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

I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( XXXX, Experian and XXXX ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of Non-Compliance and Intent to Initiate Legal Action I am writing to provide formal notice of non-compliance with the Fair Credit Reporting Act ( FCRA ) by your credit reporting agency. This letter is to inform you that several inaccuracies on my credit report, involving previously resolved and deleted accounts which have been unauthorizedly reinserted, have not been corrected despite prior disputes and communications. This notice also references an active Federal Trade Commission ( FTC ) report pertaining to these matters. 

Wrong Address : XXXX XXXX XXXX XXXX XXXXXXXX Co XXXX Detailed Account Information : Previously Deleted and Unauthorizedly Reinserted Accounts : XXXX XXXXXXXX Account Ending in XXXX XXXXl XXXX Account Ending in XXXX ( Note : This account is listed twice, indicating a potential error in reporting. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX  Account Ending in XXXX Incorrect Collection Account : XXXX XXXX  Reported Amount : {$1500.00} Discrepancy : This collection account is inaccurately associated with my financial records. 
Actions Required : Immediate Removal of Reinserted Accounts : As these entries were previously investigated and determined to be inaccurately reported resulting in their removal, their reinsertion violates the FCRAs provisions concerning the accuracy and integrity of credit reporting. 
Correction of Erroneous Collection Entry : The collection account reported under XXXX XXXX does not pertain to any of my financial activities and must be removed immediately to reflect accurate credit information. 
I am prepared to take legal action if these issues are not resolved within the stipulated XXXX period as mandated by the FCRA for dispute resolution. Please consider this letter a final notice before I pursue further legal remedies, including seeking statutory and punitive damages for non-compliance. 

I request written confirmation of the receipt of this notice and detailed documentation of the steps your agency will take to rectify these errors. Immediate attention to these matters is crucial and highly anticipated.
Product: Credit reporting

Their is an eviction coming up on my record that is preventing me from renting an apartment. This eviction was from  XXXX  and it was ordered by  a Judge t o be dismissed and the files to be sealed on  XXXX   XXXX ,  XXXX . This eviction is still coming up on my record and I am homeless with my kids because no one will take the legal documents that I have regarding this case. In order for me to rent an apartment.
Product: Debt collection

XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with Discover Bank. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do travel XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware Discover Bank has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and Discover Bank for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a travel nurse out of state if this case is not dismissed.
Product: Credit reporting

Trans Union refused to delete an erroneous item from my credit report even though the public court documents show that the case was disposed. XXXX & XXXX deleted the error promptly. 
They have antiquated ways of receiving supporting documents ( mail and fax only as supposed to online upload ) and their customer service is horrendous. 
Make sure you do not have anything planned on the day you call them : ). It 's going to take forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from the Dept. of Education on XX/XX/XXXX that my student loans were being discharges. In the email I was told that there was nothing I needed to do that the loans would eventually be removed from my credit report. Here it is now XX/XX/XXXX and that has yet to happen. I have called my servicer multiple times and get no where. They transfer me from person person, leave me on hold and it seems that no one cares to look into why the loans are still being reported. I do have a copy of the email and even received a refund check in the mail from dept. of edu.
Product: Credit reporting, credit repair services, 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 Account XXXX Account Name : XXXX Account Number : 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
Product: Checking or savings account

I hope this letter will educate that its past the time for scripts in business. been with wells fargo many years this checking account originally had no charge for blue plain checks al i want and i have to fight to get it i keep getting scripted to death. i want the checks free like it was with world savings and was a perk to the crown as i am grandfatheed in with my account ending in XXXX not only do i owe money to mortgage right now but would not pay regardless. i want the checks free please. one order without a scrpts no throwing things in my face. do the right thing. i cant take the scripts or the stress. one check order free please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 and XX/XX/21 dispute results from XXXX  both show they did not take the proper steps to delete the creditor from my credit report. 
I requested XXXX XXXX, acct # XXXX for validation of the debt and they did not furnish me with anything just updated it as charged off. They did not mark " notice of dispute '' by consumer within the 30 days. FCRA, Section 623 ( a ) ( 3 ) and Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Trans Union, I am writing to dispute the following information that XXXX XXXX XXXX only shows up in the collections of your company. I have asked for a validation of the original documents, dates and the amount. I was never sent a validation letter. I sent the notice in XXXX and still have not received anything. 
This item XXXX XXXX XXXX is inaccurate [ or incomplete ] because this is not my account I am requesting that XXXX XXXX XXXX have the item removed [ or request another specific change to correct the information. ] Please reinvestigate this matter and contact the XXXX XXXX XXXX to have them delete [ or correct ] the disputed item ( s ) as soon as possible.Or have the item deleted immediately
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I am interested in filing to dispute all inaccuracies on my credit report with Transunion.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report, and a prior Validation of Debt letter.
Product: Debt collection

I took out a loan with ascend loans in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make two payments. The last payment I made was Thursday XXXX. I checked my finances yesterday and I saw I didnt have enough funds due to an increase of expenses so I reached out to account resolutions and asked to remove my payment plan which was done. And I explained my situation. On Friday XXXX I got a missed call from ascend loans and on today Sunday XXXX I got an email. I got an email from ascend loans asking if I believe in second chances. The email said ascend loans is now seriously overdue and may now include late fees and returned items. I am going through hard times and the email came off threatening to me. I do plan on going on a payment plan. But I need time to get back on track financially I want to be able to have enough funds to avoid an overdraft. I had spent the holidays during thanksgiving with a negative balance. And that was not a pleasant experience. And I dont ever want to go through that again.
Product: Credit card

In XX/XX/2023 I was NOT told I could not re open my credit builder card from Chime. I was told you may not be able to re open it thinking I would be able to re open it later.

Chime refused to help me open it. I was not legally told I couldnt re open it. If I would have known I wouldnt have closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LOST MY IDENTITY AND I PILLED MY REPORT. THERE ARE NUMEROUS ACCOUNT THAT SEEMS TO BE INCORRECT ON MY REPORT. I SENT A DISPUTE LETTER ON THE XX/XX/2021 ABOUT THOSE ACCOUNTS THAT APPEAR TO BE INNACURATE ON MY REPORT. I REACHED OUT TO THE CREDITOR AND THE NEVER RESPONDED TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Reference number : XXXX Date Filed : XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00}
Product: Credit card

It's hard to have the dates because dillards ( via Wells Fargo ) closed my account and opened a new one in my name, and I have lost access to all previous records. 

Around XX/XX/23 someone used my card/SSN t make a purchase at a physical Dillards store in XXXX, CA. I do not live in CA< nor have I ever been to a Dillard 's store in CA. I filed a dispute a few days later. I received temporary credit, but then was reversed when my claim was denied.

I called to complain, they re-opened the claim but said I had to pay a {$29.00} late fee and {$13.00} ( and running ) in interest. They sent me forms to dispute their denial, but are still denying my claim. I do not know what to do at this point, and they are about to ruin my credit. I had to file BK 7 years ago, and have had a perfect credit history since, and it is all about to get ruined. Every single time I call, they do nothing at all to help me, and will not even let me speak to anyone in charge, They said it was denied ( at first, at least ), because the rep who took my original claim, for some reason, included another charge from dillards.com ( which was a legitimate charge ). They will not stop talking about the charge I always ( and still ) acknowledge as legitimate, so I am getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has another person 's information on my credit report including another persons SSN. 

When I tried to get electricity set up at my new home, the electric company sent me a copy of the report from the soft credit check that showed no records found for my SSN. 

So now according to Experian, my SSN does not exist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I noticed some inaccuracies in the copy of my credit report. This is not a credit transaction and should not be reported on my credit report. Also what is being reported are in accurate. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal financial data was breached and an untimely notification was given to me ( it had been exposed for several months ) by Equifax. I am now at greater risk of identity theft / fraud as a result of negligence on Equifax 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax consistently fails to update my credit card balances in a timely fashion in comparison to XXXX and XXXX therefore always the lowest score is the Equifax not fair
Product: Money transfer, virtual currency, or money service

My Paypal account is limited. I have get a chance to transfer the money from my Paypal yet.
Product: Debt collection

The Commercial Acceptance Company contacted me on XX/XX/20 at XXXX from ( XXXX ) XXXX regarding a debt I owe to XXXX XXXX XXXX XXXX . They stated my amount of debt and that they would be able to stretch payments 12 months and that they payment each month would be XXXX dollars and some odd cents. I can not afford this amount and so I told the woman on the phone that i had been paying a debt collection agency {$20.00} a month but in around XXXX those payments stopped coming out of my account. She then asked how close i could get to paying the XXXX dollars a month and i said the {$20.00} was working for me and the best i could do. She then asked if i could do {$50.00} and i said no. She then stated she has to report me as a refusal to pay. I said okay and i hung up the phone, but i cant understand how i can be reported as a refusal to pay when i wasnt refusing to pay. I can't afford paying almost {$400.00} a month in health insurance and another {$150.00} a month on top of that to a debt collection agency.
Product: Credit card

I filed a trip cancelation claim with Chase Sapphire Reserve benefit department on XX/XX/XXXX. 
I filed complaints with CFPB & XXXX because the benefit department lied and falsely denied my claim. 
The benefit dept says I am ineligible for refund of the canceled flight because the airline booked my final return flight for me. This is not only not true, it is false and a lie. I have sent them all the documents and proof to show I paid for original and return flight on my own with my credit card. 
My claim no with consumer financial protection bureau is XXXX I have attached documents that would show the original round trip booked on XXXX XXXX with my Chase sapphire reserve card. 
& XX/XX/XXXX statement of my Chase sapphire reserve credit card that would show {$88.00} I paid on XX/XX/XXXX with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 a company with the name of CREDIT PLUS has made a hard inquiry on my credit report/file. 

I do not know who this company is nor have I authorized them particularly to make an inquiry nor have I applied for any credit regarding this firm.
Product: Credit reporting or other personal consumer reports

In accordance with 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 Acct # XXXX and Acct # XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. I got notified of a collection account from Transunion about a debt collection from a company called XXXX XXXX. I do not recognize the company or have ever done business with the company. no debt validation letter was mailed to me or any details of how I got a loan through them. A debt validation letter was requested and none was ever sent and for this reasons I have the right to sue the bureaus for furnishing my account with unverified information which is affecting my credit and preventing me from certain benefits that require credits. I request the bureaus take out this information on my credit score or provide me with the neccessary information that they have that suggest I have done business with XXXX XXXX and the collection account is mine starting from sending me a debt validation letter if they fail to provide this then they must remove the collection account from XXXX XXXX
Product: Checking or savings account

I wrote a check out of my business account on XX/XX/XXXX for the amount of {$6400.00} dls to the United States Treasury, check # XXXX. This check was mailed as a prepayment for my taxes. I always check my statements, and I did see the check number and the amount being deducted from my account a few days later. 

In XX/XX/XXXX as I was preparing to do my XXXX taxes my CPA asked me for a copy of the check I sent as payment. At that point I went onlint to download the image of the check and realized the Payee had been altered and the check had been cashed by XXXX named " XXXX XX/XX/XXXXXXXX '' or something like that, is not very legible. 

I immediately reported the event to the bank, it was clear both the payee and even my signature had been altered. They opened a complain, I wrote an affidavit with the personal banker, gave copies of the check and I left. I get a letter dated XX/XX/XXXX saying my case was closed because of lack of affidavit, so I called on the bank on XX/XX/XXXX and they tell me they have in fact received the information and they are looking into it. 

Finally, after not hearing anything from the bank for almost a month since my original claim I go to the bank on XX/XX/XXXX and the personal banker calls the claim department just to let me know that my claim was denied because it had passed 35 days since the check and I should've check my statement. I made it clear I DID check my statment I just didn't see a copy of the image of the check and they proceeded to just deny my claim and walk away with this fraud.