paying my property taxes for XXXX. I was in the process of applying for Mortgage relief fund when I realized Rocket Mortgage paid my taxes and created an escrow account. My paying more than doubled from {$1300.00} to over {$2900.00}. I could have setup a 5 year payment plan with the county instead repaying everything within a year. I asked them to send the paperwork, allowing them the right to pay the taxes and create a escrow account. They sent me a document that doesn't have my mother 's signature. There are XXXX pages and every signature looks different.
Product: Credit reporting or other personal consumer reports

I found inquiries on my report that i dont recognize such as factual data on XX/XX/2024 on XXXX  and transunion
Product: Credit card or prepaid card

I am a victim of identity theft and this account was opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish account without my written instructions.
Product: Debt collection

XXXX XXXX which may or may not be his legal name keeps calling me from Nationwide Debt Management asking for XXXX people whom I do not know. He 's extremely rude when he calls me after I 've very clearly stated that he has the wrong number. After wasting several minutes avioding telling me who he works for, he finally told me he was calling from debt management and even though I told him he had the wrong number, he assured me that he was going to keep calling and harassing me. His direct number is XXXX XXXX XXXX
Product: Credit card

Since XXXX I have informed Oportun Inc. that there are discrepancies in the reports it is issuing to the CRA agencies, I also asked that it disclose all the information regarding the increases in the XXXX that I was charged, and so far I have not received any response. 
They continue to report incorrect and incomplete, marking charge-offs on incorrect dates especially when payments have been made to the account. I asked them to investigate and even dispute it with XXXX and they have only limited themselves to confirming that the account is verified and compliant, but they still do not confirm when the final payment date or the closing date occurred. I paid them everything, I don't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried numerous times to to reach out to Transunion and they dont get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is forcing me to send a form or call for a copy of my credit report, this is unacceptable when I was recently denied credit for a XXXX credit score, this is far below the XXXX XXXX score that my 3rd party monitoring XXXX reports. So transunion is reporting an incorrect score when I apply for credit, likely providing an older report. I am working on rebuilding my credit and part of this is taking out new loans and credit cards. I expect my bankruptsy to drop off in XXXX and am working on getting a good payment history with multiple accounts. 

Note, XXXX is stating that they are providing weekly reports but with their systems being problematic I have been unable to get these from transunion. 

We need a consolidation and better control of these credit reporting agencies. In addition I have had multiple issues the past few months not just with pulling my annual report but adding and removing freezes with Transunion. I beleive this is IT/System infrastructure based. 

Transunion needs to fix their free systems, I feel these troubles are a way of upselling consumers to their paid credit monitoring, this is clearly a bait and switch scheme.
Product: Credit reporting or other personal consumer reports

I filed a dispute on equifax due to 15 USC 1692g.. Equifax denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company equifax. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Equifax has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of approvals. Equifax violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the fair credit reporting Act XXXX XXXX XXXX Account XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXXXXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy. 
15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy. 
15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy. 
15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There's alot of inquiries on my report saying what I applied for as it has it XXXX or XXXX XXXX why would I apply XXXX times around the same amount of time it's wrong and I see a phone number XXXX area code I never had a number with that area code so some of those things are wrong why would I apply for credit in the same card within XXXX weeks or XXXX months or so and those loans u never had them check my credit .atbw XXXX of them and maybe somehow they all got my information and started getting me inquiries and the reason I wansnt paying my credit cards as I was in the beginning is due to covid and loss of job no income at all no unemployment nothing at all I get no income and they keep knocking my credit lower buy ita Vue to the COVID and hard to get a job and the XXXX XXXX XXXX they sold my file or something like that now someone else has my information not credit one no more that's giving my identity away to someone else when I never got a credit card from. Then but there askr me for paymenta
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Removal of Inaccurate Negative Reporting CFPB Complaint To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting on my credit report. This erroneous reporting is severely impacting my ability to obtain necessary credit and secure stable housing for my family. Your actions constitute a violation of federal consumer protection laws, and I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities if it is not remedied immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide a consumer with a written notice of the debt within XXXX days of initial communication, allowing the consumer to dispute its validity. I have never received such a notice, nor was I given the opportunity to verify or challenge this alleged debt. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, mandates that furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the data they report. Your failure to properly verify and notify me of this debt before reporting it is a clear violation of these consumer protection statutes. 
In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court reinforced that a debt collector can not assume a debts validity without substantiating documentation. Additionally, XXXX v. XXXX Creditors Ass'n, XXXX XXXX XXXX ( XXXX Cir. XXXX ), clarified that debt collectors must have a permissible purpose to report negative information. Given your failure to notify me and verify the debt, your reporting is not legally justified. 
Based on these violations, I demand the following actions immediately : 1. Cease all reporting of this debt to the credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Provide documentation proving that I was properly notified and that this debt is valid. 
3. Immediately update my credit file to remove any derogatory information related to this debt. 
Failure to comply with these requests within XXXX  days will result in my filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal counsel regarding my rights under the FDCPA and FCRA. 
Please confirm in writing that this matter has been resolved, and all negative reporting has been deleted from my credit file. You may send your response to the address listed above. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

To Whom It May Concern, I am requesting that Capital One review my financial situation to see if I qualify for any workout option. I am having financial problems making my monthly payments because of financial difficulties due to pandemic. 

I have recently lost my job due to it closing down and I am taking significant pay cut due to the current devastating economy. I used almost all of my savings and it is getting more and more difficult to stay up to date on my rent payments and much more. I cant find a job at all due to Florida covid cases continually increasing and nobody is hiring or even close to what I was making to keep up with my mandatory living expenses for my family and I to survive. As a result of the outlay in expenses and the bleeding dry of my money, I am struggling to make my car payments. Kindly consider my current situation and consider my request for some type of help. I had every intention on making good on this loan as well as my previous loan with you guys, but at this time it does not look possible. 
When I received this loan I wasnt aware of pandemic I knew I had to get out my car or I will be owing a lot of money. I didnt take any of this into consideration at the time that I will be in this situation today. This current financial situation that will cause me to be default on our loan agreement. I dont want to lose my vehicle and will do anything I can to work with you to remedy the situation and find a solution that will benefit us both or my only option will be I will have to voluntarily surrender the vehicle. Please consider my situation and consider my request for help. 
Thank you for your assistance and cooperation. 
I XXXX XXXX state the information provided above to be true and correct to the best of my knowledge.
Product: Credit card or prepaid card

After filing a claim with Bank of America for my stolen EDD card, I was issued a temporary credit to the account and then it was made permanent when they finished their investigation. Then when the CA EDD did a fraud overhaul they closed my account pending and identity verification, which was successful and the account was reopened. Despite the fact that the EDD verified my account, Bank of America retroactively reversed the " permanent '' credit and it has left me with a negative balance for over a month and the inability to pay my bills. The banks claims department- which is impossible to get through to- told me to send them a letter or fax convincing them that the fraud was real, even though they completed their investigation and came to that conclusion themselves already. 

They are not following the timelines as stated in the fraud liability protections and therefore have illegally taken almost {$10000.00} from me with no timeframe or defined course of action to take or that is in place to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have attempted to dispute by mail asking them to remove XXXX inaccurate addresses XXXX which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- WRONG APT NUMBER should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- NO APT NUMBER LISTED I demand these inaccuracies be deleted from my credit file as they are false and inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago.

I explained that the agreement I had made with a XXXX  representative was for a continuation of all aspects of my current service for two years at a set price.

However, after the first year XXXX raised the price on one of the components of the service. I advised XXXX at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX sent a bill for early termination which I did not pay.

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( XXXX, Transunion, XXXX  ) answered my request for an investigation. All three came back marked, " Debt Confirmed
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for portfolio recovery associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed.
Product: Credit card

I HAD TWO CREDIT CARDS ( WALGREENS AND SAM 'S CLUB ) ISSUED BY SYNCHRONY BANK WITH A CREDIT LIMITS OF {$2500.00} AND {$6000.00} RESPECTIVELY. 
i HAVE BEEN MAKING BOTH PAYMENTS ON TIME AND ABOVE THE MINIMUM PAYMENTS DUE EACH MONTH. NEVER MISSED ANY PAYMENT, BUT EVERY 60 DAYS THE BANK WILL REDUCE THE CREDIT LIMIT AND INFORMED THE THREE CREDIT BUREAUS THAT ADVERSELLY REDUCED MY CREDIT POINTS BY XXXX POINTS EVERY TIME THEY DO THIS. I WORK HARD TO PAY MY BILLS BUT THIS BANK CONTINUES TO DRAG ME BACKWARD ESPECIALLY WHEN MY LOAN WAS DENIED DUE TO THEIR BAD DECISIONS. I AM REALLY STRUGGLING TO STAY AFLOAT BUT THEY ARE THE STUMBLLING BLOCK IN MY FAMILY 'S FINANCES. 
PLEASE I BROUGHT THIS TO YOUR NOTICE FOR THEM TO STOP THIS CORPORATE DESCRIMINATION. I DID NOT DEFAULT ON MY MONTHLY PAYMENTS AND DO NOT DESERVE THIS UNJUST AND HARSH TREATMENT. LOOKING FORWARD TO HEARING FROM YOU. 
I REMAIN
Product: Credit reporting or other personal consumer reports

I still see inaccuracies on my credit report even after the credit bureaus furnished my report without written intructions to be modified. Date opened, last reported, last active and last payments are still inaccurate. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and equifax has violated my rights. 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. I did not consent to have any of my reports furnished or modified.
Product: Credit card

I have been a CHASE XXXX Credit Card Customer since XXXX. 

This credit card features one free night every night of hotel stay at any of the XXXX XXXX  chains worldwide. Chase in-turn charges {$59.00} annual fee every year for this card.

And, the free night reward is called CHASE Free night reward. 

I have been getting rewarded consistently every anniversary year a month after annual fee getting charged to me ( Usually in XXXX every year ). 

But, lately, I have not been rewarded CHASE Free night for the year XXXX even though CHASE charged me annual fee for the card in XX/XX/XXXX. 

I have raised a complaint both with CHASE and XXXX but they both blaming each other for this situation and as a consumer I am getting impacted for not getting rewarded for CHASE free night reward. 

The card is provided to me by CHASE and the financial institution has the liability to fulfill all the terms and conditions that were agreed upon at the time of filing the credit card application in XXXX else this should be considered as CHASE following malpractices. 

The last time CHASE free night got rewarded to me was in XX/XX/XXXX and since then there has been no CHASE free night rewarded to my account. 

CHASE should return annual fee of {$59.00} charged to me in XX/XX/XXXX if they are not fulfilling the agreement of CHASE free night for the year XXXX.