23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account being reported on my account stating it opened XX/XX/2021. I do NOT have any recognition of this account. But i was a victim of identity theft during this time frame. Someone stold my wallet and completely gained full access to my personal identifying information such as my california identification card and my social security card and opened this account fradulently online without even going thru any sort idenity verification. process. I do not recall ever having any transactions using this bank. PLEASE REMOVE THIS ACCOUNT IN ITS ENTIRETY FROM ALL 3 CREDIT REPORT AGENCIES> PLEASE REMOVE FROM COLLECTIONS AND CLOSED ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX Credit Card {$800.00} owed.
Product: Credit card or prepaid card

I XXXX XXXX XXXX in Fact, entered into a consumer credit transaction with XXXX XXXX XXXXXXXX XXXX XXXX of 2013. A consumer credit transaction of which I a finance charge was XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. A finance charge does not include cash which XXXXXXXX XXXX XXXX but that was taken at the closing table. The finance charge should include insurance but I had to pay that as well. 

Pursuant to Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. These alleged reports you have failed to investigate rather or not they factually took place can be classified as a transaction that took place between the person making the report and the consumer. Which ultimately means it should not be in my report and is a violation of my RIGHTS!

Pursuant to 15 USC ( a ) ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information on my consumer report. This is also another violation of my rights.
Product: Credit reporting or other personal consumer reports

I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian regarding a fraudulent XXXX account on my credit report. They refused to block the account from reporting after I submitted the FTC report along with the documentation from XXXX stating that they would remove the account. They are the only bureau that hasn't been compliant with section 605 of the fair credit reporting act and are violating consumer rights. When I asked them to do so, the representative from the company said they couldn't block it because of their internal affairs. This is outrageous! Please do not let them violate the law anymore! My mortgage can not close with this fraudulent account reporting. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit.
Product: Debt collection

XXXX XXXX XXXX harrasing me about a Debt thats not my Debt, I've never done any Business with XXXX XXXX XXXX, please delete from all my credit breuras
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System.  The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - I had never applied for Amex Gold card before and I applied for American Express ( Amex ) Gold card for the first time on XX/XX/XXXX. During the application process Amex showed me the following welcome bonus offer. 
" Earn XXXX Membership Rewards Points after you use your new Card to make {$4000.00} in purchases within your first 6 months of Card Membership. Plus, for a limited time if you apply for this Card by XX/XX/XXXX, you can receive 20 % back as a statement credit on eligible purchases made on the Card at restaurants worldwide up to {$250.00} back during the first 12 months of Card Membership. '' I submitted my credit card application, and it was approved instantly. 
Below is the link that I used to apply for this card : https : XXXX? XXXX & XXXX # XXXX XX/XX/XXXX - I received my card in mail on XX/XX/XXXX, and I began using this credit card to meet the {$4000.00} minimum spend. Please note that Amex didnt notify me either during the application process or when I received that card that my Welcome Offer was declined. There was also no mention of this when I received my first Credit Card Statement. I was under the impression that I will be receiving the offer and completed the minimum spend on my new card. 
XX/XX/XXXX - After meeting the minimum spend, I talked to Amex XXXX XXXX at XXXX with XXXX on XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX about the Amex XXXX Welcome Bonus. She confirmed that I will be receiving the XXXX XXXX XXXX in 8-10 weeks and the Statement Credit of 20 % Cashback, up to {$250.00}, on Restaurant Spend. 
XX/XX/XXXX - As per the terms and conditions of the credit card signup bonus offer, I should have been getting the 20 % cashback on restaurant spend, which I didnt. I contacted Amex customer care through their Chat service and the representative informed me that the welcome bonus on this card was declined. Here is their response, It appears that the welcome bonus on the card was declined. Your welcome offer eligibility depends on whether you have had the Card which you are applying for in the past as well as other factors. You mentioned earlier that someone from our customer service team via phone call confirmed with you that you will be getting this offer. With this, we need to refer you back to our customer service team as we are unable to verify any information disclosed over the phone. 
XX/XX/XXXX - As per my conversation with XXXX on XXXX XXXX, I contacted Amex XXXX XXXX again to check on the status of my welcome bonus offer. I called around XXXX XXXX  XXXX time and the total duration of the call was XXXX minutes. The Customer Care Representative also said that my welcome bonus was declined and XXXX, who I talked to XXXX XXXX, might be mistaken. The Customer Care Rep from Rewards section created a case for review and provided me with ID XXXX. She mentioned that it would take around 10 days for Amex to do internal checks about why the welcome bonus was declined.
Product: Credit reporting or other personal consumer reports

I would like to know how Experian already did their investigation results verified it as accurate and the dispute was verified as accurate when with XXXX XXXX XXXX XXXX  final number XXXX XXXX XXXX XXXX XXXX XXXX XXXX hasn't even got back to the attorney general that I filed a complaint file number XXXX Experian verified XXXX XXXX  as accurate but XXXX XXXX  hasn't got to the attorney general or cfpb
Product: Debt collection

MIDLAND CREDIT MANAGEMENT is furnishing an account to my consumer report without providing me with prior consent via certified mail giving me the opportunity to dispute the debt or opt out of any relationship with their company. This is a violation of my consumer rights. I demand MIDLAND CREDIT MANAGEMENT cease and desist all communication regarding this alleged debt through ANY medium ( including my consumer report ). Failure to comply will result in legal action being taken.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 in MONTHS REPORTING LATE to be removed 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 cred
it 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

I purchased a XXXX XXXX with XXXX XXXX. The pass was suppose to allow me to attend 3 races in XXXX. I used the pass to sign up for 3 races in XXXX in West Virginia. The XXXX XXXX company made the decision to cancel all their XXXX events as of XXXX. 

I have asked XXXX to refund me and they refuse to, saying they have a No Refund Policy. That policy makes sense if " I '' were to cancel or not able to attend, but they are canceling, thus no offering the service i paid for. 

After no resolution with them, I asked Wells Fargo to assist me with a dispute for Not Receiving the Service. Based on how quickly they closed the case, they didn't even seem to try to help me.

I do not understand how I am suppose to settle for " credit '' for XXXX, even though there is no guarantee that events will be allowed.
Product: Credit reporting

Experian is reporting inquiries that are greater than XXXX XXXX XXXX.
Product: Debt collection

I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was added to a Wells Fargo account in 2013 and I was not the signer of a bad funds check yet I was added to   XXXX   XXXX   I should not ber liable for this account
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ XXXX ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ XXXX ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XX/XX/XXXX SSN- XXXX Email- XXXX Phone- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account that need to be removed XXXX XXXX XX/XX/XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2022 my home equity line of credit account was hacked. I went to the Branch of Citizens Bank on XX/XX/2022 to explain that my accounts were hacked. The person who went into my account made it look like I made transactions of {$2400.00} out of my account. The same person also hacked my two checking accounts, my savings account with the same bank Citizens Bank. I finally was credited back for the money that was taken out of my checking and savings accounts for {$1800.00}, but not credited back on my home equity line of credit account. I need this taken care of and have my account in good standing again. I am not responsible for these transactions out of my account. If I wanted to withdraw from my home equity line of credit I would not do all these transactions back to back in one day and with these amounts should raise a red flag {$500.00}, {$490.00}, {$490.00}, {$240.00}, {$250.00}, {$250.00}, and $ XXXX makes no sense to do this. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I believe that under FCRA 605B, we are obligated to remove any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Debt collection

Contacted by Professional Claims Bureau , Inc. several times in an attempt to collect {$3700.00} for a medical bill at a hospital that I did not visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that i didnt authorize and i am so dissapointed because my information suppose to be protected at all times.. i have been contacting the cra 's quit sometimes now in no one is responding to my matter at all.. however i can proceed with court matters if this isnt resolved because the cra 's has already violated my rights 1. ignoring 2. running my credit when i didnt authorize 3. inaccuracies 4. motion distress..

i am requesting under section 15. US 1681 PER 609 PER 604 that these inquires remove that i didnt authorize nor given permission they have 24-72 hours to fix
Product: Student loan

My loan is serviced by ACS. XXXX will make three years in a row they have determined my income based repayment plan amount incorrectly. I am married filling jointly for my tax returns and my spouse has federal student loans. My spouse 's loans should be considered when determining my repayment amount for the year. ACS refuses to include my spouses loans in their initial determination. I have included my wife 's information on the IBR annual recalculation request. I have approved ACS to access her loan 's on the NSLDS website. But the initial recalculation is still incorrect. So I have had to resubmit the exact same application that I submitted initially. ACS will then do their job correctly and include my wife 's loan amount in their calculations. In XXXX an ACS agent # XXXX told me to pay my XXXX payment of {$43.00} for XXXX until ACS could correctly determine my loan payment for XXXX. In XXXX I receive an invoice for my new loan payment of {$62.00} plus a late payment fee of {$150.00}. ACS is threatening to add negative information to my credit report if I do n't pay the late fee. The only reason they received an insufficient payment is because of their own ineptitude. Is there anyway to switch loan providers?
Product: Credit reporting or other personal consumer reports

I decided to cancel my Bank of America credit card after they were unable to initiate a dispute for a fraudulent charge on my account. The following month, I called Bank of America to make a payment. During that call, I asked the representative if this would be my final payment or if there would be any remaining balance in the next billing cycle. The representative assured me that this would be my last payment and that no balance would carry over to the next statement. 

Unfortunately, this information was incorrect. The next month 's statement showed a balance of approximately XXXX  which I was unaware of until I noticed a 60-day late payment on my credit report. This significantly impacted my credit score. Despite multiple attempts to resolve this issue with Bank of America and the credit bureaus, including filing a dispute, I have been unable to rectify the situation. I have consistently been responsible with my credit cards, and it is frustrating that my credit score has been severely affected by an {$8.00} balance.