23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to cash a check at XXXX XXXX, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a XXXX XXXX XXXX Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX XXXX was never paid, reporting source is Complete Payment Recovery Services with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called Complete Payment Recovery Services and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX Payment Solutions at XXXX XXXX XXXX XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX XXXX. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

I was in prison and was released to a halfway home and someone got a car in my name. 
and my credit report is perfect but I will not pay for a debt that is not mines.. 
Now I am trying to help myself. 

According to my experian monitoring system this account open XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX original balances
Product: Checking or savings account

On XX/XX/2021, Revolut limited access to my account without notice or without stating an explicit reason why. This limitation results in me not being able to use my funds at all - effectively a full freeze where i am not even allowed to access past bank statements or other useful information. 

Note : This was preceded by an untimely review of a transfer to my account, which i have submitted another complaint for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX Equifax and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, I am writing this in a dispute that I am having with the main credit bureaus. I have accounts on my profile that are not mine. I am a victim of identity theft and I am writing to have these accounts removed or blocked from my credit profile. I am entering a stage in my life where I would like to purchase a house with my husband and it wasn't until recently that I saw these fraudulent accounts on my profile. Please investigate and have these accounts removed immediately. 

Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian previously about this account. In a recently recorded conversation XXXX XXXX XXXX told me that they couldnt find an account with my name or the info I provided and that they didnt have an account for me. Yet Experian continues to report it. How can you report an account that they say that cant find, but when I dispute it you all say that it has been verified but the furnisher. I have asked numerous of times for this account to be removed. I have attached the recorded conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update.
Product: Credit reporting or other personal consumer reports

Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status. 

Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My business bank account has supposed judgement that enforced on XX/XX/XXXX by XXXX XXXX, I have not servered by the debt collector but there was supposed judgement sent to them when I called the county of clerk of courts they told me that no judgement has been served the case has is in processing so they are not suppose to take anything from my account unless a judge ordered it. I contacted bank of America today and ask if a judge had signed off sent the bank a letter saying that they can levy or garnish my money they said no the lawyer for the company sueing sent me them the information so basically where I am confused is how Bank of America took that and ran with with it because the documents that I have shows that nothing was signed off and nothing was awarded to the other side regarding the situation. Then Bank of America sent me a check of XXXX because they didn't tell me what the check was for I didn't know that my account was a not able to have nothing go in or out so I deposit the check back into the account so now I'm they have it part of the legal fees and refuse to cut me out another check.
Product: Debt collection

From XXXX to XXXX I was working at the IRS in XXXX, GA and I applied for a XXXX XXXX Credit Card which included the XXXX XXXX, which is a program that in which if you lose your job for reasons outside of your own negligence they XXXX XXXX XXXX would basically wipe out or cancel out said debt. In XXXX we were furloughed from the IRS without a return date to go back. I contacted the creditor ( XXXX XXXX ) and told them my employment situation and they requested I send in documentation regarding the IRS Furlough, my GA Unemployment Documentation as well as pay check stubs from 3-6 months prior to the Furlough taking effect. I submitted this documentation and XXXX XXXX never clarified or processed the XXXX XXXX Debt Cancellation. For years I have been disputing this error as well as submitting the same documentations I originally submitted to all 3 Credit Bureaus as well as the collection agency Jefferson Capital and to no avail they still have not removed said debt. But have managed to keep selling this debt to various collection agencies with the most recent being Jefferson Capital
Product: Credit reporting, credit repair services, or other personal consumer reports

The ledge account was open 2011 thaw is not my account I did not open this account with this company. I've as for the credit application numerous of times and the company still hasn't provide the information. I've sent dispute over with my driver license and other documents the company has ask for. I've sent over all the information the company requested from me to provide my identity. I can't provided any contract but the company has provided me with such documents.
Product: Credit card

Wells Fargo Visa offered 21 months XXXX percent on balance transfers. In the 21 month period I was given increased credit credit line to {$20000.00}. Never missed a payment and always paid more than the minimum. I was carrying a balance of {$13000.00} at month XXXX Wells Fargo reduced my credit limit by {$6000.00} causing my credit score to fall XXXX points and showed my card at maxed out. I was only notified by the change via snail mail which I received after they reduced my credit.
Product: Credit card or prepaid card

My wife and I visited XXXX  XXXX XXXX to purchase furniture for our new home. During the furniture selection process, salesperson talked about financing options. We declared before we started the selection that we intend to finance the furniture and take advantage of 0 % financing. 

Our total came to about {$9000.00} and we were excited to get the finance. I completed the XXXX  XXXX  application and I was approved for financing. When I received the invoice, the total was about {$14000.00}. When my wife and I tried to understand the difference in the final bill, the sales person told me that we would not receive any published prices because I am financing. 

Since we had spent 6+ hours picking furniture, I decided to find an amicable solution and make the purchase. 

When I arrived home, salesperson had accidentally sent me a previous invoice which should the advertised price. We had purchased some floor models which were 50 % off and marked on the floor accordingly. Please review attached multiple invoices with the same same items, but different prices. 

The invoice associated with financing the prices were changed for most items - {$490.00} chair was {$590.00} ; {$120.00} floor model lamp were {$240.00} ; {$120.00} dining chairs were {$290.00} ... 

People at store and their guest service line, explained that this is agreed with Synchrony rules and guideline.

If such agreements exists, I am convinced that Synchrony and XXXX is conspiring to overcharge customers. If such agreement does not exist, Synchrony is not inspecting how their deal is abusing the funding made available to the customers. 

I shared my experience with XXXX  XXXX and they asked me to work with the store. 

When my wife and I were at the store during the selection process, we overheard two couples with similar complaints. 

This must be reviewed, and addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting credit agency that XXXX is reporting a repeating charge off for more than XXXX XXXX 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the XXXX  day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

XXXX showed my last payment as XXXX XXXX XXXX XXXX and Experian showed last payment as XX/XX/2018 A high credit amount was shown on XXXX as {$4500.00} While XXXX and Experian showed high credit as {$4700.00} Date last active on all 3 Experian, XXXX, XXXX are all showing 3 different dates. 


Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.
Product: Debt collection

Aldous & Associates called me and insisted that I owe them {$210.00} for a gym membership that I canceled. When I asked for verification and documents to show that I owed them the money, they said they already sent me a written notification which I did not receive. Threatened me by telling me my credit would be ruined and I should pay right away with a XXXX or XXXX. I asked him to send me written proof and documentation as I did not trust or know if he was a legitimate debt collection agency. He refused to answer my questions, insisted that I just pay him and when I repeated my request for written documentation he hung up on me. Very rude and threatening conversation from the Aldous & Associate.
Product: Debt collection

On Wednesday XX/XX/XXXX, I received a text message from XXXX stating : " XXXX, your bank has confirmed they received our request to freeze your accounts, which should take effect in XXXX business days. I also informed our enforcement team to arrive unannounced since you didn't schedule a time. Please notify anyone at your business or home addresses. Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX sent this identical text to my mother and my son. I called my bank and they advised they had no idea what they were talking about and that this was most likely a scam. 

I called the number the text was sent to and was advised that this was regarding a business loan, that I admittedly defaulted on as the business was closed in XXXX of XXXX. I advised that I had not received any written communications from them and told them to sue me. He advised they have a UCC XXXX and they are coming to my home. I advised no one had better come to my home and he said they were bring law enforcement with them. I advised that I wanted to see a court order and he said they did not need XXXX as they filed a UCC XXXX. I have never received so much as a letter from this company and I did not take the loan out through this company and no matter who he is with I am certain that he can not threaten me or give information out to my family and friends about this and he definitely did do so when he contacted my mother and my son. 

This man has scared the XXXX out of me. I am raising a XXXX XXXX XXXX grandson and I am afraid of what they will pull next.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted TRANS UNION and submitted ( online and via mail ) a Federal Trade Commission identity theft report along with a police report regarding fraudulent account, XXXX XXXX, that is on my credit file. I also requested that this account be removed and BLOCKed from my credit report. According to FCRA 15 U.S. Code 1681c2 the information must be blocked within 4 business days of receiving identity theft supporting documents. However, this fraudulent account remains on my credit file. When I called on XX/XX/2022 to inquire about the status of removal I was told by a customer service representative named XXXX that it will take 30 days for them to complete an investigation, not XXXX business days. Note that all documents submitted to TRANS UNION are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$7200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of EdXXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX Bank, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been calling and sent letters to EXPERIAN to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 
Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.

.
Product: Credit reporting or other personal consumer reports

Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX