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

I am writing to you with a matter of extreme urgency regarding fraudulent items that have appeared on my accounts with your company. It is imperative that immediate action be taken to rectify this situation, as the presence of these unauthorized charges poses a severe threat to my financial security and well-being. 

The consequences of these fraudulent activities are dire and extend far beyond financial losses. They have compromised my trust in your company 's ability to safeguard my personal information and protect against fraudulent transactions. Additionally, the prolonged presence of these unauthorized charges is disrupting my ability to manage my finances effectively and is eroding my confidence in your company 's commitment to customer satisfaction. 

Given the gravity of this situation, I am urgently requesting the following actions be taken : Immediate removal of all fraudulent items and unauthorized charges from my accounts.

Thorough investigation into the origin and nature of these fraudulent transactions to prevent recurrence and identify potential security vulnerabilities.

Provision of compensation for any financial losses incurred as a result of these fraudulent activities, including reimbursement for fees and penalties.

Assurance that robust security measures will be implemented to safeguard my accounts and prevent future incidents of fraud.

Regular updates on the progress of the investigation and resolution of this matter until it is satisfactorily resolved. 
I can not overstate the urgency of this request. Every moment that these fraudulent items remain on my accounts increases the risk of further financial harm and undermines my trust in your company. Therefore, I implore you to prioritize this matter and take immediate action to address it. I am asking for your assisstance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX  XXXX XXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I first sent validation of debt to the company and they sent me a generic letter stating that the debt was valid without any proof. 

Date XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Mi XXXX this is what was sent to them Credit Bureau : RE : To Whom It May Concern, On XX/XX/XXXX I disputed an account reported by Nordstrom in the file you maintain under my Social Security number. 
I was informed on [ XX/XX/XXXX ] that the [ Nordstrom was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
Please govern yourself accordingly. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company is reporting to three major credit bureaus that I owe money for a phone company that I have never been associated with. I want them to remove this collection from my credit reports and stop attempting to collect on something that I do not owe. I have not attempted to contact the company because they just want me to provide personal information so that they can pad their file with the information I provide them as if they already had it.
Product: Credit card

Genesis or Concora or whatever they call themselves this week. Can not access account online to pay bill or see statement. Website no longer exists. They stated I would receive a paper statement and one never arrived. A deceptive company. Charged a late fee after they closed website and I had no good contact information. Received a text message with a phone number but they have limited hours and are difficult to deal with on the phone. I thought it was a scam.
Product: Debt collection

XX/XX/2022 @ XXXX XXXX  I received a phone call from someone by the name of XXXX XXXX who stated she was calling on behalf a GC Services in an attempt to collect on a debt. I informed XXXX XXXX I did not have any business with her or her company and could not give any further information until I was able to confirm on whose account was she calling. XXXX XXXX repeatedly asked for me to share private personal information which included my address and last 4 of my SSI #, I informed XXXX XXXX I was not comfortable with sharing that private information with a complete stranger. XXXX XXXX continued to attempt to get me to give her my private information and once she felt at a dead ended she had her supervisor to take over the call. XXXX XXXX XXXX stated he was the supervisor of that department I asked him what department was that, he stated he would not provide that information until I confirmed who I was, he again asked for my private home address and my last 4 of my XXXX. XXXX XXXX then attempted to play word games by stating he was not able to confirm I was the XXXX XXXX who he was attempting to contact although he called on my private number which is in my private name and is a private number. Upon asking XXXX XXXX what company he was calling for because I had no business accounts with his company, he refused to provide me with the name of the company that assigned the alleged account to GC Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXXXXXX XXXX a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off one time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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. 15 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 consume
r!
Product: Credit card or prepaid card

This is regarding my XXXX XXXX XXXX card, which is managed by XXXX XXXX. On XX/XX/XXXX, I tried to make a purchase at XXXX using my card and the clerk told me that it was giving her a message " refer to card issuer '' The clerk told me that they normally get that if my card is expired. So, I checked to see at home if I had received a new card in the mail and did n't realize it -- I did n't receive a new card and furthermore these cards do n't have expiration dates. I made a call to the customer service on XX/XX/XXXX and spoke with a woman ( ca n't remember her name ). I advised her what the store clerk told me. She said that my account was suspended due to it being inactive for 11 months ( meaning that I did n't make any purchases ) I advised her that the last purchase I made was in XX/XX/XXXX, which she verified. So, I asked if the suspension could be lifted, because they obviously was  an error. She advised that the only way to do this is if I authorized them to pull my credit report? I did n't understand why this was necessary, but I reluctantly agreed because I do like using the card when I go to XXXX. She said I would receive a letter by mail within 7-10 business days. I never received a formal letter by mail -- what I did receive was a letter by email within 2 minutes after I ended the call with the customer care rep to my " secure message center '' inbox ( this I access from viewing my XXXX credit card account online ) The letter indicated that my request for reactivation is denied. After numerous calls to customer service with no resolutions ( could n't even get through to anyone ), I reached out to XXXX via XXXX. Two different individuals responded back to me advising that they would check into this issue and give me a call. It 's been at least a month or so now and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

They were very evasive about the interests when I was questioning them. 
The money within the account before I can even see though contract. The more I question them about the text or the interest rate the more evasive they became it was manipulating and misleading
Product: Credit reporting, credit repair services, 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 Names : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX  OH XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX ( Accounts has violated my rights. ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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.
Product: Credit card

On XX/XX/2021 I noticed a fraudulent charge on my online Amazon/Chase account. I immediately called Chase and notified them. I have a confirmation letter from them, sent XX/XX/2021, saying they would look into it and send me a new card. I have been fighting this charge since that date. I get billed every month and every month I send in an Identity Theft reply and ask them to remove the charge. This month they sent me a letter ( attached ) saying, and I quote, " You notified us that this transaction is valid. '' I have never notified them of anything except that the charge is invalid. I have a file on FTC and have notified all the credit reporting agencies. What can I do now.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have been trying to get a XXXX credit card. I keep getting a report that says they are unable to process the request because there is a lock on my Transunion account. I have contacted Transunion every time I think this is at least the XXXX time this has happened. They ask if I have checked the other credit bureaus ( which I have ) even though the report I get specifies Transunion. I have even recently gotten a new credit card through XXXX from XXXX XXXX. 
Today XX/XX/XXXX I called Transunion asked for a manager, explained the situation and was told to check with the other credit bureaus. I then confirmed Transunion, XXXX, XXXX, and XXXX ( XXXX ) show my account is not locked. But when I applied today I received ( Lift your credit freeze so you can apply again. We couldn't approve your application. Contact Transunion to lift the freeze, then you can come back to reapply. 
Contact Transunion XXXX to transunion.com Call ( XXXX ) XXXX ) If you can not help me please inform me where to go from here. Thank you
Product: Mortgage

I have being paying extra principal only payments and they have been being applied correctly. I have spoken to Huntington National Bank and have not received any return phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX & they told me I've never missed a payment, yet XXXX and Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Transunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. Please remove the late dates from this account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my consent.
Product: Student loan

I have been approved for borrowers defense to repayment. Per the XXXX  vs XXXX settlement ALL trade lines were to be removed as though they did not exist with a refund, refund also due with the missed deadline as well Servicer has failed to remove tradeline by XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ONCE AGAIN IS ALLOWING A TRADELINE REMAIN AFTER XXXX  XXXX RECEIVED DEED AND ALL XXXX TRADELINES ARE GONE. 

DELETE THIS AT ONCE OR BE SUED. SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes with XXXX reporting incorrect information regarding the XXXX XXXXXXXX account on consumer report. XXXX continues to say that the investigation results in a " verified '' account ; XXXX XXXX has sent me documentation which otherwise disproves this. First, XXXX XXXXXXXX and XXXX continue to report " COLLECTION '' on a monthly basis in the payment history. Second, it states that the account is in collection but still lists XXXX XXXX XXXXXXXX as the original creditor, but attached on this complaint, you will see that XXXX XXXX XXXXXXXX is using a third party collector in which I am to make payments. Having this incorrect information is FACTUALLY INCORRECT. Third : XXXX XXXX XXXXXXXX has sent correspondence ( attached ) to state that they would no longer contact me regarding this debt as it has been charged off ; but still have been contacting me. They further list a company by the name of XXXX to which I don't have any relationship as their third party collection agency, and who has not contacted me. Now, even though, through these disputes that I've done with XXXX, XXXX XXXX XXXXXXXX is contacting me and further sending me secure messages for me to obtain through their web. So, I've contacted the company to propose a settlement amount letter dated XX/XX/2022, ( attached ) to be rid of them and this scam of " BUY NOW PAY LATER ''. In this letter, I've asked them to contact me through US Mail ; not by email or telephone calls. Today, XX/XX/2022, is when I get this email for the secured message ( attached ). I feel that they are violation of debt collection practices, and FCRA reporting practices and would like this investigated further. Lastly, XXXX has my id verification ; so, I will not include it here for privacy.
Product: Mortgage

On XX/XX/XXXX I filed a claim with my insurance company a pine tree had fallen on my home. The total claim was {$33000.00} worth of damage. Insurance company cut a check to me and my mortgage company XXXX. Thinking we would get a check for the whole amount back from XXXX to start my repairs. XXXX required documents from each contractor to be submitted, W-9, contractors waiver of lien, each contractors quote signed by both me as the homeowner but the contractor as well and a copy of the adjusters quote. I turned everything in as required. I finally on XX/XX/21 my first check was cut to fix my roof portion made out to me and the contractor. Once the roof was completed I had to get inspection. Ok completed. Now trying to get more money from them after back and forth XX/XX/21 another check was cut for my fence repair again made out to me and my contractor. Ok done. Here I am again 3 months after my initial claim and still can't get the rest of the money to fix the repairs to my home or any excess. I can understand protecting their investment with the roof of the house but nothing else is mortgaged the remainder of the money needs to be returned to me. I can't even fix my home. We pay for insurance for a reason we shouldn't be held hostiage from our money to make the repairs needed.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my file, it has become apparent that the account under scrutiny is both incorrect and unverifiable. I am formally requesting TransUnion established procedure to address my specific needs regarding my file, personnel, insurance, and other pertinent information. It is imperative that this process be conducted in a manner that is fair and equitable to me, ensuring strict adherence to principles of confidentiality, accuracy, relevancy, and the proper utilization of such information in accordance with the law. 

I am specifically seeking a re-investigation of account XXXX XXXX XXXX, with a request for immediate updating. The reported balance of {$5800.00} presents multiple errors that have detrimental implications, encompassing inaccuracies in balance, payment history, and the date of the last payment. I urge XXXX to rectify these discrepancies promptly to uphold lawful accuracy. Alternatively, should accurate information not be available, I request the removal of the reported late payments in XX/XX/ ( 30 days late ) and XX/XX/ ( 60 days late ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau, 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 am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion.
Product: Checking or savings account

On XX/XX/2021 Wells Fargo cashed a {$420.00} check without the check being endorsed. They said the person used a mobile device to cash the check. Even Mobilly you Must show the Front and Back of the check. These Are Banking RULES and REGULATIONS which must be followed. 

Wells Fargo again thinks they are above the law. I filed with you because it states your government agencys main objective is to PROTECT customers from being XXXX by Financial ( Banking ) institutions. I will be consistent.with filing this complaint until the matter is resolved by returning my money. 

These are Banking Rules and Regulations which were grossly broken, cashing a check that was NOT ENDORSED. We all know this is ILLEGAL.