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

Experian is unable to provide a process by which I am able to submit documents online to correct my first and last name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved. 
1. The experian.com/upload option does not work. The webpage has no elements to interact with as shown in the screenshot. 
2. My credit grantors have my updated first and last name. My active credit cards are in my correct name as well.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX & XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit card or prepaid card

I have two XXXX XXXXXXXX XXXX  card with Bank of America, which entitles me {$30.00} rewards per card per quarter, and I have been getting these rewards for many years by almost the same spending behavior to meet the rewards requirements. I even got the rewards for the 2nd Quarter 2020, which was deposited into my BoA checking account on XXXX XXXX. 

However, I did not get them for the 3rd quarter this year. I contacted BoA through their credit card customer service on XXXX XX/XX/2020. I explained the issue to the customer service representative, pointed out to her the BankAmericard XXXX XXXX XXXX Program Rules ( which I would include as attachment ). The download link for this document is [ https : //www.managerewardsonline.bankofamerica.com/cms/published/root/dcb/PDF/BAC_BetterBalance_AboutCredit_121912.pdf ], and the guarding text to support my complaint is on Page 1, right panel of the " Basic terms and definitions '' section and " How do I earn Quarterly Rewards '' section. 

I was told by that customer service representative that her supervisor would call me within 48 hours, however I have not got any call from Bank of America
Product: Credit card or prepaid card

I got a new b of a card XX/XX/XXXX.  I have been trying to make a payment that was additional to my automatic payment.  after 3 days on hold and several transfers, I am hold for a supervisor , I think rep  just put the call mute.   Could find the information I provided XX/XX/XXXX  for the addiction payment. 31 minutes on hold.  I can't get this issue resolved.
Product: Credit reporting or other personal consumer reports

The credit bureaus deleted the account ( RENTRECOVERY SOLUTIONS, however it is still reporting on their websites. 
Also, XXXX XXXX XXXX
Product: Debt collection

I requested validation not verification but validation and received nothing from the company. I wanted a signed contract Open date closed date Proof that they have the right to collect this debt This was requested over a year ago they did not furnish me this information now they are calling me again and on my credit report is is showing open
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
OAG CHILD SU XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hello XXXX, XXXX XXXX and Experian keep sending me stall letters every time I send them dispute letters. I have sent about 5 dispute letters regarding inaccurate information. They either respond with stall letters or they send back investigation results stating accounts have been verified. They are not telling me how they have been verified. 
I need an investigation because I still see inaccurate dates, balance, incorrect and incomplete information on my report. They are not doing their due diligence in making sure everything is 100 % accurate. They are violating the FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I, XXXX XXXX, paid Portfolio Recovery in the amount of {$300.00} to pay off the amount owed for a collection. The account shows settled in full. The credit reports still shows as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 instruction
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR DELETION OF UNAUTHORIZED INQUIRY To Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I did not give you permission to access my credit profile, and you have no permissible purpose by law to contact third parties, such as credit reporting agencies, with my personal or financial information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, " A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT, '' the law CLEARLY STATES : " 1681b Permissible purpose of consumer reports ( b ) CONDITIONS OF USE 3. IN WRITING. A consumer reporting agency shall not furnish a consumer report : I. unless the consumer report is provided to the person who requested the report for use in connection with the extension of credit or the review or collection of an account under section 15 U.S.C. 1691 ( e ) ( 1 ) or 15 U.S.C. 1691 ( f ) ( 1 ) ; or II. in conjunction with a credit transaction that involves the application of the 15 U.S.C. 1691 ( a ) ( 1 ) prohibition regarding discrimination against any person who in good faith exercises any right under this chapter. '' As the " CONSUMER, '' I have not given you, the " CREDITOR, '' written instructions to furnish this " UNAUTHORIZED '' inquiry on my consumer report. 
I hereby DEMAND the immediate deletion of these unauthorized inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a bank account with pnc and I wanted to deposit money into XXXX XXXX  and it won't let me even when I have the funds for the deposit.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. The remarks bave been detrimental to my life and credit health
Product: Credit reporting or other personal consumer reports

The company continues to report the account as Charged Off every month. The account was charged off XXXX  and is not supposed to continue to report at Charged Off 5 years later.
Product: Credit reporting or other personal consumer reports

This problem has been going on for more than XXXX days and i am still suffering i did everything they ask. It was supposed to be removed in XXXX days hiw much more time do the need COMPLAINT ID XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
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. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a second year XXXX XXXX. I served my country and ran into tough times when my wife get laif off. As a XXXX XXXX ive been exposed to the beauty that is American law, mainly the constutution. In my opinion the second greatest document written behind the bible. I see a tragedy. The federal reserve system ( fractional illegal banking ) most Americans have no idea how our banking system works let alone the federal Reserve. It literally is the greatest ponzi scheme in history. Its completely unconstitutional and has created a disportion of wealth where the majority are slaves to banks. No where in our constitution does it state an independent banking system issuing these federal reserve notes that are now practical worthless has any authority, nor use our federal taxes as collateral against these loans. Then the big banks have devised perfect system that manipulate money and creates it out of thin air through credit. Its pathetic. Its made the rich richer and the poor poorer. Im going to stop my save the world speech and say this. XXXX followed tax law and im asking Equifax and XXXX   to follow suit and do what united state federal tax law tells one to do in the following situation. Im asking every single one of my creditors to follow the United States tax law with regards to debt. I want every single one of my creditors who wrote off my debt as a loss on their tax returns and recouped their money to remove that debt from XXXX  and XXXX. The Federal tax law states " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states. '' It makes sense and all my creditors didnt hide they wrote it off. I want these collection companies who have no legal claim to this debt that again has been written off removed from my credit report and in reality they themselves are commiting tax fraud by trying to collect on these debts that no longer belong to me off my credit report. This is the law. Its not enforced but it should be. Big banks have lawyers who know tax law and get their clients to pay little to no taxes. XXXX followed the law and removed these items from my ctedit report. Since its the law I expect XXXX and Equifax to do the same or they to are commiting fraud.
Product: Money transfer, virtual currency, or money service

I had done an ACH transfer of {$13000.00} USD from my XXXX  Checking Account to my XXXX XXXX  account ( XXXX ) on XXXX XX/XX/year> and I received an email saying that it would take a maximum of 3 days for the money to reach Wise. On XXXX XX/XX/year>, I tried checking my email to see if I had received any email confirmation that the amount has reached Wise, but did not see any concrete information. I then checked the app which says it would need more time for the money to reach Wise but I do have the option of cancelling the transfer now which would then have the money refunded to my bank account within XXXX days. Hence, I proceeded with the cancellation of the transfer request. Upon having the cancellation approved in the app, I did not receive any notification confirmation from Wise that the refund back to my bank account was to begin. This was concerning. 

Up to this point, on XXXX XX/XX/year>, there is still no signs of the refund being issued. I have contacted customer support multiple times for clear timelines and an investigation to be done on what happened to my funds that exited my bank account and are 'in transit ' to Wise . Yet, I continued to receive generic support to refer to details on their website which is unhelpful to my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I would like to place a formal complaint against XXXX, XXXX XXXX Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. XXXX is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX - XXXX XXXX Bankruptcy - XXXX # XXXX3. Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. The Privacy ACT OF 1974 should be the one and only thing that should get this fixed for me. Please help me get this violation removed from my credit report. It is unverifiable. It needs to be removed within 5 days. For the simple fact it never should have be on my report in the first place!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX
Product: Debt collection

I received a letter from Credit Control LLC for a debt and account with center point issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). 

This account is not mine and I have idea what this is. I was a victim of identity theft back in XX/XX/2014 but I am unsure if this account is from that issue. I want them at Credit Control LLC to close this right away please. I have sent Credit Control LLC a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

After review my credit reports I found a collections on my reports that is not mine. The collections is from IC Systems Inc and on my report it states that the original debt was from XXXX XXXX. I have never had a XXXX XXXX account. My mail box has been broken into several times over the last 5 years and this account is fraudulent. I have contacted the collections agency several times to have this account deleted from my credit reports and they have yet to rectify the situation. This is not my debt and I would like this account deleted from all three of my credit reports ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that my personal information has been compromised. As a result, fraudulent accounts and inquiries have been opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

This is not my debt. Please tell me why you think this is my account.
Product: Checking or savings account

Complaint Summary : I, XXXX XXXX, am filing a complaint against Citibank for their involvement in unauthorized XXXX debits totaling {$45000.00} from my Chase account. These transactions were made to a Citibank account associated with XXXX XXXX Credit Card payments without my consent, highlighting a significant security breach. 

Details of the Incident : XXXX XXXX XXXX XXXX Citibank : {$45000.00} Nature of Unauthorized Transactions : Payments to a Citibank credit card from my Chase account without my authorization. 
Date Range of Unauthorized Transactions : From XX/XX/XXXX to XX/XX/XXXX XXXX : The unauthorized transactions were identified during financial checks and were not flagged by Citibank despite the obvious discrepancies in account holder information. 

Questions to Address : How were payments authorized from an account that did not match the name on the Citibank credit card account? 
What are Citibanks procedures for verifying the legitimacy of XXXX debit requests, especially for significant amounts? 

Expected Resolution : XXXX. A full refund of the debited amount to my account. 
XXXX. A comprehensive review and strengthening of Citibanks fraud prevention mechanisms. 

Supporting Evidence : Detailed list of transactions showing the dates and amounts debited. 
Communication with financial institutions acknowledging the lack of authorization for these debits.
Product: Debt collection

Someone has been calling my phone and family members about a loan that was done on line that I did not do and I have never taking out a payday loan online for any circumstances.