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

I am a victim of identity theft, and Discover Bank was provided with a police report and an FTC Identity Theft Report in XXXX confirming that the debt in question is fraudulent. Despite this, they continue to report the fraudulent account on my credit report and have pursued a court judgment against me that I was never properly served for in XXXX. 

I only learned about this judgment in XX/XX/XXXX, when Discover attempted to levy my bank account. Under the Fair Credit Reporting Act ( FCRA ) and XXXX  Identity Theft Laws ( XXXX XXXX  ), they are required to remove fraudulent accounts once notified, but they have ignored my legal rights. They had the police report and ignored it. 

I am requesting that the fraudulent judgment and all related accounts be immediately removed from my credit report, and that all collection actions cease. I also request an investigation into Discover Banks refusal to comply with federal and state identity theft laws.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 


Account Name : 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 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 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 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 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 XXXX
Product: Debt collection

I started a loan to become a XXXX XXXX with Climb Credit services. 

I had unfortunate circumstances due to flooding in my home and a XXXX  XXXX and the school would not make any accommodations or assist in rescheduling classes. 

I was unable to finish and I continued trying to pay but was unable to continue and felt cheated. After awhile I was notified my debt was going to be sold and I would need to pay. I reached out for info and Im still confused, I was offered a way to pay a lump sum and be done but Ive been in financial struggles. After a few back and forths, I took some time to weigh my options but suddenly there was no way for them to respond to me VIA email and my online account doesnt show any information for me. It is showing on my credit report but theres no payment option shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXX XXXX for several months now, with no updates to my credit score in the last 3 months.
Product: Bank account or service

I created a checking account with Citibank under the promotion that you would receive XXXX american airlines miles. I completed the requirements for the promotion and even confirmed that I had completed the promotion with one of their representatives. They told me I had to keep the account open for 90 additional days, accruing more account fees, and then by XX/XX/XXXX the miles would be deposited into my account. XX/XX/XXXX is now over and Citi is now saying that I am not eligible for that promotion.
Product: Checking or savings account

Someone Fraudulently opened a bank acct using my info, then updated the system with new email info.. I Received emails from Wells Fargo on XX/XX/22 saying We received your application and it has been Approved, Also an email saying complete online banking enrollment I opened a case with my identity theft company and have put Alerts and Freezes are on all credit files. I don't have an account with Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/. As such, I submitted a notice to vacate on XXXX XXXX XXXX Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called equifax wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen XXXX  and XXXX  lock my account stating information is not matching equifax still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Faie Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$640.00}
Product: Credit reporting or other personal consumer reports

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Got a letter from Synchrony Bank saying I was denied a CARECREDIR card issued by them due to insufficient credit history. When trying to call the number listed : XXXX as I never applied it asked for my full social security which instantly seemed like a scam. I did not proceed with the card and I looked up online for CARECREDIT and was met with a different number and AI voice director. I am assuming this is a scam to get information but I do not want to throw it away. I have pictures of the letter.
Product: Debt collection

I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there were a couple of collection debts reported by a Company called  XXXX XXXX XXXX XXXX the amount of both accounts is {$0.00}. However, the company is reporting that the account was paid in full for less than the full balance. I sent Portfolio Recovery a validation of debt certified letter on XX/XX/18. While I did receive response letters within the required 30 days, I didnt receive evidence bearing my signature, showing that I ever had a contractual obligation to them or the original creditors. At this time, I am seeking assistance in having Portfolio Recovery remove both debts from all three credit bureaus since they were not able to provide acceptable proof of validation of this debt bearing my signature, and not just a printout of an alleged debt.
Product: Debt collection

I've tried repeatedly to settle thus debt with old navy. This card was charged after I closed the account with a {$0.00} balance over 2 years ago. Now there's over {$400.00}. Repeated phone calls. And now a debt collector called my husband, who was NEVER on the account and had no access. And told him FULLY about the charge, amount, store, and they were attempting to collect a debt. I'm still trying to get this off my credit report and end this card.
Product: Credit reporting

Equifax is reporting a number of inquiries on my credit file that i did not request or authorize. I filed a complaint with the FTC ( form attached ) and i would like the following Inquiries deleted from my credit file Company Inquiries : XXXX XXXX XXXX XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX Open Road Lending XXXX
Product: Mortgage

OnXX/XX/XXXX we started process of a reverse mortgage. This was to be a ZERO ... .NO COST LOAN. NO PMI, NO APPRISAL, NOTHING. Only amt. borrowed. {$270000.00} We were XXXX around, apprisal was ordered on XX/XX/XXXX. On XX/XX/XXXX appraisal was done. Apprisal was completed & signed off on XX/XX/XXXX.  Loan approval XX/XX/XXXX. We signed loan docs on XX/XX/XXXX. With disbursement of our closing, settlement payment on XX/XX/XXXX. Today is 3 months, 1 week later. We have benn fighting to get our money back. The loan officer says the owner would call us, claiming HUD was double payed the PMI. We had to be patient, I kept calling, kept emailing, same old story. Mortgage co.ower never called until XX/XX/XXXX. 2 months after our settlement date payment passed. He actedXXXX, like he had no clue what was going on. Like I was XXXX, or lying, or or loan office was XXXX, lying or did something wrong. Promiseing to email me all his info for our attorey as call ended. NEVER HAPPENED. Had to again dog our loan officer. The owner calls, lies says he called, emailed me. That he was now not sure if there was a legal way to do this. He now needed my attorneyes number. I said I want my money, only want my money, no more lies, no more XXXX. I DO NOT TRUST YOU, YOU ARE A LIAR. DO NOT CALL ME AGAIN. ONLY CORRESPONDENCE BY EMAIL. Everything in we ] riting only. I filed a complaint with Calif. Business Office. I still keep hearing I need time. Then the loan officer said the owner wants you to sign a letter of finincal hardship to get our refund, the he wrote up. And we will sign a release on my state complaint. I said we wanted any additional costs, intrest on our money todate of payment. Total on XX/XX/XXXX. For a refund to us of {$15000.00} YUP .... WELL NOTHING SINCE. I TOLD them today this was FRAUD. I had signed contracts. I have multiple emails. The loan officer spoke to my finincal planner who thought were were mistaken. I gave them until XX/XX/XXXX by XXXX. Them I was hiring an attorney and they would have those bills too. I am a XXXX Sr. Citizen. My husband was laid off last winter. Which is why we did this Reverse Mortgage to BE ABLE TO HAVE NO PAYYMENT. MONEY TO LIVE ON. I suffer from XXXX XXXX XXXX XXXX. The XXXX of this is causing a huge amount of XXXX on me, my husband & my marrige right now. My husband did NOT WANT TO DO THIS BUT WAS GUARANTEED WE WOULD HAVE NO COSTS. He is on me daily. I am at my witts end. Please can you help us get our Settlement costs refund?
Product: Credit reporting, credit repair services, or other personal consumer reports

The car I HAD WITH XXXX XXXX XXXX has been REPOSSESS and the account is showing as an OPEN car loan when it should be closed on my credit. Equifax would know that if they had investigated thoroughly and asked if I still had the car. I have no problem with the account being on my credit REPORT THE STATUS OF THE ACCOUNT CORRECTLY!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XX/XX/2024, I certified mailed documents to XXXX, Equifax, and XXXX credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a three ( 3 ) bureau credit report, and a copy of FCRA section XXXX. XXXX XXXX requires the above mentioned agencies, to remove the fraudulent items from my credit report within XXXX ( XXXX ) business days. 
The documents were received on XX/XX/2024. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX Equifax received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, XXXX, Equifax nor XXXX has removed the fraudulent items from my credit report.
Product: Consumer Loan

Paypal credit is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s )
Product: Payday loan, title loan, personal loan, or advance loan

I paid for XXXX items. One item ( the red dress ) came with blue stains at the top. Another item ( the black two-piece set ) dimensions were off. The picture on the merchant 's website shows a crop top and short shorts. However, the shorts were longer than in the picture and the shirt was passed my navel, so not a crop top. I sent the pictures to the merchant, and they said they would give me an exchange or store credit. At first, I denied this offer but when I realized I could not get my money back I settled for exchanging one item for a dress that I don't even want and requesting store credit for the remainder of my money. At the time, the merchant did not have anything else on her site that I wanted. So, she said she would give me store credit. Since then, the merchant has stopped responding. So, I submitted a claim to affirm that was denied because they told me I had to resolve the issue with the merchant and that the merchant told them that there are no refunds due to COVID. However, I have messages from the merchant that offered me a refund and store credit despite these false claims that the merchant submitted to Affirm. I also have messages of me reaching out to the merchant to resolve the claim again and she never responded. As a result, I paid affirm and then disputed the transaction with XXXX and my bank who decided to provide me with a refund due to credit from the merchant not being applied. Now, affirm is charging me again for the items.
Product: Debt collection

I opened a business in XX/XX/XXXX with another person.  At that time we opened up a number of business accounts with vendors and banks.  In XX/XX/XXXX I left the business and sold my ownership to my business partner.  We provided all of our vendors and banks with our documents showing the business ownership changes.  I requested that all of the cards in my name be closed and closed the credit line that was in our joint names.

My old partner continued to operate the business till XX/XX/XXXX/XX/XX/XXXX time frame.  During that time he apparently racked up debt he could not afford and he started receiving collection notices.  I received XXXX from XXXX at that time in my name.  I contacted XXXX and provided them with my change of ownership documentation and the lady I spoke with claimed to update the account and never contacted me again.  In XX/XX/XXXX I ran my credit report and saw a collection agency was listed trying to collect on the old XXXX debt.  I called the company, explained the situation, and they stated that when XXXX sold them the debt they only listed my name on the account and not my old partners.  I was able to get my old partner to contact the collection agency and agree to pay the debt.  I provided the collection agency all of the ownership change forms at the time and they never contacted me again.  

My partner never paid the debt and when I attempted to get a mortgage recently I saw that the debt was still on my account.  I contacted the collection company, CACH LLC and they said that they would not remove me off of the account because that is how they purchased it.  I requested that they contact XXXX to get updated records because my partner should have been the personal guarantor and they would not do it.  They said I had to get XXXX to provide me that documentation.  I called XXXX to request details on the account.  XXXX said they can see that my partner is a personal guarantor and they have notes in their system that there was an ownership request documented but they don't have any additional details.  They don't have copies of the change of ownership forms I sent in nor copies of the contract stating I am no longer responsible for the business.  They are going to provide me with a letter stating that my partner is a personal guarantor but will not provide me with anything stating that I am not.

I have also requested documentation from CACH LLC and XXXX, verification of what the debt is.  I was not with the company during the years that the debt was incurred so I have no idea what they believe I am responsible for.  Neither CACH LLC nor XXXX has been able to provide me with any account statements stating who used the account, what was purchased, whose card was being used and in what amounts.  I have received nothing from them.  I originally made this request in XX/XX/XXXX and they did not provide it and I'm making the request again in XX/XX/XXXX and they are telling me they don't have any of those details.  I don't have chance to dispute these charges if they can't provide me with the details on the account.