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

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
In acordance with the fair credit reporting act the follow information is inaccurate and has violate my rights. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Included in Bankruptcy XXXX XXXX Included XXXX Bankruptcy XXXX XXXX Included in Bankruptcy XXXX  XXXX Included in Bankruptcy XXXX XXXX Included in Bankruptcy XXXX XXXX Included in Bankruptcy XXXX XXXX Included in Bankruptcy XXXX XXXX XXXX Included in Bankruptcy XXXX  XXXX Included in Bankruptcy XXXX  XXXX Included in Bankruptcy XXXX XXXX Included in Bankruptcy XXXX XXXX Included in Bankruptcy XXXX XXXX Bankruptcy XXXX Bankruptcy  XXXX XXXX Bankruptcy 15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

For several months, I have been disputing incorrect information regarding these accounts and the discrepancies between the credit bureaus ; however, there has been no resolution on this matter, which led me to file a complaint previously. They still consider the information correct even though its inaccuracy has been demonstrated. Therefore, I am filing a new complaint now, specifying the violations that were incurred here. 

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.
Product: Credit reporting or other personal consumer reports

I reported to Amex back in XXXXXXXX XXXX XXXX that there was a fraudulent account opened under my name. I was told not to worry Amex would clear up this. I have been calling every week and Im told they are working on clearing this up and not to worry I dont need to make a payment on the fraudulent account. 

Starting in XX/XX/2023 Amex started reporting me for not paying my bill while the account is being investigated. This contradicts what they are telling me on the phone. 

I feel like they are not trying to help me clear this matter up and are being deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the letter from XXXX for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except experian, they are not cooperating, please help this inaccuracy to be deleted from experian report thank you
Product: Credit reporting or other personal consumer reports

Looking at my credit report has been nothing short of distressing. The sheer amount of inaccurate information is not only shocking but also deeply frustrating, as its taking a heavy toll on my credit score and overall well-being. Its infuriating that these errors are holding me back financially, making it harder to achieve stability. The stress of knowing I might not even qualify for basic needs because of these mistakes is unbearable.
Product: Checking or savings account

I supposed to be recieved payment ( credit ) by XXXX on Thursday XX/XX/year>. 
but it is not posted yet. till XX/XX/year>. 
and i can't touch with capital one bank. 
I spend XXXX hr XXXX min. to contact capital one rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my XXXX card was opened fraudulently. After contacting XXXX and sending an FTC identity theft report, they closed the account but it remains in my credit report showing a closed card with balance.
Product: Debt collection

I am requesting verification regarding a debt that was charged off by affirm inc . According to IRS guidelines, creditors must issue a 1099-C form for canceled debts over {$600.00}, yet I have never received one for this account. I have made multiple attempts to obtain this form directly from Affirm Inc but have not received a response or the necessary documentation. Without it, I can not properly address potential tax implications or confirm whether the debt was officially forgiven. Additionally, if this debt was reported as income, it should no longer be classified as a charge-off, as income can not be considered debt. Therefore, I request that this charge-off be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND ACCOUNTS attached to this complaint from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it again. there are accounts that need validation in order to be verified. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Discover Card Checking account was given orders to pay automatically every month on XXXX day {$500.00} towards loan to XXXX XXXX for the car purchased in XXXX. Loan expiration date ( without interest charged ) was XX/XX/XXXX. Last payment on the loan was made on XX/XX/XXXX. At the end of XX/XX/XXXX XXXX mailed us a title deed for the car since the loan had been paid in full. In XXXX after paying the last {$500.00} payment I have cancelled that payee. In XXXX no payment was made but in XXXX suddenly the payee- XXXX XXXX appeared again and the payment was made on XX/XX/XXXX. XXXX returned the payment on XX/XX/XXXX. I called Discover and asked why that payment was made and why the payee - XXXX XXXX was restored. Person who talked to me indicated to me that he would call me on my cellular phone but instead of calling me on that phone he closed the line. I deleted that payee yet again. Then my husband on XX/XX/XXXX received e-mail informing him that our Discover account had Not sufficient funds. When I went to see the account I found out that on XX/XX/XXXX payment was made again to XXXX XXXX which caused the depletion of our funds in that account. The following day funds were returned. Today, XX/XX/XXXX I and my husband called Discover and went through four people : XXXX from XXXX, XXXX from XXXX XXXX XXXX, XXXX from Arizona again and the last lady 's name I did not record. She put me on hold for more than half an hour claiming that my identification was blocked and then fraudulently claimed that it was XXXX XXXX who demanded the restoration of the payment. Title deed was issued on XX/XX/XXXX and copy is attached as well as the last XXXX statement from XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I had called in to their Banking Voicemail Service on XXXX different times requesting to transfer money from my Money Marketing Account to my Checking Account to avoid any overdrafts. I did speak with a XXXX about the issue and she was able to make the Transfer on her end. However she appeared to not know what was going on in reference of the issue. However just out of curiosity I had called the Banking Voicemail again and they vindictively did the same thing by rudely hanging up on me. This comes from me reporting this Bank several times for their constant misconduct. Because on Tuesday XX/XX/XXXX my now deceased XXXX XXXX XXXX spoken to a Customer Service Representative by way of a recorded conversation by stating that she didnt want any of my siblings most definitely my sister XXXX XXXX XXXX XXXX to have any access to her Banking Accounts. Make that she also had a XXXX Benefit Account for me but only to find out a few weeks after her Funeral on XX/XX/XXXX they allowed my sister XXXX XXXX XXXX XXXX to commit fraud by cleaning out her accounts. Make note that prior to all of this my sisters power of attorney powers were stripped by the XXXX  Court here in XXXX Pa and plus the one she had was proven to be fraudulent. But yet PNC Bank covered up for her crime and then lied about the recorded conversation taking place on XX/XX/XXXX. Make note that the PNC Bank XXXX Department claimed that they were doing an internal investigation concerning this fraud and the constant lying from their employees way over XXXX  months ago and to this day theyve done absolutely nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breach in XXXX I placed a freeze on my credit with Equifax, XXXX  and XXXX XXXX. On Tuesday, XX/XX/XXXX I applied for a COVID-19 Economic Injury Disaster Loan for my small business. In applying for the loan it was stated that my personal credit would be assessed for underwriting. I easily temporarily lifted my credit freeze with XXXX  and XXXX XXXX online. The online method for temporarily lifting a freeze with Equifax could not verify my identity and stated that I had to call their customer service number to proceed. After speaking with three different customer service representatives from Equifax, providing all the correct requested information and waiting on hold for over two and a half hours Equifax refused to verify my identity or temporarily lift my credit  freeze and at XXXX sharp the call was disconnected by Equifax . I do not know what to do. My credit is frozen with Equifax and they have completely locked me out of their system with no recourse. Without lifting the freeze I will not be able to receive a COVID-19 Economic Injury Disaster Loan. Without the assistance of COVID-19 Economic Injury Disaster Loan my business will fail. How is it legal that this company can hold my credit hostage causing my business to fail? They are preventing me from receiving the help being offered by the Federal Government to keep my business from failing during the COVID-19 pandemic. I have a credit score of XXXX and Equifax is holding my credit hostage and locked and I have no recourse. For what purpose do they exist then? What can I do?
Product: Money transfers

We attempted to purchase camera equipment via a Website XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. After receiving an invoice from alleged company we completed Wire Transfer as requested. Subsequently found evidence that site was a scam and attempted Recall of wire transfer. Transfer occurred between our account at Chase Bank and identified account at XXXX XXXX. Recall not complicated as Chase refuses to provide Hold Harmless Document to XXXX. We have supplied notarized evidence of Scam and our understanding is XXXX has frozen assets in receiving account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX of Birth : XXXX # : XXXX Experian XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.7. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.8. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.9. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.10. Sample Reason XXXX XXXX  Account Number : XXXX My parent has the same name as me.11. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.12. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to GC Services Limited Partnership on XX/XX/XXXX. As of XX/XX/XXXX They did not reply to my request therefore this account should be removed from all 3 credit bureaus. According to XXXX they did not reply to my letter with the proof of debt. Instead, they filed the response under cease and desists all communication on XX/XX/XXXX. This information was put in by XXXX. However, the letter states " that no further telephone contact be made by your offices to my home or to my place of employment '' It does not state cease and desist written communication. I was told that GSC never forwarded my information to the original creditor XXXX. As a result and against 15 USC 1692g Sec 809 ( b ) of the FDCPA this account has been reported to all 3-credit bureaus.
Product: Credit reporting

I have Public records listed on my credit reports that are inaccurate and incomplete such as JUDGEMENTS. The federal law requires that the credit agency provide mechanisms to ensure that each item on my credit report belongs to me and is accurate. I have requested from the credit agency Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate these Judgements and they have failed me only to return stating it has been verified with no substantiation. I have received a letter from the court stating they do not reporting to the consumer reporting agencies but yet the credit reporting agency is saying they have verified it with the court.
Product: Money transfer, virtual currency, or money service

All of this took place on the Cryto.Com App. 
On XX/XX/2021, I attempted to buy XXXX XXXX, the crypto. After attempting, the app timed out and I was told that the transaction failed and was canceled. I tried 4 more times, attempting to buy, and received the same error. These were at XXXX, XXXX, XXXX, and XXXX XXXX  Central Time. I gave up and tried later at XXXX and the transaction went through, for XXXX USD. 

On XX/XX/2021, I checked the app and saw four purchases for XXXX were made on my account, at the same times XXXX XXXX  Central Time for varying amounts of XXXX : XXXX for XXXX USD, XXXX for XXXX USD, XXXX for XXXX USD, and XXXX for XXXX USD. I attempted three times at XXXX on XX/XX/XXXX to reach support through their automated system and received no messages or ability to call or email for support. The fourth time, I was told they would email me shortly and heard nothing. 

At XXXX XXXX  on XX/XX/2021, I attempted to sell the XXXX bought on my account, a total of XXXX XXXX for XXXX USD. But, when trying to move that money back onto my credit card, I was told the minimum was XXXX USD to transfer. I do not have that much on my Crypto.Com account, nor do I want to have to spend money to receive the money taken out of my account wrongfully in the first place. The company has not responded to any of my support requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFFS accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014 and they are still currently reporting and affecting my credit. This is a clear violation of the Bankruptcy Law Act. This account needs to be removed.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance XXXX {$2300.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$750.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$95.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i  ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX, account number XXXX ; 9. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.