23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have filed a fraud claim on my account 3 times and it keeps being denied by TD Bank 's fraud dept. My purse was stolen on XX/XX/23. I contacted TD bank that morning to let them know my card was stolen. I checked my account right before I called to see if my card had been used. My card was used in XXXX XXXX XXXX which is 3 hrs away, I was at a different location ( 3 hrs away ). The card was used back to back without a pin and put my account into a negative. I sent TD bank a police report. 
The claim was denied because i logged in around the same time the card was used. They should be able to tell that when I logged in I was at a completely different location and I called them right away to report the card stolen. 
Then it was denied for " card was not utilized after you notified us to close the card. '' That doesn't make sense. Of course card couldn't be utilized if I reported it stolen. I called TD bank for an explanation and was told that there was no further information. They have not given me any proof as to what evidence was used to come to the conclusion that an error did not occur and that these charges are mine. 
I have never used my card in XXXX XXXX XXXX, or a XXXXXXXX XXXX XXXX. No pin was used. Card was used back to back ( red flag ) I was 3 hrs away when charges occurred. I provided a police report. My account did not even have sufficient funds.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$3300.00}.
Product: Credit reporting or other personal consumer reports

Please see attached documentation Ive dealt with pain and suffering from not being approved for many things because of these errors on my report. 
I do not consent to E-Oscar facilitating my report I need a human being researching my report there are ALOT OF ERRORS and with ANY ERRORS OR INACCURACIES COMES REMOVAL NOT UPDATE BUT REMOVAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following errors and reporting inaccurately. Here as follows is the item in error : - XXXX XXXX XXXX The credit limit on this secured credit card is {$1000.00}, its reporting a high credit of {$900.00} that is inaccurate. There is something that XXXX XXXX made up called a permanent credit where they kept my money in the amount of {$580.00} on an account they closed after I filed a complaint with the Consumer Finance Protection Bureau. In addition to a credit of {$26.00} and {$5.00}, this totals {$610.00} which is money that has not been spent. The balance of {$380.00}, which is accurate is not a high balance is what should be reported. I will include a letter from XXXX XXXX admitting to the permanent credit, which can not be spent by myself of my own money. 

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

I am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
XXXX XXXX Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX XXXX Bankruptcy Case Number : XXXX due to this account reporting in error please delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it very disturbing that this consumer reporting agency is reporting inaccurate information on my consumer report. I am very knowledgeable of my consumer rights and they have violated me in numerous ways. They have ignored my disputes. Ive been sending letters and contacting by phone since XX/XX/2021 and they still havent resolved this problem. They are in violation to federal law. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Due to them violating my consumer rights If these items arent removed asap I will have to file for litigation.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the inaccurate information present on my credit file reported by TRANSUNION. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures.
Product: Checking or savings account

I previously filed a complaint because PNC bank did nothing regarding the fraudulent transaction on my account. I sent the person handling this complaint some information. XXXX XXXX from PNC said she would look at this. I emailed her 3 times asking if she would like the additional information I had and if she could provide an update. I received no response and no further communication. Her investigation was a year old copy of the XXXX agreement. This is not an investigation nor is it appropriate. I am not sure why it took her a month and a half to provide this. I would like this to actually be investigated.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX failed to investigate errors on my credit report. Capital One Bank has reported a failed late payments on my credit report. Capital has refused to update my payment history correctly as paid in full I have sent in many documents showing how Capital One Bank has been reporting incomplete information on XXXX in the payment history they failed to report on time payments. XXXX and XXXX has different payments dates reporting. 

This is my late warning be I sue them. I spoke with my lawyer, my lawyer 's documents will reach Capital and the credit reporting agencies immediately concerning this issues. All previous documents will be in the attachments.
Product: Debt collection

I had blood work done by XXXX XXXX XXXX XXXX XXXX XXXX I received the bill for {$23.00} and paid with an electronic check from my bank. The check was deposited by XXXX XXXX and I have the cancelled check. I communicated with XXXX XXXX on several occasions via email. XXXX XXXX confirmed that this amount was paid and the matter was resolved. I have those emails as well. Some time later I receive a notice from Credit Collection Services that XXXX XXXX has taken me to collection for the {$23.00} that had already been paid. I contacted Credit Collection Services on two occasions via their website and I explained and uploaded all of the supporting documents that verified this amount had already been paid. I just received another notice from the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I contacted them after XXXX responded that they verified this information and I was told by the company to contact someone else they dont have the account. How can XXXX say they verified this account and I wrote them and requested verification and they sent an email to contact someone else. If they dont have the account, have any information and cant provide me with proof of this account, my signature establishing that I signed for this account ; how can they report this to my credit repostar?
Product: Debt collection

Yesterday on XX/XX/2024, I received a phone call from IQdata, a debt collector saying that I owe about {$1500.00} early termination fee from an apartment complex I previously lived at. I am sure that the rental company did charge these fees, and that I do owe them, although I did not get notice of these fees and was removed from the portal in which I would pay them, I had paid my portal to {$0.00} prior to moving out, assuming those were my total move out fees. The woman calling me told me that she could put a hold on sending this to collections for 24 hours, so I could figure out how to pay the debt. She told me to pull out a credit card or a loan. I complied and applied for the card, which was approved. I called her back on XX/XX/2024, to tell her and informed that I was approved and could activate the card after it arrived in a week or XXXX to pay this. She said I have till XX/XX/2024 before they send it collections, XXXX total days. It was also mentioned that they work off of the calendar month, not the date of notice. Then she told me to apply for a loan, all of these things pushing me further into debt and affecting my credit score due to her recommendations. I asked why I was never provided with a written notice and why I didn't have the 30 days after being informed that's outlined by the Consumer Financial Protection Bureau. She said that notices had been sent out, yet I have not received them. My address has been forwarded to my new address via the US postal service since my move. I have been told that it doesn't matter if I received the letters for validation or not, I have 5 days to pay it before it is sent to affect my credit.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A.States I have the rights 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 then seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish any information relating to 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

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as EQUIFAX AND XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation.The information can not be accurate pursuant to 15 U.S.Code 1681 A E. in Addition, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please, delete it for good, .XXXX  XXXX XXXX XXXX XXXX still reporting ) AS DELINQUENT, " CHARGE OFF '' YET the account is UNAUTHORIZED even be reporting due to the non written consent by the me the consumer and infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have not authorized this nor should be reporting on my report, these companies are blatantly and fraudulently harassing and defaming my name and character and overall life.
Product: Credit reporting or other personal consumer reports

Experian is reporting information that is misleading and inaccurate that is affecting my ability to obtain housing and employment. I have sent a letter requesting it be removed previously and that it stopped being reported. 

The company is stating that I was charged with XXXX XXXX when in fact I was not. The charge was changed to a XXXX  and I paid fines and had XXXX This is public record and available online at the XXXX XXXX website. 

Record is reported 3 times so employers perceive it is different charges. 

It has prevented me from obtaining housing at XXXX XXXX in XXXX Michigan. It has also affected my ability to gain employment due to it being a XXXX  When I contacted the court they said it was not their responsibility to resolve. They reported accurately in their systems. Contact who is reporting the false information. This incident was almost 15 years ago.
Product: Credit card

Ok there are several things on my card I didnt not do and this girl was staying in the house had access to everything and she used an account number to pay for our bills and I gave her cash she said she had a trust fund she only could use it to pay bills so her half we had to give her the cash to get her half of the money any way she disappears and every thing she made a payment on got returned idk whos account she used or what but now Im responsible for XXXX $ of payments thats was returned to my account and there are transactions Im not familiar with as well I have her name n location n date of birth
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$990.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

While viewing my credit report I noticed unfamiliar account that doesnt belong to me .I understand that before any accounts or information can be furnished to the credit bureaus all information and all accounts must be 100 % accurate verifiable and properly validated I am not disputing the existing but I denied that I am the responsible debtor. I hereby that the account be. Legally, validated or be removed from my credit report immediately. 
There is a outstanding balance of {$31000.00} from credit acceptance corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I have a credit card with a total visa. I have been late with my payments. But I am currently paying down my balance. I am a total of {$200.00} over my credit limit. But with the late feels because I can't pay the full balance to get my account current and below the credit line. I am having a hard time paying down my balance.
Product: Debt collection

I sent the company a letter on XXXX/17 asking the nature of the debt and to please stop calling my coworkers and cell phone. I asked that everything be submitted in writing. I received a call at my office today XXXX. the person refused to identify himself and said that this was regarding my job. The number matched the place that I keep getting phone calls from as well as one letter telling me I have 30 days to dispute the debt. Then at XXXX I got a call on my cell phone and I explained that I did n't want them call me at my cell or my office and this is the 3rd time I have had to tell them, and that I submitted a dispute in writing along with telling them that I did n't want them to contact me by phone. The person on the other end of the phone said " I do n't care about your XXXX letter, " and then hung up. The company is a " law office '' in XXXX, Colorado called Borenstein and Associates the number is XXXX. I have copies of the letter I sent and I have a witness to the phone call in my office.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information 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
Product: Vehicle loan or lease

I want the late payments removed from my credit report. I was effected by covid 19 I've filed several disputes. Gm financial denies it. I also want to pay off the loan for a lower amount. This company XXXX and I'm tired of being threatened by your reps.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TrueAccord regarding Account XXXX, demanding its immediate removal due to misleading and unlawful reporting practices. TrueAccord has a history of engaging in illegal business practices, including debt collection without proper licensing and violations of state regulations. I was never notified by the original creditor or TrueAccord that this account was sold to a third party, raising serious legal concerns about the legitimacy of their claim. Under the Fair Credit Reporting Act ( FCRA ), collection accounts can not report late payments or a past-due status, yet this account is being falsely reported in violation of federal law. Additionally, I have never received proper verification from the original creditor, in which they were already informed that my personal information was compromised in a data breach ( attached ), and a FTC report was filed early last year. Given these violations, I formally demand the immediate removal of this account and written confirmation within 30 days. Failure to comply will result in further legal action, as I will not tolerate the continued damage to my credit due to TrueAccord 's failure to adhere to federal law.
Product: Credit reporting or other personal consumer reports

From XXXX I have been in and out of XXXX  with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX  along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through IdentityTheft.Gov. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.
Product: Credit reporting

I have requested for Transunion to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info.
Product: Credit card or prepaid card

On XX/XX/XXXX my son was in a XXXX XXXX ; resulting in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for verification search # XXXX in your web search engine ). This was immediately on the heels of my employer ( XXXX XXXX ) laying my off while on XXXX/XXXX  for XXXX   XXXX. 

As a result I struggled most of XXXX to keep up with my bills, but I was able to make minimum payments until I was able to get back to work in XX/XX/XXXX. Unfortunately getting back to work did not help much as it required me to work out of state for nearly a year. The added expense meant I was no longer able to make my minimum payments on my Wells Fargo credit card. 

I was making the minimum payments to the best of my ability and requested help with the remaining balance. Instead my account was closed and the debt was sold to a debt collection agency. I now have TWO agencies hurting my credit over their refusal to work with me.