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

This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit! 


Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ),  you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with XXXX XXXX and SYNC/WalMart. While no accounts were established the application left fraudulent inquiries on her credit reports from both XXXX XXXX and SYNC/WalMart. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not given permissible purpose or any written consent by me to inquiry on my consumer report ; furthermore I do not have any open/end account with any of these companies.
Product: Checking or savings account

XX/XX/year> deposited a payroll check at a XXXX anytime ATM for {$3000.00}. The same amount is deposited at the same time every month for the same amount from the same company. We've never had a NSF fee and we've never had a negative account. We deposit over {$10000.00} a month with this bank. They are saying because we made it at a co-op ATM that they don't know what kind of deposit it was and until the co-op bank releases the funds they can't release the funds. So they gave us a seven day hold date. When we make this deposit in the branch it's a two day hold. There should be no reason they hold it for seven days? We have bills that are going to take our account negative.
Product: Debt collection

Received an email from something called XXXX. I have some accts with Synchrony Bank so didn't think twice about opening it. It asked " Did you forget something? '' Then said I had missed a payment. It gave an acct # ending in XXXX ( which I found out was opened XXXX XXXX, XXXX ). & giving one acct number When I went into the " Pay Now '' button to see who this was claiming we were past due it went to Rooms To Go which had had the acct # ending in XXXX whom we haven't owed for about 22 months due to a 'charge-off ' that long ago. It said I owed {$430.00} which is approximately what I owe on another account having nothing at all to do with any of this! Payments on that account is {$35.00} per month which is what this email claimed I had missed paying but now owed {$63.00} due XX/XX/XXXX & said I could pay as a guest. I knew then this had to be bogus. I called the phone # provided XXXX & got a guy with such a thick accent I barely could understand him but he said this was an attempt to collect a debt & the number I would have to call would be XXXX. The lady did not have as thick an accent & " seemed '' business-like & took information saying she was going to contact all 3 credit bureaus & alert them of possible ID Theft & to flag any further credit applications to Synchrony Bank . However she assured me this would not affect the accounts I already have with Synchrony Bank. I've looked up the phone number of Synchrony Bank & it does not match either one of these. So, what is one to do? I knew I was not behind on anything! All our bills are paid! We have a perfect record of paying our bills 100 % on time. We do not need this black mark on our name/credit! I checked out XXXXsyncb. For goodness sakes! We would NEVER apply for a credit card or credit period to buy diamonds or cars or other luxury items! I did try to file a complaint with one of the 3 credit bureaus but not sure it went through. It's much harder than it used to be to do so & much more confusing. 
Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX OF XXXX bank XX/XX/year> XXXX BANK XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted 3 written requests and 7 phone calls to have my credit report corrected. Transunion incorrectly combined my account with someone else. I was able to have the incorrect name, address, place of employment removed. Then called to have incorrect accounts removed which were. The second and third letters were regarding two bankruptcies that do not belong to me. They did not remove on the second letter but did not change information. The third letter included the court dockets to show the other persons name and SS # and rather than removing the bankruptcies, they readded the other persons information back to my report. All other credit bureaus are not including this information.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the XXXX Contact Information Personal Statement Accounts Affected by the Crime Fraudulent Information on Credit Reports FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX please remove all fraudulent accounts and inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : the company Other Identity Theft Company or Organization : the company Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Social Security Number Date of Birth Names : No Data Supplied Addresses : XXXX XXXX Phone numbers : No Data Supplied Employment Information : No Data Supplied Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under penalty of perju

ry , I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fin imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local polic XX/XX/XXXXXXXX XXXX XXXX XXXX  https : //www.identitytheft.gov/XXXX I looked at my XXXX credit report on XX/XX/XXXX, a

nd noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

Opened XX/XX/XXXX reported XX/XX/XXXX. Charge off Kia motor finance c # XXXX XXXX XXXX I dont understand why they debt is on my report the I purchased gab and was informed that would take care of my balance.

I contacted the company about it being paid off by the insurance company and me having gab that was never used and was informed that they would look into it and let me know. Never received any calls about them looking into it but the debt was off by my insurance company and the remaining should she been under gab insurance which is the XXXX dollars.
Product: Debt collection

I sent a validation letter to National Credit Systems and to every credit bureau on : XX/XX/year>, XX/XX/year> and XX/XX/year> by certified mail. Ive never received a response back from them.
Product: Checking or savings account

My XXXX account I believe was hacked due to the fact that i had not sent out any money on the app, I always use XXXX. The following dates are the dates that the transactions took place XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. I know youre first question is Why had you not spotted this sooner? And to be honest, I check my checking account at the end of the month when i get my statement. Even after i took this up with my bank and XXXX XXXX told them my story and waited for a few weeks, they did absolutely nothing about it. This makes me extremely upset because in that one month i had lost {$7200.00}. And then telling me they cant do anything about it even though that is what theyre designed to do just makes this whole situation sickening. To conclude, I would like to give a huge thanks to The First Midwest Bank for doing absolutely nothing about fraudulent charges and will be most likely switching banks if this ever gets resolved due to the fact that they were unprofessional about this whole situation.
Product: Debt collection

Chrysler Capital Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX **Re : Request for Form 1099-C Account No. : XXXX Dear Chrysler Capital XXXX I am writing to formally request a copy of the IRS Form 1099-C for the account referenced above, which was charged off and reported to the credit bureaus as such. Under IRS regulations, when a creditor writes off a debt as a loss and cancels a portion or all of the outstanding balance, they are required to report this cancellation of debt as income to the debtor by issuing a Form 1099-C. 

According to my credit report, this account was charged off, indicating that Chrysler Capital has likely canceled this debt or a portion of it. As per IRS Publication 4681 and the Internal Revenue Code, 26 U.S.C. 6050P, creditors must issue a 1099-C when {$600.00} or more of debt is forgiven or written off. I believe this is applicable to my case, given the charged-off status of the account. 

Please send the Form 1099-C to me at the address listed above or email it to my email address : XXXX. This documentation is essential for my tax reporting and records. If you believe a 1099-C is not required for this account, kindly provide a detailed explanation for your decision. 

I look forward to your timely response and the issuance of the requested form. If I do not receive the form or a satisfactory response within 30 days, I may pursue this matter with the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal action to ensure compliance with both IRS requirements and relevant consumer protection laws. 

Thank you for your attention to this matter. 

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

2018 filed chapter XXXX bankruptcy but the action was declined by the bankruptcy court. The filing was posted for 2 incidents in Experian, XXXX, FICO, and others. They have declined to remove the information and have provided it to insurers, banks and other financial institutions.
Product: Credit reporting or other personal consumer reports

This Nationstar/Mr. Cooper Mortgage Loan began after servicing was transferred from XXXX to Nationstar/Mr. Cooper in XX/XX/year>. The transfer period from XXXX toNationstar/Mr. Cooperwas stated to be 60 days per an email and also a letter delivered by the US Postal Service. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of 60 days beginning in XXXX. 

The transfer period was therefore still in progress in XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the Nationstar/Mr. Cooper mortgage loan was paid in full. As a matter of fact, Nationstar/Mr. Cooper sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from Nationstar/Mr. Cooper stating that the mortgage loan had a 60-day transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXX XXXX  ), Nationstar/Mr. Cooper inaccurately reported a 30-day late to XXXX, XXXX, and XXXX for XX/XX/year>.
Product: Credit card

Subject : Complaint Against Apple Card Goldman Sachs for Handling of Dispute Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their mishandling of my dispute and corrupt practices in reverting funds from the seller. On XX/XX/2023, I purchased a sports camera from XXXX, advertised with a 12-day delivery, free returns, and an on-time guarantee. However, upon receiving the item, I discovered that the camera was malfunctioning. I requested a return and refund, but the seller failed to provide a free return label, instructing me to send the item back to a XXXX address at my own expense. 

The seller did not honor their free return policy. Subsequently, I initiated a dispute with Apple Card Goldman Sachs. Despite providing all necessary evidence, the bank failed to resolve the dispute, insisting that I continue making payments. I requested a re-opening of the dispute, but on XX/XX/2023, they again claimed that the dispute had failed. 

I have presented conclusive evidence that XXXX did not adhere to their return policy, proving them to be fraudulent. Moreover, Goldman Sachs engaged in unethical conduct by reverting the funds in XXXX, informing me afterward, and demanding payment without disbursing the funds to the seller. The Dispute Status reads " Completed ( Disputed charge ( s ) will remain ). '' I urge the authorities to investigate and supervise Goldman Sachs regarding their reprehensible behavior in this matter. 

Sincerely, XXXX
Product: Credit card

Hard unauthorized inquiries are on my credit report. I had tried several times to talk to someone at XXXX to remove these two inquiries but has not yet received a response. the two inquiries are XXXX XXXX XXXX XXXXXX/XX/year> and XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5400.00}
Product: Debt collection

Fleetcor provided TOS that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XXXX FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case XXXX. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company Fleetcor nothing ever arrive. I am party in the lawsuit being a client the company Fleetcor has sent this account collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Cash app took over {$4000.00} from my account and never returned it and I have proof. I would like all my funds that was reported returned.
Product: Consumer Loan

Ref : Car Ref This is the XXXX 4 times bank of America refused to give me credit ; I Had been trying to reestablished an account with Bank of America and it has keep denying me for either credit cards or bank loan.. I had apply with other loan and card companies and got approved .. I do not understand why bank of America is discriminating me since my property foreclose was canceled by the court. Bank of America is refusing or helping me to reestablished my credit that I already had. I hold other account with max credit of {$6000.00} in good standing and my credit score is XXXX approx. But i do not understand why bank of America is refusing to give credit. I feel discriminated by Bank of America. Please Help
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this