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

Ally Financial XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Bank XX/XX/XXXX, ComenitySally XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX Wiz leasing XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Product: Debt collection

I noticed a debt on my credit report that was discharged in a chapter XXXX bankruptcy in XXXX of 2015. The debt has since gone to three different collection agencies. XXXX XXXX XXXX XXXX ( Original Creditor ) sold or placed the account after my bankruptcy. XXXX was very aware of my bankruptcy. ( See case no XXXX filed in United States Bankruptcy Court XXXX XXXX of California ) All of the other debt collectors that put the discharged debt on my credit report removed the debt without question. IQ Data ( new collection agency ) stated that they will not remove the debt. I provided them the case number yet they still refused. After doing a simple XXXX search, I found that this is common practice for IQ Data. I have now sent in a dispute and demand letter to IQ and all the credit reporting agencies demanding removal. I have also retained counsel to file a lawsuit against all parties.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I paid off the remainder of the credit building loan. After the loan is paid off, they are supposed to send me the payout. It is now XX/XX/XXXX and I still havent received anything. I submitted a complaint before about this, afterwards they sent me a message saying I need to verify my identity by sending in some documents in order to receive payout. I informed them of my special but reasonable circumstances ( I am currently living abroad without a social security card and no realistic way of obtaining one ), however I would still be able to send in the others, which I believe is sufficient to prove my identity. Unfortunately, they are unable to make an exception in my special circumstance, and now my money that I am rightfully owed ( approx. {$500.00} ) is being held indefinitely by this company. If they do not make an exception for my reasonable circumstances, then I will never receive the money I am owed, which is completely unacceptable. I want my money returned to me ASAP.
Product: Debt collection

On XX/XX/XXXX I sent XXXX XXXX a letter asking for verification of the debt that they say I owe. No reply was ever received back from XXXX. where is the signed contract that shows I ever had a contract with the original creditor of Amazon. It is well pass 30 days, I ask that this negative fraudulent account be deleted from my credit report ( s ). They are in violation of FDCPA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Account is inaccurate and Im seeking litigation please delete at once. 


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

Capital One purchased my Walmart account from XXXX XXXX, sent me a new card and advised that I would earn 5 % on purchases until XX/XX/XXXX. When I went to activate card they told since I was an existing customer I did'nt qualify. I declined to activate and requested the account be closed. THEY NOT ONLY CLOSED THAT ACCOUNT, THEY REMOVED MY ENTIRE 15 YEAR PRIOR HISTORY ( see bureau ) I have sent all bureaus copies of this. Since my complaint they have added 15 different remarks to my bureau in an attempt to intimidate me. If you look at my bureau you will see this is an obvious assault on the elderly. They put incorrect information in the bureau daily to change my credit score. I have printed documentation that I will gladly send to you They have nothing to do with my prior history with Walmart ( 15 yrs perfect pay ) so0 what gives them the right to remove this positive info from my account. Why put 15 remarks on my account?, why enter one day a {$5.00} account that does'nt exist then the next day add {$300.00} to it? This is bogus. I XXXX XXXX a Capital One employee and this is their way off showing me the power they have. This needs to be corrected> Thank You XXXX XXXX
Product: Debt collection

I had opened and used a credit card at XXXX. My intentions were good but adverse conditions including job loss, extremely high medical bills, personal injuries and a very sick wife who requires constant attention and care. The cost of providing care and loss of my job prohibited me from being able to pay this debt. I have explained this numerous times but the collection company continues to call only adding to my wife 's XXXX XXXX XXXX The amount owed is approximately XXXX.
Product: Vehicle loan or lease

Im filing a complaint against Franklin financial corporation for taking adverse actions against denying me a credit extention of my own credit. Under 15 u.s.c 1681a. I feel the real reason of denial is on the basis of color. The representative was not knowledgeable about law which she is deemed to know. She admitted she was not familiar with the law, so I asked the representative to connect me with someone who knew the law or rules she denied and said the only reas she was denying me was be I had no job. But I told her thats what I need it for was to obtain employment. She said my only problem was that I didn't have a job. It makes no since I told her to explain if she didn't know the law. I asked the representative if they were under truth and lending refused to answer and refused to let me talk to someone else. When I told the representative I felt like she was discriminating against me she said she was ending the call. If she would of knew the rules/law she would of known there is no such thing as late payment which I explained below. 


( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

( c ) The term consumer means an individual. 

( d ) Consumer report.

( 1 ) In general. 

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for -- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX is my payment history. Transaction with the line of credit person/corporation extend to me. 
My experience is the amount of credit I'm using on that line between me the consumer and the person making the report. So if the report does not include Transaction and Experience, where does late payment and utilization come from? There no way I can be late on a payment. That representative violated 15 u.s.c. 1611 false information. 15 u.s.c. 1681a-k would explain the adverse actions she took against me. Franklin financial corporation had a Fiduciary obligation to do what is best for be and failed me. 15 u.s.c. 1601, 15 u.s.c. 1605. Ect..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im have not applied, nor signed or authorized or opened any Conns Account. I have disputed this fraudulent account # XXXX with Conns via mail and have not heard any feedback from Conns. I have asked Conns for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. Conns did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX Tx. Ive also made a report with IdentityTheft.gov reference # XXXX. Conns continues to report this fraudulent account on my credit report.
Product: Checking or savings account

XXXX present I have a payee also on the account The bank ( Wells Fargo ) will NOT give me access of ANY kind to my account Have contacted the institution w NO success Payee is not cooperative either I have absolutely no idea the status of my funds Thank you
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Disputed a collection for over XXXX dollars claiming to be for a medical debt. Investigation lasted a couple of days and no information was provided to prove that this debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Have a unknown card in my hard Inquires JPMCB never had or received one nor signed up for one. 
XX/XX/XXXX Have an unknown XXXX XXXX XXXX never had or received one nor signed up for. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX never had or received one nor signed up for one. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX never had or received one nor signed up for one.
Product: Credit reporting or other personal consumer reports

ISNT MINE DELETE PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a fraudulent account being reported on my credit report i dont know what else to do i was advice to file an ftc report so i did that please help me removing this fraudulent account from my credit report.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally lodge a complaint regarding Experians mishandling of my credit file, specifically their repeated failure to update and correctly report my legal address despite multiple efforts on my part. 

My most recent attempt was on XXXX XXXX XXXX in which contacted Experian by phone and requested a dispute to correct the address listed in my credit report. After successfully completing the security questions, the customer service representative proceeded with updating my address. The next day, I reviewed my Experian report, which stated my dispute was completed and address has been updated. Unfortunately, the incorrect address remained on my file.

On XXXX XXXX XXXX I called Experian to follow up on the matter. Unfortunately, the experience was deeply frustrating and unprofessional. The female representative I spoke with was not only unhelpful but also displayed an unacceptable lack of professionalism. She was combative, blatantly disrespectful, and dishonest. When I challenged her false statements she made while having conversation she abruptly hung up on me, further escalating my concerns about XXXX handling of my dispute. 

XXXX failure to update my address and their representatives behavior have caused significant inconvenience and stress. My ability to maintain accurate records with credit reporting agencies is vital, and Experians inaction and mistreatment are unacceptable. 

I, respectfully request that the CFPB investigate this matter and hold Experian accountable for their actions. Specifically, I am asking for : 1. ) An immediate correction of my legal address on file with Experian to match the address on XXXX and XXXX. 
XXXX. ) A written explanation from Experian detailing why my dispute was not properly resolved. 
XXXX. ) Measures to ensure that consumers are treated respectfully and fairly by Experian representatives.
Product: Checking or savings account

In XX/XX/2019 I called Chase to report fraud in my checking account. Large sums of money were being deposited into my account and then being removed from it via XXXX XXXX. They informed me that they would close the account and then that they wanted to " terminate our relationship '' and said I could no longer bank with Chase. 
I found that to be ridiculous unless they assumed I was guilty of the fraud ( if so, why would I report it..? ) so I went to my local Chase branch and spoke with the manager about it. He agreed it was ridiculous and we sat together on the phone with corporate for over 2 hours until they finally agreed to open me up another checking account. 
Fast forward 2/maybe 3 weeks ( the week of XXXX ) and all of a sudden I can not log into my online checking app. I called Chase and was informed that after a final review, they are ( again ) terminating my relationship with the bank and I am no longer welcome to use Chase. I once again went to my local Chase branch only to be told there's nothing they can do, and that they are allowed to withhold my funds until their review is through. They are also not disclosing why my account was closed and " reserve the right to not have a reason ''. So I have no access to any of my past paychecks nor do I know when/if I will ever get that money back.
Product: Money transfer, virtual currency, or money service

Hello I am contact you in regards to my active coinbase account. As of XXXX XXXX I was locked out of my account. I was directed on their website to follow a few steps to resolved the problem. I completed the process and received an email notifying me that it was approved and I should be receiving a code by text to allow me access to the account. I never received the code. Next I sent a request ticket through there website, but got no reply. After that I called the customer support number, who directed back to the website. Once I did get a reply regarding my ticket it directed me back to the website. Next I used their XXXX account and their XXXX XXXX account for assistance and have gotten no reply. I am now writing to you while being placed on hold by their support line, I have been on hold for two hours. I have not included the dates because of the large amount of attempts I have made. 

Please help me regarding this issues, I have went through the proper channel as they have directed with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to gain an apartment in my name in a state i do not live in the other credit bureaus have been very helpful in helping me with the matter but Equifax has caused me more headaches and pain they removed the fraudulent account and placed it back on my credit. If this issue is not resolved i will file a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX 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

The account from XXXX should be removed since its Fraudulently opened. I have enclosed a letter from XXXX to have item removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Experian continues to report an alleged collection I do not owe and it has been canceled. As Experian knows canceled debt is considered income and can not be reported to the consumer report. 


( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX, and TransUnion about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.