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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Experian Account ( Name : XXXX XXXX XXXX XXXX XXXX Acct. # XXXX ) Transunion Account ( Name : XXXX XXXX XXXX XXXX XXXX Acct. # XXXX ) Equifax Account ( Name : XXXX XXXX, Acct. # XXXX )
Product: Mortgage

They set me up on a repayment plan but due to everything that's going on and me just having XXXX im not able to make the payment I told her before the date that I get paid on the XXXX but her response was ( that's not our problem the repayment plan is a very sensitive matter and can't be stretched out to the XXXX ) When I clearly told her I can't pay till the XXXX. I even emailed there Lawyer and told him/her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report.

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand.

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being.

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors.

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found.

The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer.

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Credit card or prepaid card

On Thursday the XXXX of XXXX, XXXX, I filed a claim # XXXX with the Bank of America Fraud Department in the amount of {$1300.00} that was taken from me through the Bank of America ATM machine. The theft was on various days starting on the XXXX of XXXX, XXXX through the XXXX of XXXX, XXXX. So as I should, I reported it this to the Fraud Department as soon as possible. However, the service and the manner of action that was taken was not only unhelpful, but vague as well. So not knowing what to do, I called again on Friday the XXXX of XXXX, XXXX to request a hardship loan from the amount of what was taken from me ; but unfortunately, they informed me that I had to wait 10 days for the claim to be in pending status before anything can be done. And even though their policy is zero fraud liability, I waited the 10 days before my next call on Monday the XXXX of XXXX, only to be informed that my claim was denied with no explanation as to why. So with much effort, I was able to reopen the claim ; although, I am to wait another 10 days before any further action can be taken. So I am back at the beginning with them ; meanwhile my bills are adding up and I am left with nothing from what was taken from me because of the lack of service and security of Bank of America Fraud Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Equifax XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX  Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5600.00} XXXX XXXX XXXX XXXX  Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

Equifax has yet to mail out a complete copy of my credit report Have requested several times Equifax has wrong address phone numbers address showing XXXX  has balances wrong on several accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from XXXX i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, experian and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you
Product: Credit reporting 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 Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 reporting 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. 
XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  is alleged to be owed XXXX and is reporting illegally to your credit reporting agency and others. 
I dispute this debt in its entirety and was not given the opportunity to dispute this alleged debt that does not belong to me. Therefore, I will testify to this in a court of LAW that XXXX XXXX did not deliver to me the initial notice as required in accordance with FEDERAL Law. I demand PROOF that I received the initial VALIDATION NOTICE that affords the consumer the RIGHT to dispute the alleged debt! 
I will aware in a court of law that I received NOTHING from the office of XXXX XXXX. 
I DEMAND PROOF of my receiving the notice by providing me a tracking number that will reveal the date that the notice was delivered or DELETE this alleged debt information from my credit report ( XXXX ) immediately. 
I am also requesting information regarding the names of the attorney ( s ) who reviewed the file regarding this alleged debt that Is containing my non public personal information.

Also if this alleged debt was purchased by your agency then what was the amount the debt was purchased for? I request the information because the amount reporting should reflect the accurate amount after the debt amount should decrease amount due to your alleged payment.

If the adjustment was not made then the amount reporting is inaccurate. This account must be DELETED because it is not my debt, Status is not correct, Alledged Amount is inaccurate the account was alledgedly paid by the a third party. 
Additionally, I have requested information regarding the Transfer of Ownership along with thePurchase Agreement that should reveal ALL parties involved. 
Remove this alledged erroneous account from my credit report.
Product: Credit card or prepaid card

XXXX XXXX is the credit card issuer for XXXX clothing retailer, the XXXX XXXX card. Back in the XXXX, my son, an authorized user on my XXXX charge account, lost his credit card. I contacted XXXX to notify them of the lost card and to request a replacement. It took them two weeks to respond to the lost card communication, and they never replaced the card. I reached out to their support several times for a replacement card, and I was promised on two occasions that a replacement would be sent within 7-10 days. No card was sent. In XXXX, I lost my XXXX XXXX card, and I reached out to XXXX for a replacement. Weeks went by without a response. Finally, on XX/XX/XXXX, I received an email from XXXX saying they couldn't replace my card because they were unable to contact me. All of my telephone numbers, emails, and mailing address are all accurate, and no attempt to contact me was made by XXXX. Furthermore, they ran an additional hard inquiry credit report without my permission as a part of the card replacement process. When I told their support team I would be filing this complaint, suddenly, they became more cooperative. They indicated they would escalate my request to a manager to resolve. On XX/XX/XXXX, I got yet another email saying the issue had been escalated, and " someone '' would reach out to me within 7-10 days. XXXX XXXX is not taking customer service seriously. They are not taking lost cards seriously. They are not doing their due diligence, and customers plus retailers are suffering because of it. I've requested the CFPB to publicly post my complaint so other customers and retailers know XXXX will NOT take care of them. All I want is my lost card replaced so I can make purchases.
Product: Debt collection

To whom it may concern I am disputing charges from XXXX XXXX totaling {$210.00}. 

TV services were installed and then cancelled within 24 hours due to XXXX XXXX in ability to provide the internet services initially agreed upon in my TV and internet bundle. 

Under Florida law I am entitled to cancel any contract within 3 days of signing. I did so within hours of the tv service being installed. Therefore invalidating the contract as well as the fact XXXX XXXX was unable to provide what they had agreed to. 

If you would like to pursue this issue further I request the following proof of debt 1. Contract 2. Proof of installation of TV 3. Proof of installation of internet * ( this doesnt exist ) 4. Recording of my call to XXXX XXXX   on the day of installation between XXXX and XXXX XXXX EST 5. Recording of second call to XXXX XXXX after the one and only bill I received from them. ( the representative stated that I owed nothing and the account would be XXXX out ) Credence RM refused to provide documentation and states only that it is valid. 

XXXX XXXX doesnt have any record of my account. They seem to have zeroed it out as initially stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX ) XXXX  / XXXX  Date Opened : XXXX  XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy.

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

I pay my bills religious on a monthly basis. Capital One is always a bill and pay through the Capital One app. ** I was alerted by XXXX credit report before Capital One notified me that my monthly payment processed through my old XXXX XXXX XXXX  account. I have no idea how they got this information and I refuse to take any financial and credit score hit for this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute two items that are currently listed on my credit report. The first item is a charge of {$1400.00} from XXXX XXXX, which was added to my credit report on XX/XX/XXXX. The second item is a charge of {$530.00} from XXXX XXXX XXXX for XXXX XXXX, which was added to my credit report on XX/XX/XXXX. 

Regarding the XXXX XXXX charge, I am unsure as to why this charge has been added to my credit report. My lease for the apartment in question ended on XX/XX/XXXX, and during my time living there, I always paid my rent on time. I do not owe any outstanding rent. 

Regarding the XXXX XXXX XXXX charge for XXXX XXXX, I am a current customer of XXXX XXXX, and I have not had any outstanding debts with them. I can attached a copy of my insurance policy and a statement from XXXX XXXX confirming that my account is up to date as proof that this charge is inaccurate. 

I respectfully request that you investigate these matters and remove these items from my credit report as soon as possible. Please inform me of the results of your investigation and any actions taken to correct my credit report. 

Thank you very much for your prompt attention to this matter. 

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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report : XXXX number XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have also provided an attachment with my id.
Product: Money transfer, virtual currency, or money service

I have a crypto wallet with coinbase.com and about 2 years ago they put some restriction about selling or buying anything from my account. I reached out to them several times and opened atleast 5 cases. They asked me to send them my bank statements, income source, my ID and my W2 which I provided to their compliance department at XXXX XXXX XXXX  Below are the support cases I have opened with them so far. Every time I get a response that they are working on it and as soon I disconnect, they closes the case. 

Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 I have provided them every information
Product: Credit reporting or other personal consumer reports

XX/XX/year> To : Equifax Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax. This request is based on the recent deletion of an account by Innovis, one of the four major credit reporting agencies. I recently disputed a charge-o for {$2500.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.
Product: Student loan

XXXX, keeps calling my private cell phone number, my husband is the co signer on my sons XXXX loan. I dont know how they got my private celll number .This is harassment an another level. XXXX has no right to call my private cell phone number. ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I have paid this debt in full as of XXXX XXXXXX/XX/2015 to XXXX. The unpaid collection continues to be reported by Patient Account Services. I requested a verification of the debt and received a response dated XXXX XXXX XX/XX/2015 stating the current balance on this account is still {$1000.00}.
Product: Credit card or prepaid card

Hello and Good Day ; Re : Care Credit Account Synchrony Bank XXXX I am filing a complaint due to the fact that the XXXX XXXX XXXX retailer located in XXXX Ny, who promotes this credit card did not disclose the details of this credit card fees and interest. i was informed without a doubt that i will only be charged interest on the remaining balance after the 12 months of making payments interest free expired and if there was any remaining balance i would pay interest after that. However, Care Credit/Synchrony Bank charged me a cumulative amount of {$370.00} that was retroactive for the 12 months that i was to not pay interest as a caveat to opening an account with them. In XX/XX/XXXX, they charged me the said amount of XXXX Today, XX/XX/XXXX, i made a final payment of my remaining balance with the exception of the interest they charged me erroneously equaling {$370.00}. Today, I closed the account with Synchrony Bank and paid {$760.00}, which was the balance without the over charge fees previously mentioned. I attempted twice to resolve the issue with a Synchrony manager and was informed twice they would not waive or take off the {$370.00}. i informed them that i would contact XXXX, XXXX, which i did and was advised to contact the FTC. I kindly ask for your assistance on this matter as i feel i as a cosumer was misled to believe one thing and never given proper information of what could happen once the year is over. That is misleading a consumer just to benefit their company or store. I am appalled that this happens. i received no calls, messages nor letter that i would be charged. I made automatic payments monthly and was handling account as paperless. i believe my recent credit history has shown that i have worked hard to repair my credit over the years and do not want to lose the positive growth i have worked on. Please rectify this situation and i provide FTC informed consent to remove further in investigating this matter and hope it is favorable to me. Thank You and enjoy upcoming holidays.