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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax deleted XXXX Accounts from my report : XXXX ( Unsecured Loan ) I NEVER disputed these items and would like to know why they were removed from my credit report.
Product: Debt collection

I have been disputing XXXX accounts with CMRE asking for Validation of these debts and have sent XXXX letters which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tied to such debt. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first. However should they not take immediate action and delete with the credit bureau. I will be seeking {$3500.00} in damages for : 1. ) Negligent Reporting 2. ) Violation of the Fair Debt Collection Practices Act. 
3. ) Violation of the Fair Credit Reporting Act This is effecting my credit negatively and has been humiliating and embarrassing. I have kept excellent records with all communication for the purpose of filing with the FTC office regarding all non-compliance of Federal laws. 
Before I sue them for violations and other damages I would like to see if this will let them know I take my bills and credit seriously. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about this error. I have XXXX accounts for the same creditor listed twice on my credit file. 
The account is listed as XXXX XXXX The first account is listed as paid in full ; second one charge off The amount are listed as the same the open dates are the same as well I have asked them to correct this matter. 
I also asked for them to provided the correct information. I asked to verify this is account belongs to me as well
Product: Debt collection

As a result of identity theft a XXXX account was opened in my name unauthorized. I reached out to the XXXX XXXX  company to get this matter resolved but had no luck. I provided them with all the information necessary to get this matter resolved and I had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Product: Credit card

On XX/XX/XXXX XXXX charges occurred on my Bank of America Credit card in South Carolina convenience stores and a XXXX supply store. 
Below are the charges and locations. 
XXXX charge : {$150.00} @ XXXX XXXX XXXX XXXX XXXX charge : {$81.00} @ XXXX XXXX XXXXXXXX convenience store XXXX charge : {$17.00} @ XXXX XXXX XXXXXXXX convenience store XXXX charge : {$11.00} @ XXXX  Supply store I have filed XXXX fraud claims. When I first became aware of the charges I filed a fraud claim with Bank of America and it was declined back in XXXX. I recently filed a fraud claim with XXXX and found out on XX/XX/XXXX that this claim was denied again. 

I would like to also mention that I had never used this credit card and I have never been to South Carolina. I also am a bald man and do not shop at XXXX  supply stores.
Product: Debt collection

I lived at XXXX  XXXX XXXX XXXX apartments XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and moved out because my vehicle was robbed in the parking lot, and I did not feel safe. On the lease was myself XXXX XXXX XXXX, my girlfriend XXXX XXXX, and roomate XXXX XXXX. The staff at the XXXX had all of our contact information to include phone numbers, emails, and forwarding address ( we all moved to another location together ) at XXXX XXXX XXXX XXXX, XXXX FL. I was ill and in was not able to XXXX the final clean out. My roomates were suposed to do a deep clean of apartment. We never heard anything from any representative from the XXXX, and then on XX/XX/XXXX XXXX stated that she had a debt collection that she just found on credit report. On XX/XX/XXXX I checked my XXXX XXXX, and it showed that 3 days ago my score was XXXX, and it dropped to XXXX. It said I had a collection from Sentry Credit INC. XXXX XXXX XXXX, XXXX XXXX phone XXXX ) XXXX for a XXXX XXXX XXXX ( collections ). I called Sentry and they said the debt was for {$1000.00} and it was from a cleaning fee, and carpet replacement. We only lived in apartment for 3 months. The XXXX never called, emailed, or sent mail to us to tell us we owed a cleaning fee or carpet fee. If so I would of disputed that amount. If they could show that the cleaning was not done I would of paid the debt. Instead at some [ oint they sent to a debt collector ( Sentry ), who never contacted me or informed me of the debt, but submitted it to the credit buroughs. When I spoke with them they stated they talked to XXXX on XXXX XX/XX/XXXX and she disputed the charges, but they have not heard from the XXXX yet. I am filing complaint that my credit score has drastically dropped which has a high impact on my life, and has made XXXX lose a new home loan. They never informed me of the debt, and never gave me a chance to clear the debt before reporting. By their own admission XXXX disputed the charges, and they have not heard back to conclude if dispute is valid, yet they still sent collections to the credit buroughs. I want this debt removed from collections, and my credit score restored.
Product: Credit card

I recently submitted ( XX/XX/2016 ) a complaint to CFPB re. the inordinate delay ( two months, twenty days ) that American Express took to post a charge of {$5400.00} to my account ( Complaint # XXXX ) The message of American Express ( XX/XX/2016 ), following my complaint to CFPB is wholly inadequate ( see attachment ). 

First, they do not even mention the CFPB at all, or reference Complaint # XXXX, stating as if their message were completely of their own volition, in an effort to " help us recognize and improve the quality of our work '' : " American Express would greatly appreciate your feedback. Our records indicate we recently assisted you with a billing inquiry. The amount of the billing inquiry was {$5400.00}. '' Actually, if they had thoroughly researched their records, they would find that the recent inquiry was actually the third, in regard to the {$5400.00} XXXX charge to which they refer, going back to my first inquiry, of early XXXX 2016 - over three months ago! 

The only difference between their non-response of early XXXX, and their immediate response of XXXX XXXX 2016, would seem to be my complaint to CFPB earlier that day. 

Thank XXXX for the CFPB! That an overbearing financial behemoth, such as American Express, would actually make at least the appearance of a genuine response, to a humble consumer such as myself, would seen to be a huge step in the right direction. 

I ca n't adequately explain the frustration of restating again and again to representative after representative, my grievance regarding the unconscionable delay of two months and twenty days, which American Express took to post my charge of {$5400.00}. 

And each time, the representative, after listening to my grievance, would ask : But the charge was valid, correct? As if the delay itself was not a valid grievance! The delay is the grievance in its entirety. 

As related in Complaint # XXXX, the delay allowed me to unwittingly exceed my credit limit by {$5000.00}. The validity or invalidity of the charge is irrelevant. 

I completed their Survey, which they claim to be " administered by an [ unnamed ] independent research company, '' gave a detailed account of my grievance, and submitted the complaint. Or rather tried to. A message indicated that there had been a technical problem. Complaint lost. How convenient for them. 

I see now that I have another identical message from American Express in my Inbox. I will respond again to their survey, but this time, instead of restating my grievance, I will refer them to Complaint # XXXX. Thank you.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CONN APPLIANCES INC XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Using my Home Depot Citibank credit card, XXXX To purchase lumber after receiving the lumber 12 days have come and gone the store refuses to I have someone pick it up because they use the COVID-19 as an excuse for not wanting to pick up the damage lumber. 
I had called the credit card to file they charge back they denied my charge back because theyre saying the store needs to get the items first. 
Which I explained that wouldnt be called a charge back that would be called the refund so 12 days now sitting with damaged lumber and them wanting me to pay for this damage lumber. 
So between the Citibank refusing to do a chargeback and the store refusing to pick up the lumber. 
They are forcing me to keep and pay for damaged material. 

Every time they allegedly say theyre sending a truck driver over I lug the lumber out put it on the sidewalk did drivers never show or the store managers say that I am trying to have them come inside do unit which is false. 

Today XXXX I logged lumber back out into the sidewalk the driver comes saying he can not except it it is not on a pallet. 

I walk to the store they refuse to wish me a refund I called the bank they refused to do a chargeback. 


They are refusing to do the charge back because the credit card is affiliated with the Home Depot. 

So they are refusing a dispute for a charge back out of prejudiced and biased.
Product: Credit card

Hello, on my last credit card statement from HSBC Bank I saw two charges called " FOREIGN EXCHANGE ADJUSTMENT ''. I called the bank to ask what these were. The customer service representative told me that this was an " adjustment '' for the transaction ( s ) that I conducted outside the US " last year ''. He was unable to tell me specifically what transactions have been " adjusted '', what were the dates of transactions and why the original charge was incorrect. 
With such attitude/approach, the bank can charge any amount of money " out of the blue '' without explaining the basis for the charges. I find it unacceptable. 
Best Regards.
Product: Credit card

I had activity on my card totally XXXX dollars that i did not approve or had nonknowledge of. I even sent the back a letter stating I was not a member of this wed site when transactions occurred,
Product: Debt collection

I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with DLG collections was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.
Product: Credit reporting or other personal consumer reports

THE COMPANY XXXX XXXX XXXX CONTINUES TO INQUIRE INTO MY CREDIT FILE WITHOUT MY PERMISSION, UNAUTHORIZED ACCESSING MY CREDIT FILE CAUSING HARD INQUIRY. I BELIEVE THEY ARE STEALING MY PERSONAL INFORMATION FOR SELL. I HAVE PLACED NUMEROUS FRAUD ALERT ON MY CREDIT FILE, AND MODERN FINANCE INQUIRES INTO MY CREDIT FILE EACH YEAR MY FRAUD ALERT EXPIRES.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Equifax, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Phone number : ( XXXX ) XXXX Birthday : XX/XX/year> Current Employer : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have already attempted to update this information directly with Equifax but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have submitted ALL required documentation to report & block ( remove XXXX accounts that where reported as identity theft. Ive submitted : - a letter notifying XXXX XXXX XXXX XXXX - Identity theft report with FTC - Identity theft report with XXXX XXXX XXXX - list of fraudulent accounts - copy of my XXXX XXXX XXXX XXXX card and recent utility bill. 
Ive submitted all the above documentation 3 times with no result.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : INQUIERES : 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  Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Product: Checking or savings account

I received a letter in the mail from Chime for a Visa debit card account that I did not open. They had my name and phone number because when I called the automated system it said I was recognized, but had difficulty getting to a persons through the automated system. I did get to the fraud department by using my daughters phone, and asked them to cancel the account. They didnt wanted date of birth or Social Security number. I just gave them the date of birth. 
They said it was cancel, but would not give me any confirmation or information how the account was opened. That if I wanted that information, I can respond to an email they just sent me and would to give them date of birth Social Security card number, and a copy of my drivers license. 
Instead I decided to fill out a fraud report with my local police department and made this claim with CFPB This is the real Chime company and their phone number that was on the card and found on their website. 
It seems Chime is being very sophisticated on how they are gathering information and trying to open account with their company. 
Ive had my credit reports frozen for many years, so Im hoping this was not someone else trying to open an account fraudulently.
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 1681XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 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: Checking or savings account

On XX/XX/18 I deposited approximately {$30.00} in loose change at the Bank of America branch at XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX as the Bank had suggested I do in the past as they explained that they accept responsibility for accurately counting the change and crediting my account with the correct total in a week or less. While this worked correctly on two prior occasions, on this occasion, the Bank has still not credited my account for the deposit after 12 business days and despite emailing the CEO, XXXX XXXX XXXX to request assistance on XX/XX/18, I have not received any response to date.
Product: Credit reporting or other personal consumer reports

XXXX is removing fraudulent accounts notifying the CFBP that this issue has been resolved and then placing the information back on my credit report. They are not providing any documentation or proof of account ownership, they are simply verifying it. Validation and verification must be accompanied by documentation which they have failed to provide. I listed the accounts removed and then placed banck as verified at a later date which is in direct violation of the FTC and FCRA. This is illegal and I am requesting monetary damages at this time. THEY ARE VERIFYING FRAUDULENT ACCOUNTS WITHOUT ANY PROOF OF DOCUMENTATION! 


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