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

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer ContXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit card

On XX/XX/XXXX from XXXX to XXXX someone charged my card 4 times. 

The first purchase being {$10.00}, second one being {$52.00}, third one being {$21.00}, fourth one being {$27.00}. 

I contacted cashapp first, they said they can not do anything or dispute because the charges are still pending. So i contacted blizzard, told them the situation, they said they were unable to locate the charges even though I gave them all of the information they asked me for and said that they are not able to help and I need to take it up with the bank. The bank in question is cashapp
Product: Checking or savings account

I incurred over XXXX in FRAUD on my account which BB & T never once told me as it was happening. They tried repeatedly to tell me it was my fault that someone was buying XXXX cards and other fraudulent activities. Until I got the right person after months of phone calls to their XXXX #. They did not inform me as it happened daily and let the account go into a {$3000.00} overdraft and still did NOT inform me. I am a XXXX mom of XXXX teenage kids. I had to fight to prove it was fraud. After months of struggling financially due to their data breach and own negligence, they now tell me I'm responsible for the massive overdraft due to their mishandling of my account allowing over XXXX dollars to disappear out of my account over a period of 5 weeks. I am on medication and barely able to function with the stress they caused me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had a mortgage with TD bank. Mortgage account # XXXX. I contact TD bank to re-finance my mortgage in XX/XX/2019. I was working with the bank directly, assisted by their loan processor. Before closing, the loan processor advise me not to pay the current payment of the old loan, since the new loan will stat. The numbers were final to cover the old loan balance with all fees. This was paid off and the new loan start with payments to begin in XXXX. In the meantime, TD send me notice of late payment for the old loan which result in mark on my credit report. 

I contacted TD before but didn't get a response. 

Please help me to remove this mark on my credit score. 

Thank you, 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 XXXXXXXX {$400.00} XXXX XXXX XXXX XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$260.00} XXXX XXXXXXXX, XXXX {$840.00}, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XX/XX/2021 ; ThIS Inquiry is reporting on my personal credit file with ( Experian/XXXX ) credit reporting agency. This Inquiry was 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.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX  XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX. 
ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX BANK ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, ACCOUNT #, 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.
Product: Credit card

Citibank 's government travel card program erroneously charged off my government travel card while I was on a payment plan and making monthly payments. My account has been paid in full for over 10 months. As an XXXX XXXX XXXX XXXX I am required to have a government travel card, and my current duty position requires me to travel multiple times per year for different missions and Citibank is prohibiting me from being able to effectively perform my duties and responsibilities which will ultimately become a hindrance to my career progression if they do not allow me to get a new government travel card. My XXXX was only used for official travel, and I've done my part by informing my chain of command with every issue that I have encountered and paying off my card. This program is doing a disservice to us XXXX XXXX who follow all of the rules and pull our weight with this broken system that they have in place while the company has already received their money through a government contract and turn a XXXX eye to us when they have the capability to assist. Especially when this is a delinquency that wasn't my fault and the first one I've encountered for the XXXX years that I've had this account.
Product: Credit reporting or other personal consumer reports

CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX XXXXXX/XX/XXXX Subject : Dispute of Charge-Off Account Under 15 U.S. Code 1601 Dear Sir/Madam, I am writing to dispute a charge-off entry on my credit report, which I believe is inaccurate and violates the provisions outlined in the Truth in Lending Act ( 15 U.S. Code 1601 et seq. ). 

According to my credit report dated XX/XX/XXXX, there is a charge-off listed by XXXX XXXX with the account number XXXX. However, I contend that this information is incorrect and does not accurately reflect my credit history. 

Under the Truth in Lending Act, creditors are required to provide accurate and complete information about consumers ' accounts. I believe that the information regarding the charge-off is inaccurate for the following reasons : 1. Lack of Verification : I have not received any verification or validation of this debt from [ Creditor Name ], despite multiple requests. As per the Fair Credit Reporting Act ( FCRA ), creditors are obligated to provide verification of debts upon request.

2. Inaccuracy of Reporting : The reported charge-off amount does not align with my records of the account. There might have been errors in the calculation or reporting of this debt.

3. Statute of Limitations : If applicable, the statute of limitations on this debt may have expired, making it unenforceable and ineligible for reporting. 

In light of the above, I request that you conduct a thorough investigation into the accuracy of the charge-off entry. I ask that you provide me with the following : 1. Documentation validating the debt, including the original signed agreement.

2. Proof of the last activity or payment made on the account.

3. Any other pertinent information related to the charge-off. 

I also request that you temporarily remove the disputed charge-off from my credit report during the investigation process, as allowed under the FCRA. 

Please provide a written response within 30 days as required by law, detailing the results of your investigation and any actions taken. If you are unable to verify the accuracy of the charge-off, I request that it be promptly removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX however Equifax and XXXX it is still reporting. These bankruptcies do not belong to me and should be removed from my reports
Product: Credit reporting or other personal consumer reports

I have an experian account. They are currently being sued for a data breach and not going through the dispute process correctly. This is affecting all of my scores through all reporting credit bureaus making it difficult for my score to advance. Things such as incorrect amounts, addresses I am not associated with, improper names, and collections that are also full of incorrect information.
Product: Credit card or prepaid card

On XX/XX/XXXX a purchase of a leather loveseat and bench was charged on my Macy 's credit card with an additional fee for furniture protection of {$240.00}. 
This was a Great Giveback certification program. If there were no claims within 7 years, I was eligible to receive a store credit certificate valued at the original LIMITED Product Protection Plan price ( {$240.00} ). 
We received a confirmation of our application on XX/XX/XXXX. 
We never received the Macy 's giveback certificate. 
We called the phone number we were given many times and either I left a message, or they never answered the phone call.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a deposit from XXXX XXXX  In the amount of XXXX dollars into my personal Navy federal account. Funds were directly deposited and clear for spending however XXXX has decided to deny me the funds. Stating that bc I didnt deposit them into a business account they will not release them, and are sending them back, against my wishes obviously and the lender. I showed them proof of my identity and of the loan and they still have yet to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX BANKRUPTCY Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these items still persist on my record. As we enter the tenth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$260.00} ; XXXX  XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit reporting or other personal consumer reports

I have a US Bancorp inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I disputed outdated info from XXXX on my credit report. Nothing ever happened. Experian refused to dispute the outdated info and continues to show it to this day. Experian never mailed me a letter stating my dispute was frivolous. Every time I call I can never speak to a human, I am automatically transferred to a robot, Experian is screening my number and transferring me to a robot that keeps me on hold forever. Experian told me XXXX pays them and I don't so they are going to display whatever XXXX sends them. I have no power in the matter even though the information is outdated and incorrect.
Product: Vehicle loan or lease

My original car loan was with us auto sales. Loan was reassigned without my knowledge. Westlake financial service who is the company that my loan was transferred to repossessed the vehicle on XX/XX/XXXX stating I havent made a payment since XXXX. I was still making payments to us auto sales at that time and now have no way of tracking that information because the company websites have all be deactivated. I made a payment to release the vehicle on XX/XX/XXXX. I still havent been able to retrieve my car. I was given information to a company called XXXX  to retrieve my vehicle. I have been trying to reach someone since XX/XX/XXXX and have yet to be able to reach by either phone or email regarding picking up my car.
Product: Checking or savings account

I am a US Citizen temporiraly living in XXXX, XXXX. 

Short story : My birthday is wrong in the HSBC system, and I can no longer log in to my account. I need my birthday changed. I have spent well over 4 and a half hours ( about 273 minutes by my count ) either talking to HSBC reps or on hold trying to fix this  problem. 

The way I see it, HSBC has stolen my money and time. 

Long story : 1 ) After coming back from vacation, I tried to check my account on Sunday, XX/XX/XXXX. Security features had been added which asked for my birthday. I put in all the correct details, and it would not let me log in. 

2 ) I called HSBC for the first time on XX/XX/XXXX. I told the representative what was wrong. I had not changed my password. He told me to change my password. I still couldn't log in. He told me to change my password again. I still couldn't log in. He said try again later. That phone call took 39 minutes and 50 seconds. 

3 ) I tried again later on XX/XX/XXXX. It did not work. I called again. They again asked me to change my password. After I explained that that wasn't the issue, I did it anyway, and it did not work. The representative did not know what to do. That phone call lasted 43 minutes and 45 seconds. 

4 ) At work Tuesday morning ( XX/XX/XXXX ), I tried to log in again, and it did not work. I tried talking with the online chat. After explaining the situation, they told me to call HSBC. The online chat took 30 minutes. 

5 ) I called HSBC three more times with the number the online chat person gave me. I got no response as it was not US business hours. 

6 ) The online chat person gave me a different number. I told the representative the entire story, she had me change my password again, again, it did not work. This representative noticed that my birthday was in the system wrong ( even though I asked the first rep if it was correct ), but told me I had to wait to call during US business hours. That call took 29 minutes and 2 seconds. 

7 ) I called again later that day, but it was no longer during US business hours. It took 7 minutes and 26 seconds to find that out. The representative took my number and said  they would call me back, they never did. 

8 ) I called again yesterday ( XX/XX/XXXX ), during US business hours, explained the situation, and was put on hold. I waited 1 hour, 2 minutes, and 22 seconds. I was not connected to anyone. 

9 ) I hung up and I called again, again I explained the situation, and the representative told me that she was putting me in a " priority queue '' and that this situation would be resolved today. I waited on the " priority queue '' for 39 minutes and 38 seconds.

10 ) I hung up and I called again, again I explained the situation, and again the representative tried to connect me to another department and I was put on hold. I waited 22 minutes and 42 seconds, and then HSBC disconnected the phone call. 

I still can not access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Experian has illegally re-aged a debt XXXX XXXX.. LAST DATE OF DELINQUENCY XX/XX/XXXX, XXXX.. Closed XX/XX/2016 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled customer information, putting millions of customers at risk for identity protection. I am listed as a victim according to the www.equifaxsecurity2017.com website, and I would like a resolution.