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

CITIXXXX XXXXXXXX XXXX XXXX XXXX JCPENNYXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Credit reporting

I wrote to Experian in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Experian and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX of Pennsylvania Bankruptcy Court supporting my position. I asked Experian to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it. They sent me the attached letter stating that they would not investigate my dispute any more unless I sent them proper documentation. I sent them the proper documentation from the BANKRUPTCY COURT!!!!!! That is all the documentation that I need!!!!!! Experian has inaccurate and incorrect information on my credit report that I want REMOVED IMMEDIATELY under the FCRA is information can not be verified or is inaccurate, it MUST be deleted from said credit report.
Product: Money transfer, virtual currency, or money service

Sender Name : XXXX XXXX Business name : XXXX XXXX XXXX Bank : Bank XXXX XXXX Account number : XXXX Email used for XXXX : XXXX. 

Receiver Name : XXXX XXXX  Bank : XXXX Account number : XXXX Phone number used for XXXX : XXXX Transaction number : XXXX Amount : {$5000.00} Issue : Reversed transaction was taken out from the receivers account but not deposited to the senders account. 

On XX/XX/XXXX XXXX XXXX sent {$5000.00} to XXXX XXXX through Bank XXXX XXXX XXXX using their XXXX quick pay service. XXXX XXXX received the money right away. However, after receiving the money, we decided to reverse the transaction, so XXXX XXXX called Chase bank and ask them to reverse the transaction. Chase bank took the money out from XXXX XXXX account and said they reversed the transaction, and that it will be deposited within 6 days. Its been almost 40 days the money is not in XXXX XXXX account. 
We contacted chase bank and they keep telling us they sent the money to bank XXXX XXXX. We opened a claim, and they closed the claim saying they already sent the money to bank XXXX XXXX. Each customer services representative we call give us different information. We even went to their local office and did not get any help whatsoever. Every time we call chase, they give us the run around and they try to push the responsibility to Bank XXXX XXXX. Bank XXXX XXXX also keep telling us they never received the reversed transaction and closed the claim we opened with them. 

*Please find attached XXXX XXXX bank statement from bank XXXX XXXX and XXXX XXXX bank statement from XXXX as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THESE ACCOUNTS God Bless ... these accounts ( 1 ) XXXX  Account # XXXX ( 2 ) XXXX XXXX XXXXN Account # XXXX Have been Reinvestigated 4 times an they still are inaccurate. according to the law 15 U.S CODE 1681i ( Procedure in case of disputed accuracy ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation 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. DO NOT REINVESTIGATE PLEASE DELETE THESE ACCOUNTS ACCORDING TO LAW.
Product: Mortgage

I submitted information on XXXX XXXX 's website. We were looking for a refinance with cash out to do home improvement work. Quicken Loan 's contacted us. After a conversation with XXXX XXXX XXXX, a Senior Power Banker there, I told her we were not interested as their fees were much higher than we had been quoted else where. We have since received XXXX sets of documents for them as if we are proceeding with the loan. I feel this is very predatory in nature.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX - XX/XX/XXXX - {$280.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Alliance debt collection contacted family members indicating an " emergency '' involving my whereabouts, frightened my family after leaving XXXX ( XXXX ) message on my cell phone within XXXX minutes. The voice message left on my phone threatened to take legal action against me, despite the fact I am working with the company to repay a personal payday loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan has already XXXX me out of 1.5 yrs of qualifying PSLF payments as a result of sending out a 'billing statement ' during my bankruptcy stay and after. There is another missing payment on all eligible loans for XX/XX/2019 where there should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times to have unauthorized inquiries removed from my credit report. 
During this time an account that was tied to the following inquiries was removed : XXXX XX/XX/XXXX XXXX. XX/XX/XXXX But to date the inquiries have not been removed. I have submitted two separate FTC reports reporting them as fraudlent and yet they still remain. On one ocassions I was told the format I used was inaccurate which is why it wasn't removed. On another occasion I was told that the creditor were bunched together instead of each having a sepeate line item for themselves. 
I latest attempt was XX/XX/XXXX where someone asked for supporting documents that I have sent and I gave her those documents and she stated the previous inquiries would be removed plus the inquiries : XXXX XX/XX/XXXX She gave me a confirmation number # XXXX and the next day the following inquiry was removed : XXXX XX/XX/XXXX It was the only one removed form the report of the 4 inquiries. 

Today XX/XX/XXXX I called to question the other inquiries remaining and was told that they have no supporting documents and that all documents are erased after 90 days!!! 

I was told once again for the third time in the last year to submit documents I have on two other occasions to be told that they were incorrect when they are FTC documents.
Product: Credit reporting or other personal consumer reports

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, a legal order was put on my account taking all of my assets of {$2500.00}. I understand this part is legal. But the amount taken was above the garnish wage laws of 25 %. It has also come to my understanding that military pay isn't to be removed under such legal orders. I have contacted the bank several times to only get told to talk to the requester, who tells me it's all to do with the bank. That the bank is the one who determines if the wages are garnishable and the amount. This has left me with no income for almost an entire month and barely paying my bills.
Product: Debt collection

On XX/XX/2023 I talked with XXXX XXXX XXXX and offered to settle a debt. They brought up all the other debts I owe, including to XXXX  and other credit cards, which I feel like should be privileged information. When I did not want to pay the amount that they wanted they said they were going to turn this over to legal, and pursue a lawsuit, I then told them it was illegal, and they denied threatening to sue, they also threatened to report it to my credit report.
Product: Credit reporting or other personal consumer reports

Failing to update and keep accurate information, as required. Failing to freeze my credit score and provide me safety from identity fraud, failed to provide me a timely response and remedy.
Product: Checking or savings account

I had set up my paypal account with my XXXX XXXX as my preferred payment for any and everything I use pay pal for well i paid my monthly payment i didnt want a line of credit i just wanted a secure place to make payments to services. Well paypal took it upon themselves and tried to take {$.00} and {$4.00} out of my checking which was to have been thru my XXXX XXXX. They kept processing it and causing payments to my bills to bounce and racked up over {$500.00} of nsf fees and returned check fees. My bank closed my account but its still owed because paypal will not bill XXXX for services. I had contacted them twice before and so I used my moms secured checking to make again a monthly payment to XXXX XXXX which I didnt want that credit service. So this time for {$4.00} for XXXX XXXX which XXXX canceled and refunded the funds for the error and {$3.00} to be billed to my XXXX for XXXX. They didnt they used my moms secure checking funds of social security to cause {$85.00} once and {$85.00} again to be charged nsf fees. I sorted it all out with XXXX  but paypal refuses to refund the money they took out causing bounced checks and nsf fees for both me and my Moms account but then took out the {$3.00} and {$4.00} out of my XXXX XXXX. Seriously sad for {$.00} they screwed my bank account over.
Product: Debt collection

In XXXX  I received my first communication from this company about a debt they took over with no acct details or any breakdown of accounting for how they came to the total owed. Just XXXX piece of paper with a total amount nearly 5 years after the fact. I would like how they came up with this number and my original documents showing this debt owed. Then I can work towards a solution to this situation.
Product: Credit card

I have the Lowes credit card and made purchases which I have been paying every month for the past year or so, Today I received an email from Synchrony Bank Lowes Store Card- Upon checking my balance as I normally would I noticed that there is a balance of {$15000.00} added to my account, I have not made any purchases on my account because I want to pay this card off, I Immediately went and call Lowes at XXXX, Upon getting connected to a live agent I'm asking her as to why I see that the card balance went from {$9900.00} up tp {$15000.00} if the last payment that was made on XXXX XXXX in the amount of {$240.00}. The representative stated that there were an interest added to my account in the amount of {$5200.00} I asked why this amount that is not correct because I have not made no recent purchases in the past year o so, she " stated " Well you recently purchase Wood Fence '' I said to her I have not purchase wood fence and that I had paid Interest in the items that I purchased. She stated she will transferred me to an account manager : A lady by the name of XXXX stated that she apologized if the sales rep did not advise me of a {$5200.00} Interest & said to her that the rep did not advised me of this added on amount. This situation is taking a toll on my and has me very XXXX  and sad, There is no way I'll be able to pay this- I have XXXX children with an XXXX  son that need to provide and tent to his needs. I need help.
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. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - BALANCE {$110.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - BALANCE $ XXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I tried to assess my credit report through experian and XXXX XXXX and I can not gain excess due to someone else using my credit and changing my information. My credit report would not even give me a score at all.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the law.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding my discovery of derogatory marks on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I believe these derogatory marks stem from that traumatic experience. 

As a survivor of XXXX XXXX I have faced immense challenges in rebuilding my life and reclaiming my financial stability. Unfortunately, these derogatory marks on my credit report serve as a constant reminder of the abuse and exploitation I endured. 

I kindly request your assistance in blocking these derogatory marks from my credit report. I am working diligently to overcome the repercussions of my past experiences and rebuild my creditworthiness. However, these marks only serve to hinder my progress and perpetuate the cycle of trauma and it has. 

Kohl 's Charge Card has not only made it difficult to get information from them but to give them information as well. I still remain clueless as to where I would send documents because I have been instructed not to do so through the email in which I have corresponded with them a few times on. But this investigation has gone on for so many months now and it still remains on my credit report and I have done nothing but be very transparent and willing to give them information. They're just running from cause they don't want the truth or anything that's going to benefit my situation it seems. 

I understand the importance of accurate reporting and the integrity of credit information. However, in cases of extreme circumstances such as XXXX XXXX  I believe there is a moral obligation to provide support and assistance to survivors. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me at XXXX or email XXXX if you require any further information. 

Thank you for your understanding and support. 

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

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

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, credit repair services, or other personal consumer reports

In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted XXXX XXXX and experian. Nothing has been done. A lawsuit is next
Product: Checking or savings account

On XX/XX/2024 we were contacted by one of our automatic payment creditors who informed us that our payment wasn't received. We contacted the bank on XX/XX/2024 to see what the problem was. Supposedly the account is locked on XX/XX/2024 for a fraud investigation but the bank never contacted us to tell us that. We were told that we would be contacted within XXXX business days of the lock being put on. Since that time, we have contacted the bank several times but can not get any information other than it is under investigation. The bank 's Fraud Department has refused to call us back to tell us what is happening or what the status of the investigation is despite numerous requests. 

We have had no access to our accounts since XX/XX/2024 ( and probably earlier ) and there has been no contact from the bank at all. At this point we are wondering if something nefarious is going on at the bank or if it is just general incompetence. My next step is to contact the Maryland Attorney General, Office of the Comptroller of the Currency and the FBI to request an investigation into M & T Bank to make sure that there is nothing illegal going on. As it stands now they have endangered our credit rating and they seem to have no regard for our financial situation. We don't have a large amount of money in the bank but being retired it is difficult to cover all our bills without access to our money. 

Anything you could do to help with this situation would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to notify you that I have been a victim of fraudulent activity. In my efforts to remove the fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission or https : //www.ftc.gov to file an identity theft report. Per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries that have been posted to my report. Here is the list of items that were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the inquiries in my file that resulted from an alleged identity theft but I have ITEMS left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. And this is my 3rd complaint that I am a victim of identity theft and I submit to dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this items in my credit file that resulted from an alleged identity theft. Below were the items that needed to be removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.