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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 70 days, therefore these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused. My information was also impacted by the Equifax data breach and may have ended up in the hands of the wrong people.
Product: Money transfer, virtual currency, or money service

Had transfered monet via XXXX and had given more than I had meant to a friend. XXXX was refusing to transfer the funds back despite both of the XXXX  users trying to confirm a transfer. No help was given from XXXX so a dispute was made via Wells Fargo. They have denied the claim with no final resolution letter that is required per their agreement. I believe that there has been no proper review made and would like a refund or at least a properly done review
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts.

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of identity theft, my personal information went to wrong hands and as a result I have gotten a numerous hard inquires that I never authorized. I have filed FTC report and included in this complaint. I never received any money or goods of these fraud items/ hard inquires. I never authorized none of these items. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires that I have never authorized : XXXX XXXXXXXX Auto Loans XX/XX/XXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX Miscellaneous Automotive XX/XX/XXXX XXXX XXXXXXXX Auto Loans XX/XX/XXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these hard inquiries from my credit report immediately.
Product: Debt collection

Rausch Strum LLP is the debt collector for XXXX XXXX XXXX. 
Statement says as of XX/XX/2014 i owed {$2500.00} Between then and today i was charged {$1300.00} i paid and was credited {$3100.00} and now saying i Owe {$780.00} Oklahoma state law for statute of limitations on any debt is 5 years this account is 7yrs and almost 9 months old coming on 8yrs. I would like this debt collection removed from my credit report and to not be contacted further.
Product: Debt collection

The debt collection company claims that just because XXXX sent statements that constitutedba legitimate claim against me. This is not a true statement. I dispute the bill no matter how many times they sent it. I also take issue with CFPB closing this case early. CFPB claims i had until XX/XX/23 before this would be closed yet CFPB closed this case before XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many many times explaining to TransUnion and speaking with the special handling department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.
Product: Credit card

. XX/XX/XXXX. I found two attempts to make a withdrawal of {$940.00}. I then received an email that Avant blocked my account. I attempted to access my account to see how much I owed, but I could not get into it. I called customer service, and they tried to verify me through my address. When I gave them my current address, where I have been since XX/XX/XXXX, they said that wasn't the address on file. 
I found that someone else had changed my account address. The Avant Web bank is located in Utah. I saw on my credit report that the address changed was also in Utah. There have been several fraudulent charges on Avant that I did not make. The fraudulent charges were made on a card that I did not use, nor give permission for the charges. I have requested a new card four times, but have yet to receive a new card as of Tuesday, XX/XX/XXXX. I have asked that an investigation be initiated, they have not done that yet, but there is a fraudulent charge of almost {$750.00} because they have not done their job of investigating and resolving my problem. I am 60+ days past due, and I owe {$330.00}, I can't pay a bill that I am not responsible for. I also feel like I am being extorted for the past due payment. 
I feel that another class action lawsuit should be initiated and that more fines should be imposed since they are severely jeopardizing people 's credit. They are also asking for people 's IDs, which could be used for other fraudulent purposes.
Product: Credit card or prepaid card

I called Comenity bank to get assistance with MY bj 's Credit card. An associate during that call offered me a XXXX payment plan for my hardship and my high balance. at the end of the almost hour call after payments were scheduled the associate informed me, she made an error and that there was no such program available. I was perplexed and asked to speak with a supervisor at that time she hung up on me. I have tried to set up a payment plan for months- the three months plan they offer is extremely high and I am unable to do it. In response to being offered the XXXX program then being hung up on. I filled XXXX  complaint and in response I received a nasty letter from the company with many inconsistencies, such as stating my card isnt closed but I was told verbally, and my credit reports shows the card was closed by the bank.
Product: Debt collection

This company has inaccurate information. I would like full validation of this account which was prior requested and nothing received. I want to see the initial signed contract, full list of every payment made, etc. They have failed to provide so now I am asking your agency to help.
Product: Credit card or prepaid card

The card company sent an offer for {$150.00} reward points if {$500.00} is spent within 3 months of the card being issued. I applied onXX/XX/XXXX and received the card and activated it onXX/XX/XXXX. I then used the card on XX/XX/XXXX for a total of {$510.00} meeting the requirement for the rewards. After receiving my statement and calling their customer service to have the points applied to my card balance, I was told they could not do so as they had a fraud alert on the account. Noone could tell me why. They asked me to send documents to establish who I was, which I did until they asked for copy of my social security card. I had already sent copy of a utility bill and drivers license, but have been told to never give copy of the SS card except to medical etc. I was told then that I couldn't even use the card, even though no one had ever reached out to me about that. One of the people I talked to agreed that since I couldn't use the card, the account should be closed, but said he would apply the points before closing. That didn't happen and now they say they can't apply the points because the account is closed. Their statement shows {$150.00} in points I want per the card agreement.
Product: Debt collection

To Whom it may concern, This is a debt from a credit card from XXXX XXXX Nevada for {$2700.00}. This debt is in collection with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX a Judgment was place for XXXX XXXX. 
I was notify on XX/XX/XXXX to attend court on XX/XX/XXXX The following information was provided by XXXX XXXX employee by phone number XXXX to me on XX/XX/XXXX and another employee by phone number XXXX on XX/XX/XXXX, for dates and after asking XXXX about statue of limitation XX/XX/XXXX she refuse to talk further. 
This credit card was open XX/XX/XXXX and was last paid on XX/XX/XXXX and went to collections XX/XX/XXXX. XXXX XXXX file suit and acquire a Judgments after breaking law against me on XX/XX/XXXX. 
The statue of limitations on this credit card debt has expired on XX/XX/XXXX. Effective on this date the debt is time-barred and debt collectors can no longer sue debtors over the unpaid debt. XXXX XXXX violated the federal Fair Debt Collection Practices Act ( FDCPA ) and the Utah Fair Debt Collection Practices Act by seeking a Judgments on XX/XX/XXXX and XXXX XXXX willfully failed by not adhering to the Utah Fair Debt Collection Practices Act 12-1-8 Designating and limiting activities as to assignments by failing to follow 12-1-8 at the direction of the assignor bring suit as assignee, provided however, that all accounts shall be within the statute of limitations as provided by law. 
Now 2 years later on this day to continue to seek payment for a expired statue of limitation credit card and after breaking laws to get a judgment and still after breaking the law by using this judgment to which should have never gotten. 
Sincerely,
Product: Debt collection

I originally contacted   XXXX   XXXX   @  XXXX   XXXX  about the bill when I first received the bill around  XXXX   XXXX  and advised her that I went in for an   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  and rep stated she had to research the codes she called me back and stated coders stated the codes were right and gave me a  XXXX  NC address to mail a complaint. I mailed the complaint and never got a response until I received a collection letter fro m Bull City and I sent them a letter about insurance not being filed and disputed charges. The next notification I received was the charges on my credit report. I 've attached proof of insurance coverage. I resubmitted validation again to Bull City ba ck in  XXXX   XXXX  and they sent my a privacy notice I signed back on  XXXX / XXXX / XXXX  which I acknowledge and my insurance paid for that date no information for  XXXX / XXXX / XXXX . Information of my dates of services with  XXXX  codes are listed on the forms that was sent to me b y Bull City which violates HIPPA and there  was n't any insurance billed for  XXXX   XXXX ,  XXXX  request again On  XXXX   XXXX ,  XXXX  I went in for an   XXXX   XXXX   which is covered 100 % by my insurance. I would never go to a physician to pay full price for a visit and not have insurance billed.
Product: Checking or savings account

I've been having problem with Bank of America for a little while now with the same issue, hold being put on deposited check with no consistent explanation, and none that makes sense. 

I deposited a check for {$42000.00} on Tuesday, XX/XX/XXXX at the cashier at the bank. I was told that the funds would be available next day. For reasons still to be explained the money was put on hold. Nobody can inform me why and for how long. I've checked with the vendor and the money has already cleared their account. I have eleven subcontractors waiting to be paid, items are being returned and fees being accessed at my other account because our money is nowhere to be found. I have experienced the same problem over and over for the last five months. Every time they have a different explanation, account have on the red for the last month, low daily balance, number of overdraft fees accessed for the last 12 months, and list of excuses goes on and on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 TransUnion Subject : Dispute Regarding Willful Non-Compliance with Compliance Standards Dear TransUnion, I am writing to formally dispute information on my credit report regarding willful non-compliance with compliance standards. Upon reviewing my credit report, I discovered inaccuracies and discrepancies that are negatively impacting my creditworthiness and financial standing. 

These inaccuracies are not only damaging my credit score but also potentially violating consumer protection laws and compliance standards. I request that you conduct a thorough investigation into these matters and provide a prompt resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I expect you to take immediate action to rectify these errors and update my credit report accordingly. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. You may contact me at the above-listed contact information if you require any further clarification or documentation. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

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

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX credit card, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information.

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. 

XXXX did not conduct an investigation, contact myself, contact thirdparties, or review underlying Account information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute.

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by Barlcays rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX Accounts to third parties.
Product: Money transfer, virtual currency, or money service

My account was frozen, all my XXXX XXXX asset was taken from my account by Kraken after I made a deposit with the amount, Im losing money because Im not able to sell my UST for market price. Customer service not replying to emails, agents who answer phone calls have no clue. An extremely serious disaster.
Product: Debt collection

Im XXXX XXXX, I would like to know what happened because I already paid the money they are charging me!
Product: Credit card or prepaid card

RE # XXXX C F P B : PLEASE HELP i MADE THIS FILING AT LEAST 8 TIMES SINCE XX/XX/2022! 
Each time Capital CLOSES it saying duplicate but NEVER resolved issue with a letter to me PLEASE URGE CAPITAL TO ISSUE RESOLUTION LETTER instead closing without word as duplicate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit card

discover request tax documents due to routine identity verification. 

called into discover to get this issue immediately resolved as to i dont file taxes, was told to file a form at the local bank and have notarized, i was sent the form, and i saw where there was only ONE SPOT TO ENTER ONE ACCOUNT. and i explained i have TWO WITH THE SAME BANK. and was told to just combine and upload both statements. 


which i did. 


i was then told that the paper the bank filed out was improper to have it resubmitted, and i did this, now the second time, and i uploaded my statements again! now XXXX bank statements which clearly back my verification of income and identity, than i was told that the employee that told me this information about combining accounts was incorrect and that i was now out of time and my account was to set to be closed but i could go to the bank OR A UPS STORE NOW FOR THE third time and just upload XXXX set of bank statements for XXXX account. which i did. 


now my account is closed and getting no help
Product: Debt collection

I had a collections debt from Midland Funding LLC, in the amount {$1000.00}. The debt was settled and paid on XX/XX/2019. Between XX/XX/2019 and XX/XX/2019, MIDLAND FUNDING LLC collections account was removed from my credit report. Between XX/XX/2019 and XX/XX/2019, the debt was added back to my report. The collection agency is MIDLAND FUNDING LLC. The original creditor was XXXX BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX