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

Placed for collections on : XX/XX/2023 Original Creditor : XXXX XXXX XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS I have knowledge of this collection nor is this collection mine ; I was looking over my rental history.so that I may be able to purchase a home, and this came about. Which is ow putting me in jeopardy in my process.
Product: Credit card or prepaid card

Greetings, Thank you for trying to protect us from evil. First off, I have been a Chase customer for many years and I have PAID OFF SEVERAL BALANCES ON TWO CARDS. My balance is 0 now, I have not used card in a few months and I am getting phishing scams on a personal email for my info., so I call Chase to lock my acct. for a few months, because I don't want to close acct., effecting my credit score. They are oh so nice and tell me yes they can lock both my business and personal acct. for a few months, just call when I want to use. Now today I get an email, telling me, if I don't use my acct. THEY WILL CLOSE IT. Chase is the most evil company I have ever dealt with & they need to be held accountable for their evil practices against customers who have paid their debts for years & have excellent credit and THESE COWARDS NOW WANT TO CAUSE MY CREDIT SCORE TO BE LOWERED BY CLOSING MY ACCT. PLEASE PLEASE ADMINISTER FINES TO THIS COMPANY FOR CUSTOMER ABUSE. I DON'T WANT TO CLOSE MY ACCT. BUT THESE COWARDS ARE FORCING ME TO CLOSE THE ACCTS. BECAUSE I AM FOCUSING ON PAYING OFF MY DEBTS AND THEY CAN'T STAND IT. PLEASE HELP US PROTECTION BUREAU.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Joint account been taken off because the main owner is on chapter XXXX
Product: Checking or savings account

My name is XXXX XXXX I need these dispute claims to be reopen for XXXX for {$55.00} {$55.00} reference number is XXXX and for {$30.00} reference XXXX and reopen and investigate again and change to fraudulent dispute type because I disagree with the disputes decision saying I didnt unauthorized both payments it is fraudulent and I have contacted XXXX and they told me to dispute its with my bank and for {$30.00} Confirmation : XXXX and {$55.00} Confirmation : XXXX. Look at my attachments below please etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} DPT ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Prepaid card

I attempted to use a check I received from my bank to move my money into another account and the check declined and my bank kept the money it disappeared from my account and was never seen again. The banks Name was Skylight One NetSpend.
Product: Debt collection

On XX/XX/2021 I natural person and federally protected consumer XXXX XXXX XXXX believe Global Lending Services have violated my federally protected consumer rights under the FDCPA ( fair debt collection practice act ) FCRA ( fair credit reporting act ) and T.I.L.A ( truth in lending act ) I walked into XXXX XXXX to fill out a consumer credit transaction and walked out with a loan and debt. I assume no liability for this alleged debt which I stated in the first affidavit. see attachments
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting

This has been an ongoing issue with Transunion credit reporting. I now have copies of what 's being reported as my score. And the score they are giving others for me. I have attached a copy of my online report the I pay for. And have a copy of my report that was sent to creditor. This caused me another chance to get approved for my loan XXXX Again! I am paying money for a true credit score and am not getting it.. Both of these reports are right from Transunion and NO ONE ELSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized reporting multiple laws were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

XX/XX/XXXX ; I paid a lady XXXX dollars thru square for car parts the payment went thru then a hour later the payment was sent back I guess... it was never sent back to my account... I found out next day square deactivated sellers account and said it was sent back... on XX/XX/XXXX the money showed up on her closed account minus their fees, she was told to refund the money thru her account but it doesn't work. That same day square went back into my account and charged another XXXX dollars ... .The seller got an email on XX/XX/XXXX that her account was deactivated she never saw it... .why did they take my money from the start... .the second XXXX has dropped off my account but the first on has not... .I have no car parts a broke car and square won't give my money back to me... I don't have 90 days to wait and my bank won't help me either ... square should be shut down the way they are treating the average citizen is gross after all without us they are nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/25
Product: Checking or savings account

Hello, I recently opened up accounts with Chase bank ( I just got married and that's my wife 's bank ). If I deposited XXXX XXXX into a new savings account and set up direct deposit with a new checking account within 30 days, I'd receive XXXX dollars based on a promotion that was mailed to me. When I went to redeem my money, they denied me saying I didn't redeem their coupon within 10 days. When I filed a complaint, their complaint department denied me saying I didn't redeem the coupon within 21 days ( it took over a week of phone tag to finally get them to talk to me about this ). The issue I have is that nowhere on their letter ( I checked the fine print with their bankers ) does it mention this 10 or 21 day time frame. When I told their complaints department, they said I was advised to go in before this 21 day time frame, I wasn't, and she told me there was nothing she could do. I asked them to just show me how I was supposed to know this and I'll accept my mistake, but not a single employee could find it. They could only apologize. I know based on what one of their bankers told me that I'm not the first person they've denied. Chase is offering free money to people like me who really need it to survive, creating restrictions only they know, and just saying sorry but we can't help. This is unfair and I think the public should be made aware of this. I can send you a photo of this letter if you'd like. Thank you for your time to read this, and I really hope to hear back from you. 

Best, XXXX XXXX
Product: Mortgage

I called Ditech Insurance Company about my account and over due payments on XXXX XXXX 2017, to get my account up to date. I called and spoke with a Rep regarding options I may have. my account has been mis-management by this company on several occasions and this time has taken the cake. I told the Rep that I have approximately {$2000.00} in an account labeled unapplied funds. I told the the Rep that I would like these funds back and I would put it together and make up the difference so that it will be a full payment for the month. She said she would put in a request and that I should the funds mailed to me in 3-4 days but that because of the holiday 's it might take a little longer. She also said she does not know if they would honor sending the money back to me because my account is past due. I told her that that 's my money that Ditech is gaining interest from that money in the account and it not even being applied but every month I 'm assessed a penalty which has been going on for 4 years. I told her that I will take legal action regarding this holding of my money and not returning it to me and illegally gaining interest and not applying it to my account. Plus, I am assessed lates fees. If there 's any company that should be investigated it should be this company for the illegally practices they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account " 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
Product: Credit reporting

credit karma is reporting XXXX open accounts on my credit report that should be closed due to bankruptcy.the XXXX open accounts are both medical, XXXX XXXX IN. credit karma is wrongfully reporting this because equifax has already fixed the problem.
Product: Credit reporting or other personal consumer reports

I disputed these 3 Accounts XXXX XXXXXXXX & XXXX XXXX XXXX I disputed the accounts challenging its accuracy and completeness. The letter I sent to XXXX, Equifax and XXXX are dated XXXX XXXX, XX/XX/year> and XXXX XXXX. These three accounts are still being reported inaccurately by reporting three different Dates of Last Activity, three Different Last Payment dates and reporting Missing/Incomplete information such as NO Closed Dates that are being reported on CLOSED accounts. I have given the consumer reporting agencies chance after chance to correct the errors and update my credit report in which they continuously failed to do so. They continue to violate my rights under the FCRA by reporting false, inaccurate, erronoeus and misleading information even after I told them and presented to them facts of my concerns that I needed to be addressed. I have attached my previous dispute letters in an attempt to correct my credit report so I can finally be approved for a new house so my family and I can obtain a little more peace in our lives. Specifically my right under FCRA Section 623 ( a ) ( 3 ) has been violated which says that If I dispute any information I believe is not accurate, then I have the right to do so and the Credit Reporting Agencies must not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. In this case XXXX, Equifax, and XXXX failed repeatedly to enter the notice that I disputed the accounts XXXX XXXXXXXX & XXXX XXXX and XXXX decides to report fraudulent information on my credit report.
Product: Credit card or prepaid card

Simply Its Against the federal bureau to put curtain Credit history on my report to make my score low.I Need Action Immediately so I can move on with my life.
Product: Credit reporting or other personal consumer reports

I check my credit report recently, Unfortunately I saw inaccurate account and unauthorized inquiries listed on my report. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint. Here 's the inaccurate account and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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.

These inaccuracies are stopping me from buying a new home.
Product: Credit reporting or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Product: Bank account or service

I want to file a complaint about Wells Fargo. I do not recall ever opening the account for the XXXX XXXX Credit Card, which leaves to believe i was one of the victims of their scandal. Because I am afraid of the damage that would be inflicted on my credit report, I have decided not to close the account at this time. Instead in recent months, I have decided to start using this Credit Card. In addition to the complaint that I want to file for them opening an account in my name without my consent. I want to compain about how unsatisfied I am with the service of this account and want to express my displeasure with them as they have not responded to my direct inquiries. The credit card in question takes approximately 3-4days to post a transaction, which I believe is completely unacceptable and believe it is a huge security risk to my account as I am unable to monitor transactions as closely. For example, if I were to use my Wells Fargo debit card, it is almost instantaneously posted to my online profile as a " pending Transaction '' I should expect the same kind of fast service with this other credit card. I hope this gets fixed immediately!
Product: Credit reporting

On XXXX/XXXX/2015, I sent a letter to Experian informing them that I had paid a debt listing on my credit report under a collection item. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of that payment is XXXX. I stated in my letter that the collection listing under XXXX XXXX XXXX needed to be removed. Experian notified me that the debt was actually mine and have not removed it.
Product: Credit card

I have filed a dispute with Citi Bank. I have filed a dispute for the amount of XXXX XXXX for XXXX. I have so much docs it is sad citi has not taken me seriously. I have emailed them everything they require along with phone calls, saying they would call me back, emails all kinds of emails. They emails provide proof of why XXXX XXXX ripped me off. Citi reversed all charges when I got to XXXX two months ago. Sense then I can never get a hold of anyone in the dispute team. They have also closed this dispute. I provided them everything they asked of via email. I have proof. I resend this proof three other times. I am now asking for you help. They inquire me, unless they want money. I am very shocked how they are like this to a client like myself.
Product: Debt collection

They do not have my correct social security number, but are using my name and address to validate accuracy. The company that they are representing is XXXX XXXX, in which I did have an account previously see below, but is is paid and closed. They account they have had a credit limit over {$5000.00}, which I never had the luxury of ever having. This account has never reported on my credit file either.. This account is fraud. 

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - XXXX XXXX - XXXX - - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements -
Product: Debt collection

After a detailed review of my credit report, I noticed a number of accounts that were added without my knowledge and are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information being reported
Product: Money transfer, virtual currency, or money service

Chase bank held money wired by my account from XXXX illegally without telling me the reason. They kept on holding the money and caused my home purchase deal fail.
Product: Credit card or prepaid card

Received a Target my red card with {$300.00} limit. I called them with the card number and the target rep asked me some questions regarding some things. He said that it was a different email than mine. Used the same address and a disconnected phone number of mine. He is sending me a letter from Target about the card. It is not been opened.