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

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Dear Experian, I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$2400.00} XXXX dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX 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 TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.
Product: Mortgage

I used to have a Wells Fargo home mortgage that account was closed in XXXX and sold to a different company I no longer have that account. But after reviewing my credit report that account have been reporting active to the 3 credit bureaus every month since the start of XXXX, I contact Wells Fargo about the issues and to remove the account on my credit I was told they can't help because I no longer have that account with them. Remarks are being added to the account by Wells Fargo dropping my scores by XXXX points every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I had a AARP VISA CHASE credit card. I received a letter letting me know that the Chase AARP credit card was going to be closed and XXXX was taking over the AARP credit card as a Master card but I could opt out. I DID ask to opt out and called the number they gave me to opt out. 

I recently received a refund for a purchase at XXXX XXXX for {$1800.00} which went back on my AARP VISA CHASE credit card which is now closed. 

I called Chase to ask how this would be resolved since that card was closed. Where would my refund go? They told me that they no longer have my account information and that had all migrated to XXXX ( even though I asked to opt out ). I spoke to XXXX XXXX, Chase Account Supervisor, XXXX. I was told that there was nothing she could do and to contact XXXX. 

Ive tried to contact XXXX but XXXX cant get a person on the phone. Its on automated hold until the calls just drop off. They are based out of the XXXX and dont have any local branches. 

I never gave Chase permission to give my information to XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Citizens opened an account and sent a debit card and checkbooks without my authorization. 
- I had a checking account and savings account from XXXX Bank. Sometime in XXXX, XXXX announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. 
- I closed both my checking and savings account with XXXX on XX/XX/XXXX. 
- The XXXX representatives have told me several times that my accounts are closed, and that my accounts are not transferred to Citizens bank - Yet, I received a credit card and a debit card from Citizensbank by mail in XX/XX/XXXX. Citizens noted in its mails to me that I can communicate with them only after certain dates in XX/XX/XXXX.
Product: Credit card or prepaid card

I had earned points on a credit card and when I closed account, the representative said they would transfer the points. The points were never transferred and when I spoke to representative they said request was denied as once points have been removed there they will not be given back. They also said that I can not speak to the team who denied the request and that I can call back to speak to general customer service which would be pointless. The amount of points is large as it is approximately {$1800.00} in terms of dollars when converted.
Product: Debt collection

National Business Factor has a collection submitted from XXXX XXXX XXXX XXXX. I have paid all bills with XXXX XXXX. On XX/XX/20 I confirmed with XXXX at the XXXX XXXX Financial office that I have paid all bills with XXXX XXXX. National Business keeps increasing the amount owed every two weeks which is harassment over erroneous collection.
Product: Debt collection

I reviewed my credit report and saw this charge for XXXX XXXX hospital, I have never ever used there services. I dont even own any pets this is a fraudulent charge under my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohl 's credit card. When I called and paid the credit card. Kohl 's repeated turning me into the credit bureau twice after payments were made. After I leave here I am driving to Kohl 's department store and paying the card completely off. I paid the card over the phone and the report still says I owe {$83.00} dollars. I am taking a {$100.00} dollar bill to Kohl 's and then I will owe nothing. Inaccurate reporting. I tried to dispute this with Kohl 's and No solution.
Product: Debt collection

I have had numerous calls from a debt collector claiming their attempting to collect a debt. I ask them for proper documentation of this debt. They just say for XXXX XXXX. I never received any documents other than an email demanding I pay them. They gave me a reference number in that email but there was nothing explaining why they think I owe them.. I responded back asking them to again provide proof or any information that they might have. They have no solid proof or real reason as to why I owe them. Jefferson Capital did not provide validation of debt they claim I owe. I asked for debt verification and they simply provided an amount owed and payment plans. NO form of verification. They are simply hurting my credit score and harassing me at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I am concerned that my personal information XXXX have been compromised, leading to unauthorized access to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I call XXXX XXXX and Experian They notice that I have a SECURITY FREEZE on my file as of XX/XX/ 2018. 

There is a PIN number provided when you open a security freeze that has to be given in order to lift the security freeze. 

XXXX Experian and XXXX Isn't asking for my PIN number anymore. Stating they don't have too. 
Allowing access to everyone! 

Please note : I had a friend call while in front of me and my PERSONAL INFORMATION was given to that person!
Product: Mortgage

We have been struggling with Caliber Home Loans since XXXX XXXX to correcting errors in our account. Prior to XXXX XXXX, XXXX our loan servicer was XXXX. They made numerous mistakes during the period of XXXX XXXX to XXXX XXXX, XXXX. During this time period we were not only current but paid through XXXX with {$500.00} in our account for XXXX 's payment. Caliber told us that our account was behind. It took quite awhile for Caliber to research it and then we were told that XXXX had made some mistakes. We struggled with XXXX to get our records to pinpoint where the problem was located in our account. 
XXXX repeatedly told us that we needed to work with Caliber because they were the servicer. In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, Caliber Home Loans, she states : " Furthermore your allegations are regarding the previous servicer and not Caliber. Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' The previous servicer ( XXXX ) is refusing to address the issue. Today I spoke with XXXX XXXX at XXXX and she informed me that they had an agreement with you to resolve any issues or complaints or misappropriation of our funds. So I spoke with XXXX ( XXXX ) at Caliber who immediately realized that the problem needed to be addressed by a manager. After waiting for quite some time XXXX ( XXXX ) took my call. She was not especially helpful. She said there is an open complaint and it would take an additional 30 days to " research ''. I let her know that this is unacceptable because we have been waiting for a response since XXXX XXXX that will resolve our issues. She balked at sending us copies of our monthly statements and financial payment history. I requested the records because Caliber has assessed fees and late charges that she says do not exist but I see them on the copies of the statements that I have. She also refused to do a follow up phone call or email to keep us updated on how the research is progressing. She said that Caliber is unable to speak by phone between the research department and customer service. Customer service is also not allowed to phone customers or email them. This does n't seem like customer service to me. XXXX is telling us that we have a single point of contact at Caliber when this XXXX XXXX has never spoken to us nor returned our calls.
Product: Credit card or prepaid card

I went over my limit months ago, my monthly payment since going over my limit has been XXXX something dollars every month since. Until my XXXX billing statement. My minimum monthly payment went from XXXX something dollars to over XXXX something dollars, which almost double my monthly payment. For the XXXX billing month I continue to pay my XXXX something dollars monthly payment, and since I didn't pay the XXXX something payment, the charged me a late fee. I called and asked why was I being charged a late fee, I was told as long as if I continue to pay my previous minimum payment and not the increase monthly payment of over a XXXX dollars I will be charge a late fee
Product: Checking or savings account

I am disputing XXXX transactions due to transaction errors trying to withdraw from ATM machines however I never was dispersed the money but my account was taking away from my whole dollar amount without me receiving the funds from the machine the bank has me on some fraud program that messed up my whole account where my card was declined at some points and was accepted at others and then I would have to call and say that was me trying to get the money and they wouldn't make me do it for the last XXXX transactions and now when they authorize all those I was no longer at the ATM machines it says it was authorized one day and then posted another business day. I use the same ATM machines and the one time that I did get the money it was posted and authorized on the same day. Please see attached.
Product: Credit card or prepaid card

The company limits support to chat and has turned off customer service phone lines. They will not provide elaborated or specific information regarding requests Ive made. Often they do not answer the question Ive asked at all. I am unable to escalate the issues or receive any additional following when requested. The treatment by the employees is discriminatory and targeted because of how I chat and how quickly I respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained copies of my consumer report and you are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully furnishing hard inquiry data on my XXXX XXXX consumer report without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with Navy FCU. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with Navy FCU for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain about the failure of Experian to properly investigate my recent requests to correct issues on my credit report. Despite submitting both factual disputes and Metro 2 compliance disputes regarding inaccurate reporting, I have only received generic letters from your agency stating that the information has been verified as accurate. This response is inadequate and does not address the specific inaccuracies I have identified.

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

According to 15 USC 1681 ( 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 1 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 ( it ) the information is, in fact, inaccurate.

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

Someone needs to hold them accountable for this.
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.
Product: Checking or savings account

Not a duplicate compliant. The issue is not resolved. 

XXXX XXXX The company failed to actually resolve my disputes. I have a new one that has proof from a government official but PNC refuses to process my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



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

Paid debt through XXXX XXXX. Was told one payment was paid that this would be removed from credit. It has been well over 6 months since Ive paid this account off. Also, it been well over 7 years that this account has been reporting. 10 years to exact. Remove!!