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

XX/XX/2019 VISA Credit Card Statement from XXXX Bank ( XX/XX/2019 - XX/XX/2019 ) included ( 4 ) separate fraudulent charges from XXXX. 
Transactions dated XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, totaling {$500.00}. 
XXXX VISA Cardmember Services on XXXX of fraudulent charges, card was canceled and new card sent to office. VISA XXXX XXXX # XXXX. Notified XXXX XXXX regarding fraudulent charges ( XXXX XXXX XXXX XXXX # XXXX ). 
Requested info sent from XXXX XXXX for charges. Received ( 4 ) receipts for online purchases from XXXX XXXX. 
VISA Cardmember Services provided credit for fraudulent charges on XX/XX/2019 then reversed credits on XX/XX/2019. Called VISA Cardmember services regarding reversal and they stated the reason behind refusing to refund the charges was due to them being from " a company that we have made other purchases from. '' We are a small construction business located in the XXXX, Washington area. While we do make many purchases with the physical XXXX XXXX stores this credit card is not associated with any homedepot.com account, nor have any purchases ever been made on the online store. 
VISA Cardmember Services was notified that we disagree with the refusal to refund the charges and the case was sent to a " Case Processor '' with XXXX XXXX ( XXXX XXXX XXXX ). After ( 1 ) month the case processor reached out to me and requested the XXXX XXXX receipts which were then emailed to the case processor. After another month of trying to reach the case processor for a status an email was received that notified me that unless there was additional information the refusal to credit the fraudulent charges would remain. The case processor was then contacted on the phone and asked what information that they would need in order to change the denial of the fraud charges. XXXX mentioned that something from XXXX XXXX showing the shipping addresses or contact information " may assist. '' XXXX XXXX  was contacted again on XX/XX/2019 and asked to provide a letter/email with screenshots or information showing the ( 4 ) different charges which were ( confirmed verbally with XXXX XXXX  support ) purchased under ( 4 ) different contact names/phones and sent to ( 4 ) different addresses across the United States ( None of which are located in the XXXX, WA area ). XXXX XXXX stated they could not provide any hard copy information other than the receipts and could only report this information verbally over the phone.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, An inquiry made by TD Bank also known as TD Bank , N.A . solicited a credit report on me. I did not solicit any services from TD Bank in any recent years for their to be cause on the part of the Bank to make inquiries into my credit reporting history. I have filed a report with the credit reporting agency XXXX which is the only credit reporting agency currently displaying the inquiry on my report. I have crossed checked with the other credit reporting agencies such as XXXX, and XXXX. XXXX is currently processing my fraud dispute on this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The series of request letters that have been sent to Trans Union has resulted in zero success. All letters have been mailed with copies of my ID and Social Security Card for verification. Ive sent a letter on XX/XX/2020 via certified mail and in my dispute letter, I've demanded to be sent copies of the original documents ( with my signature on them ) showing that the account on my credit report belongs to me. However, as the result of that investigation, they stated that they verified and updated the account but they have not met my demands by providing me with the original documents nor did they provide me with the names, addresses, and phone numbers of those contacted. Following this, on XX/XX/XXXX I sent a Method of Verification Request letter via certified mail regarding their response. I had addressed FCRA 611 ( a ) ( 6 ) ( b ( iii ), which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, Ive asked that they provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 2. Name, address, and telephone number of each person contacted regarding this alleged account. 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

However, as a result, they have concluded the reinvestigation by stating that they have verified and updated the account without providing me with the names, addresses, and phone numbers of those contacted, or a copy of the original documents with my signature on them. It is clear that this is an automated response or e-Oscar verification method, which is unacceptable. I just dont understand how XXXX  has removed the account from my credit report while Trans Union refuses to even follow the simplest demands. Due to the information that I have and the frustrating process, I hope to resolve this issue effectively and efficiently.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was open because of identity theft and have nothing to do with me I demand immediate deletion this information from my report and will proceed with police claim on this, provide me proof the account is belonging to me you personal review does not proving that this is mine I dont sigh for this account and never opened they reporting this account on my name that i never have and never opened Account info Account name RESURGENT/LVNV FUNDING Also known as LVNV FUNDING LLC Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$980.00} past due as of XX/XX/year>. Status updated XX/XX/year> Balance {$980.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$980.00} Highest balance - Terms 1 Months On record until XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. violation of section 604 15 USC code 1681B. Please remove from my credit report CAPITAL ONE BANK USA Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. violation of section 604 15 USC code 1681B. Please remove from my credit report CAPITAL ONE BANK USA Account Number : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will verify these items with the respective creditor and remove any information that can not be verified. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. Please send an updated copy of my credit report to the address provided above. According to the act, there should be n
o charge for this updated report. Additionally, I kindly ask that you notify any party who has received my credit report within the past six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter. 

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

I opened my XXXX XXXX Secured Platinum credit card on XX/XX/XXXX, got my card XX/XX/XXXX. I got my first XXXX on XX/XX/XXXX. A few days later it was reported to my XXXX credit report only. it is now XX/XX/XXXX and my credit card has not been reported to my other credit bureaus... it should not take this long for it to be sent and reported. Usually within the first XXXX days the credit card is reported to the credit bureaus. 


Attached are screenshots from ( credit karma Equifax account ( s ) ) and XXXX Accounts
Product: Student loan

I have tried on numerous occasions to lower my monthly payment due to a decrease in my families income ( my wife and I just had a child and therefore she is not currently working ). Navient was not able to reduce my monthly payments or even put my loans on temporary forbearance. I am either forced to continue to pay this amount we can not afford or default on payments and have my credit affected.
Product: Credit card

On XX/XX/year>, I made a payment of XXXX from my checking account. After a few days, the payment bounced because they said my accounts were being closed and, according to the bank, I could not access the money. Since then, they have been charging me excessive interest, and on top of that, I can not use my money because my accounts are held in Backoffice. This situation has become completely unsustainable. I have made several complaints to Bank of America, but its always the same response : You need to wait, as they say they need to investigate. All of my money across the three accounts I had with them is frozen, and the debt on my credit card increases every month. They wont return my funds, nor can I even make payments on the credit card. Every time I file a complaint, they say it will be resolved within 24 hours. I filed a complaint at the end of XXXX, and the response was that they are closing my accounts and should send me a check for the balance in my accounts. This has been dragging on, and they keep telling me to call tomorrow, call next week, etc. Its utterly absurd that I cant take legal action against an institution that has frozen over a XXXX dollars and refuses to return it. 

I implore you to help me get my money back as soon as possible. 

Let me know if you need further assistance!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Transunion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Transunion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Ttransunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

This is the second time XXXX XXXX XXXX has try to suit me without providing proper documentation why midland is sending me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$900.00}
Product: Credit reporting or other personal consumer reports

I have tried dispute errors on all three Credit Companies XXXX, Equifax and XXXX and none of them are actually fixing the errors on my credit reports. 
XXXX XXXX {$480.00} XXXX XXXX {$990.00} XXXX XXXX {$240.00} XXXX XXXX XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$480.00}
Product: Payday loan, title loan, or personal loan

I got emails from XXXX XXXX saying I took out a loan from Ace loan I dont know who this company is and I have never received funds they say I did I think this is fraud please check out and let me know they keep harassing me with emails
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received a notice from Portfolio Recovery Associates to pay a bill dated XX/XX/XXXX for a hospital bill from around XXXX. 
Amount is under just under {$1000.00}. 
This bill has been resolved for several years ( possibly prior to XXXX ) and is no longer a balance owed. They have tracked down addresses which have been out of state from where the bill originated and have continued to send notices.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : transunion, XXXX and XXXX.
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I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report.
I get no response other than new credit reports sent in the mail.
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Requested Action.
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Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX  can get information for my ready reserve applications.
My XXXX XXXX  has applies five times and can not get credit information to approve my application for new reserve accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. 
List of negative accounts and personal information : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chexsystems is reporting a derogatory mark on my credit from XXXX XXXX XXXXXXXX as a closed account with a negative balance due to account abuse, I was in contact with XXXX   at the time notifying them that the balance would be paid the account was closed with no warning or due date, as well theirs inaccurate information regarding addresses associated with my name on my chexsystems report.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$1200.00} Charge-off XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX BANK XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX BANK XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX BANK ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XACTUS XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I went to the Experian website and there is no clear way to remove the incorrect information on their website. The names and address that are incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX