23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had a Netspend prepaid debt card for many years and on XX/XX/23 i was unable to sign into my account. On XX/XX/23 i received an email that " There may be a problem with my account and to call customer service. On XX/XX/23 called customer service and was told " There are suspicious activities and my account was blocked. '' The customer service rep. would not give me any information/details about the suspicious activities and stated i would need to submit documents for security verification to the email he would send me. On XX/XX/23 i sent the required documentation ( SC Drivers License, Social Security Card and a Tax bill from the SC Treasurers Office with reference number XXXX to the email provided ( XXXX ) On XX/XX/23 i received an email stating that all the documents submitted were rejected, at which time i called customer service and they informed me that scanned documents were not acceptable and that i needed to send them my actual Drivers License and Social Security Card. After explaining in no uncertain terms i was not going to send my D/L and SS Card. The customer service rep stated that the only other option was for them to close my account and they would send me a check for the balance in my account. ( I don't know the balance since i was blocked from my account ) Something here is not right and needs to be looked into. Any help you could provide in getting my money would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : XXXX XXXXXXXX late open XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : XXXX XXXX late open XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 I received a CC in my former name but current address, that I did not apply for. On XX/XX/XXXX, I called to speak with a representative to inform them, it automatically activated the account due to me verifying all the information. I have been unable to get a live representative on the phone to close or dispute this account. I checked my credit history and there was no suspicious activity reflected.
Product: Credit reporting or other personal consumer reports

I have sent out letter to XXXX XXXX Transunion about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show XXXX XXXX Transunion any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of the following derogatory information. 
That has been wrongfully inserted in my credit profile. I have requested that all three major Credit Reporting agencies investigate the accuracy of the following wrongful information listed below.

As part of the Credit reporting agencies, I have requested verification of the original contract with my signature. Additionally, have requested the method of verification. As of to date, I have not been provided with requested data. Resulting in ongoing derogatory data in my credit profile.
Product: Credit card or prepaid card

Comenity Bank delays processing of payments to facilitate charges of interest and late fees. 
I always pay my outstanding balance as soon as the statement arrives. 
One month I made two large purchases and had a balance in excess of {$10000.00}. 
I made certain the payment went out the day after the statement arrived. 
Eighteen days later no payment was posted to the account and the check had not cleared my bank. 
I messaged Comenity that the check must be lost or stolen and I was stopping payment. 
The next day Comenity posted the payment and attempted to process the check, but the stop payment had already taken effect. 
It is highly unlikely a payment could be lost in the US postal system for two weeks and ever arrive. 
It is even more unlikely that a payment could be lost in the US postal system for two weeks and arrive the very same day as a message stating that a stop payment order had been placed on the check. 
Comenity denied a request to reverse either the interst or the late fee. 
Copy of messages exchange with Comenity attached
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Noticed on credit karma that an old inquiry ( from XXXX XXXX ) was removed, and then an inquiry from that same bank was newly added. XXXX XXXX has no info other than " BARCLAYSBANKDE '' displayed, and the fact that it was added to my report within the last 5 days. Tried contacting transunion for contact information for the bank and was denied. Their website does not work and phone wait times are extremely long. Mind you I chatted with XXXX maybe XXXX weeks ago where I provided my SSN and DOB through a secure form within the chat and had contact info for a collections account provided immediately. Now suddenly that is impossible and since their website will not work, I HAVE to call to verify my identity and providing contact info through the chat is 100 % impossible and a privacy issue. Finally contacted bank directly by just calling XXXX numbers on the Barclays website for info on why an inquiry was just recently added and they just said I " had no recent applications with them. '' When I stated they needed to investigate why they have just added an inquiry if I have not applied for anything, they stated over and over again that someone MUST have added me as an authorized user despite that being completely impossible. And of course they had no way of looking up this imaginary account that I am an allegedly an authorized user on. Refused to transfer me to a supervisor because I am " not a customer. '' Had to threaten contacting the FTC and ask for the agent 's identifying information before they would even mention being able to file a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING NEGATIVE ACCOUNTS ARE REALLY AFFECTING THE OVER-ALL STATE OF HEALTH OF MY CREDIT SCORES. THE XXXX XXXX ACCOUNT WHICH IS DATED FROM 2017 WAS ONLY REPAIRED OFF OF TRANSUNION AND REMAINS NEGATIVE ON THE OTHER TWO CREDIT BUREAUS. WHAT IS THE REASON TO WHY THIS ACCOUNT IS STILL ON THERE? NOTHING WAS DONE ABOUT THIS AND I DEMAND A REASON TO WHY ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. 

My latest credit report shows 4 credit inquiries that I did not authorize. 

I writing to dispute the following inquiries and asking for their removal from my credit report. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Please have these investigated and removed as soon as possible as I never authorized this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This can not be a repossession because FIRST SERVICE CREDIT U has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX 1. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
4. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because Equifax is reporting me being 60 days late in XX/XX/XXXX when my XXXX XXXX shows I paid on time in XX/XX/XXXX. 
XXXX XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Debt collection

XXXX XXXX XXXX assisted with my aligners that I finished treatment for over two years ago, their company announced multiple files they are going bankrupt and no longer can service customers in ordering aligner, services, or continuing with replacement aligners. The actually branch locations closed down and they all of a sudden send a bill to everybody when theyre no longer in business. I was never billed or invoiced an amount due to bankruptcy. This collection company TEKcollect is harassing me and wants to settle when I do not have business with their company or owe them. a please dispute this as I also disputed with the company.
Product: Checking or savings account

By around XX/XX/XXXX the bank account got frozen by company 's decisions for a no reason. due to using ATM machine that customer 's transaction made at his travel time during in XXXX. Amount in a account is XXXX $ worth. 
the company has no right to freeze account under the customer 's permissions. Yet, account is still freeze at this moment and customer is no finance access what so ever in the XXXX and struggling to find his shelter. also seeking help from US embassy at this moment but there is no successful actions and faith. and he is stuck getting back to USA even it is not his fault nor his cause. 
this is a serious ignorant with abandoned abuse service ever and it need to unfreeze the account immediately. 
identifications should be given over the phone via emails anyway possible but has not been approved. all the company has saying was he has to visit the branch office counter him self to unfreeze, which is impossible at this moment. he is in a XXXX. not in a home town. The customer is still stuck him self desperate to leave the XXXX.ASAP.
Product: Credit reporting or other personal consumer reports

I am writing regarding unauthorized bankruptcy entries that have appeared on my consumer report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 4 ), I assert that these entries violate my consumer right to privacy, as my personal information was released without proper authorization. 

I have confirmed that I am a victim of identity theft, and these bankruptcy entries are fraudulent. Under federal law, you are required to : 1. Remove unauthorized entries 2. Protect consumer privacy 3. Maintain accurate reporting
Product: Debt collection

Please see My attached Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

After Navient threatened legal action. I paid them XXXX as agreed to avoid a legal judgment. Two days after I paid the account it seems Navient or their representative reopened the closed account. This meant the status on the account changed from charged off and delinquent for 120 days to bad debt/collections. It could have been reported as charged off/paid. Or anything that represented that they now considered the account closed as they had received my payment. Navient 's website acknowledges the payment. Their counsel acknowledges the payment but they failed to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account reporting to all thr CRA with XXXX no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted from my credit report.
Product: Credit card

I set up automatic payments on my XXXXXXXX XXXX XXXX issued by Wells Fargo. The automatic payment was made on XX/XX/XXXX but did not apply. Wells Fargo did not inform me any issue, and the processing failure only showed up online on XX/XX/XXXX ( 14 days later ), together with an interest charge of {$240.00}. Wells Fargo never informed me the processing issue, despite my checking account has sufficient funds. I found out myself about the processing issue and manually paid right away on XX/XX/XXXX. 

The interest charge seems excessive. Wells Fargo should inform me right away for the payment processing error so that manual payments would be attempted again right away.
Product: Mortgage

My wife and I have had a home mortgage through XXXX XXXX XXXX for the last 5 years. 

XXXX XXXX XXXX notified us on XXXX XXXX that our mortgage was being transferred to Carrington Mortgage Services on XXXX XXXX, which I believe is less notice than required ( is n't it 15 days? ) Carrington has not contacted us at all about this transfer, and it is now XXXX XXXX. We want to know what we can do.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I Have Been In Dispute For Months, Since XXXX Of XXXX With Chime Bank For Fraudulent Transactions Thats Were Made Onto My Account. For Months I Filed Claim After Claim And Being Constantly Denied Because They Claim To Have To NEEDED A Police Report. The Police Department Wouldn't Release My Report Until The Case Was Closed. After Months Of Trying With No Solution They Finally Released My Police Report And I Was Able To Send It In For Review A Month Ago. THEY STILL DENIED ME! Even When It Clearly States That My Card Was Stolen And They Used My Card To Make Fraudulent Charges! I Had To Order A New Card Immediately After The Incident And This Happened The Day Before My Birthday. When I Made The First Dispute With Chime I Had To Make The Disputes In 2 Separate Claims Because Chime App Only Lets You Dispute 4 Transactions At Once And There Was XXXX Of Them. The First Dispute Was For XXXX Transactions Totaling {$190.00}. The Second Was For XXXX Transactions Totaling {$16.00}. The Transaction For {$16.00} Was Immediately Approved Within The Next 2 Days, But They Have Been Constantly Denying Me My {$190.00} Thats was ALSO APART OF THAT DISPUTE. I Filed Both Disputes The Same Day, One After The Other, So Also Close In Time. They Also Both Had The Same Description As I Just Copied And Pasted It Because They Were Both For The Same Instance. How Shady Does It Look For Them To Approve My {$16.00} Dispute Almost Instantly But Put Me Through XXXX The Last 7 MONTHS FOR THE REST OF MY MONEY. I Have Provided Them With Everything They Have Asked For But They Still Continue To Deny Me Even With The Evidence Right In Their Faces! Im Looking Into Pursuing Legal Action And Suing The Entire Company As A Whole!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
Product: Credit card

This is in regards to my Costco Citi Card. My wife has made every payment on time from XXXX until our last 2 billing cycles. Normally she uses the app on the phone with no problem, but then it stopped allowing her to log in. The 1st time, I was able to make a late payment and had late fee waived and created a new log in. The same thing happened again with the new log in, saying it was not correct info. I called and spoke to Citi service and tried to see what the issue was. They told me that the log-in we always used was removed due to inactivity, but it was how all our prior payments had been made without a problem. Even though they deleted my online login account and caused 2 payments for 2 successive bills to be late, they will not remove 2nd late fee or the hit to my credit as well as reducing our credit limit. This was caused by them, but we are the ones getting hurt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received the debt validation letter for the collection account. However, recently ( XX/XX/year> ) I reviewed all of my consumer credit reports and noticed an inaccuracy regarding how you are currently reporting the collection account to the consumer credit bureaus. Specifically, your collection account is being reported to XXXX and XXXX but not to XXXX XXXXXXXX XXXX XXXX. Moreover, as you're aware all information must be accurate within all credit bureaus. ( All of my consumer credit reports are available upon request to review/confirm this information. )
Product: Debt collection

To Whom it May Concern, Your firm has failed to send the legally required validation of the following debt : PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX You have sent me  copies of bills that is owned by other companies which is not validation. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. That is to file a lawsuit against this company. I have already had dialogue with an attorney on my rights. I have every intent to sue if the matter is not taken care of. 
Thank you in advance for your attention to this matter.