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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Beginning in the XXXX  I received numerous calls from a woman who said she was from Diversified Adjustment Services asking that I return her call. I did not. There was no indication that this involved an attempt to collect a debt or who was the creditor. I then was notified of a debt collection action on my credit report and learned that the creditor was XXXX. The amount of the debt was listed as {$240.00} but increased to {$240.00}. I do not owe XXXX any money. I have attached a letter from XXXX XXXX dated XX/XX/year> stating that it is a revised final bill and indicating that I owe nothing. I have initiated a dispute with each of the 3 credit reporting agencies and provided each a copy of this letter. 
Each credit reporting agency responded that the debt had been verified as accurate. There was no mention of and certainly no explanation of this letter. The letter is determinative. I request that the collection action be deleted from each of my reports and that any company requesting credit information on or after XX/XX/XXXX be advised that the listing of the collection was in error. The collection agency is Diversified Adjustment Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX Thank you
Product: Checking or savings account

Suntrust bank, now becoming Truist, has frozen my savings and checking accounts and have given me no explanation. I have been to the bank and they tell me that I will be getting a letter about my account. 
My son had his account frozen because he is constantly overdrawn. He is a teenager and we are working on him and how to manage his money. My wife is on his account and she is on my account. All the bank will tell me is that my account is frozen, that they are severing their relationship with me and that I will get a letter. I have gotten nothing. I understand them closing my sons account but I have been a great customer, pay my credit card in full each month. I do not understand why they won't tell me what is going on.
Product: Credit card or prepaid card

5/3 recently updated their site to a different format. They removed the section that shows the minimum payment due, most recent payment amount/date, and whether or not this amount has been satisfied with any recent payments. 

This is making it very difficult for me to determine whether or not my recent payment ( s ) have satisfied the minimum payment due and whether or not I might be late on a payment. This has led me to call 5/3 for the past 2 cycles ( once on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX ) and voice this concern. Nothing has been done. 

On XX/XX/XXXX @ approx. XXXX XXXX EDT, 5/3 stated that they will not record my complaint, only forward an email to their Innovation Team. I requested that they escalate the matter, research and resolve it, then re-contact me. This request was denied. 

The agent on XX/XX/XXXX also told me to add my checking account information onto the 5/3 site in the " Make a Payment '' section, stating that this would let me see what I was requesting. In my opinion, it should not be this difficult or obscure to get payment information. Secondly, I prefer to pay this credit card the same way I pay my others : through my personal checking accounts ' online banking. I do n't want to input my account information onto another website. 5/3 telling me that they need non-5/3 payment information just to tell me if I have a payment due, seems ridiculous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXX/XX/XXXX XXXX XXXX, Experian, and XXXX have 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 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 or 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 data is inaccurate.
Product: Credit card

Barclay arrival XXXX card cancelled card with no reason and took over XXXX XXXX points ... 

Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : 1. US Small Bus XX/XX/XXXX 2. US Small bus XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Transunion : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 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, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries from the same company and around the same month or two never applied for some of the items that are listed. Like about 6 capital one bank or any that shows up more than once
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am attempting to refinance my vehicle. In order to refinance the bank, XXXX XXXX XXXX, must run a report through ChexSystems. XXXX XXXX XXXX reported back to me that there was a freeze on my report. I contacted ChexSystems to temporarily lift the freeze. The agent I spoke with stated the freeze was lifted for the set time frame. 


XXXX XXXX XXXX subsequently tried to run a check again and my report still showed a freeze. I contacted ChexSystems once more and they stated the freeze was indeed lifted. From there I opted to permanently remove the freeze, which I did myself via my login for their ( ChexSystems ) website. XXXX XXXX XXXX tried to run the check again, and received the same message regarding a freeze. 


I contacted Chexsystems once more and confirmed, once again, there wasn't a freeze in place, it had been permanently removed, and was also informed that there was nothing they could do to fix the issue. I requested to speak with a supervisor or higher-level manager and was placed on hold, with the call eventually disconnecting. 


I contacted ChexSystems multiple times as listed below : XXXX. ) ( XXXX ) XXXX : a. ) XX/XX/year> at XXXX XXXX EST for XXXX minutes b. ) XX/XX/year> at XXXX XXXX EST for XXXX minutes, XXXX seconds. 


XXXX. ) ( XXXX ) XXXX a. ) XX/XX/year> at XXXX XXXX for XXXX minutes, XXXX seconds. 


Credit reporting agency problem is with : Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I submitted FTC complaint about being an identity theft victim. Please remove these unauthorized inquiries from my credit report. 
XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TRANSUNION INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Clear Recovery , IncXXXX ( hereafter CLEAR ) is a collection company representing XXXX  XXXX XXXX ( XXXX ) located in XXXX XXXX, Texas. 

CLEAR first phoned me a couple of months ago and alleged that I owe a debt to XXXX. I told them I have no credit account with XXXX, nor have I ever purchased anything from XXXX on credit and demanded that they immediately provide me proof of debt. 

A receipt was sent to me from CLEAR that included a sales receipt from XXXX. This unsigned sales ticket reflected an alleged digital camera being shipped to me in XX/XX/XXXX and showed XXXX dollars ( {$0.00} ) being paid or due, as a result of a store credit I had on record. Although I did order a digital camera from XXXX, utilizing a store credit I was given, from a previous warranty claim for defective furniture I purchased for cash, the camera was never received by me. 

Assuming I did receive a digital camera for a store credit owed to me for approximately {$920.00}, I owe nothing to XXXX, as this was a store credit and not a credit transaction. However, notwithstanding the fact I did not receive the digital camera on a store credit, I am the actual person due monies from XXXX and not the other way around. 

The facts and evidence provided by CLEAR and XXXX are as follows : 1. No credit transaction ever occurred between XXXX and myself. 
2. No credit application, credit account or invoices due exist in writing. 
3. Evidence from CLEAR shows no signature and/or promise to pay any monies, and furthermore shows a XXXX balance was due at the time of the ordered merchandise. Therefore, even had I received the merchandise equal to the store credit, no credit instrument was issued, agreed to and/or is due. 

On XX/XX/XXXX, I received yet another telephone call from CLEAR. I informed them that I received their Proof of Debt and it was nothing but an unsigned sales receipt showing a XXXX balance owed for merchandise I never received, using a store credit still due me. Moreover, I asked when I might expect payment for my store credit that is owed to me. The representative stated, You got the proof and you know you owe us money!. I told her I would take this matter to court to collect the monies owed me.
Product: Credit reporting or other personal consumer reports

since XX/XX/XXXX, and every month their after I have sent dispute letters to the credit bureaus attaching personal identification to those letters which included an id, social and a utility bill. Asking them to validate and verify the accounts they have inaccuracies of. Which was not done on any occasion. I was never given a letter or response to the matters at hand. 


Also look at account XXXX - XXXX that should have already been deleted. 

I am writing to demand the immediate and permanent deletion of the following account, which has been deleted multiple times in response to my previous disputes but continues to be reinserted onto my credit report without proper notification or validation. This repeated reinsertion violates federal laws governing the accuracy and handling of consumer credit data. 

Violations and Discrepancies : Repeated Reinsertion Without Notification : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ], an account that has been deleted can not be reinserted into a credit report unless verified, with written notification sent to the consumer within XXXX business days. I have received no such notice, making this reinsertion unlawful. 

XXXX. Inconsistent Account Details Across Bureaus : Account Numbers differ between XXXX and Experian reports. Date Opened discrepancies exist between XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
XXXX XXXX discrepancies show {$0.00} on XXXX but {$750.00} on Experian and XXXX. 
High Credit discrepancies show {$1100.00} on XXXX and XXXX but {$0.00} on Experian. 
These inaccuracies violate FCRA, Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure the maximum possible accuracy of the data they report. 
XXXX. Failure to Validate the Account : Despite my disputes, no proper validation of this account has been provided, violating FCRA, Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], which obligates credit reporting agencies to provide accurate and complete information about the disputed XXXX. XXXX of XXXX item. Contradictory and Inconsistent Reporting : Date Last Active varies significantly across reports : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment History is inconsistent across bureaus, with XXXX showing XXXX delinquencies at XXXX  months, Experian at XXXX  months, and XXXX at XXXX  months. 
Such contradictions further breach the FCRA, Section 607 ( b ) requirement for accuracy.
Product: Money transfer, virtual currency, or money service

Hi! My Paypal account has been permanently limited without any reason and I am unable to get help from their customer service team as they are unable to help regarding account restoration. I just created my account a few weeks ago and upgraded it to business and it was limited right away. I have not broken any of the user agreements or done anything wrong. Please investigate this case and help me to get my account back. 
My PayPal email : XXXX XXXX
Product: Checking or savings account

Serious issues, opening an account, closing an account, managing account, Problems caused by low funds in the account, problems with lender, charging the account, fraudulent charges, fraudulent individuals removing funds from my account over multiple accounts, problems with XXXX XXXX and report because of account, Issues over multiple accounts delayed transactions, lack of a presence of transactions that took place, hold on credit accounts because of delayed or frozen accounts, lack of information from banking company, Problems Making or receiving payments, Banking errors, Cashing a check, using ATM or debit card problems, Problems with funds being dispersed, and used in the way that I specified, problems accessing account, extreme issues with transactions being posted, extreme issues with delayed payments of accounts, complete lack of communication regarding accounts, Lack of publication of the state of multiple accounts and credit accounts, overdrafting fees, and charges to credit accounts, no communication from banking entity at all, complete closure of accounts without my knowledge or communication of closure of accounts. 

This problem is over Chase Bank and possibly multiple subsidiaries of Chase, including their credit card sector and personal banking sector in the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to request once more to delete the fraudulent items you report on my Credit File. I truly appreciate the efoort and time you have spent on removing some of the items I requested for you to remove. But upon inspecting my updated Credit Report, I noticed that some of the items I previously requested to be removed are still being reported on my Credit File. I sent a dispute letter to you last XX/XX/XXXX, requesting that you take another look into my Credit File and have the disputed items removed as soon as possible. Once again, please remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Inaccurate Personal Information are obviously not mine as well as these inquiries are not familiar with me. Under the Fair Credit Reporting Act section 605b, please remove the remaining fraudulent items from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DIAZ & ASSOCIATES , INC. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

MR COOPER IS PUTTING ME AND MY FAMILY IN XXXX WAY REFUSING TO : XXXX .APPLY MY {$930.00} LOCATED IN THEIR SUSPENSE ACCOUNT TO MY ARREARS, XXXX. REFUSING TO APPLY MY WIRED {$6500.00} TO MY ESCROW SHORTAGE VIOLATING FEDERAL AND XXXX XXXX LAWS, XXXX. I HAVE BEEN SENDING MY APPLICATION FOR TRIAL MODIFICATION BACK AND FORTH FOR OVER XXXX  YEARS OR MORE AND MY ACCOUNT IS ON HOLD AND NEVER SENT NTO XXXX  FOR FORECLOSURE STILL, THEY CHARGED ME FRAUD LEGAL FEES LENDER PAID EXPENSES TOTALING {$5500.00} AND THEY REFUSE TO DELETE THE FAKE FEES. PLEASE HELP. 
SINCERELY, XXXX XXXX XXXX  WITH HONORS
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX Dear sir, Regarding the review toward the reports submitted to CFPB on XX/XX/year> and XX/XX/year>, I would like to submit the same documents which I sent to your office ; the copies of drivers license and identity theft report submitted to the Federal Trade Commission XXXX As I did same thing in the previous letters, I would like you to make sure that your company had added the extended fraud alert. And, as you stated in the review, I would like you to add security freeze to make certain my identity will not be stolen again in the United States and beyond, as a person who has the credit card account and bank account outside of the United States. 

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

I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX XXXX XXXX from XXXX, the other is XXXX XXXX XXXX  from XX/XX/XXXX, and the other account is fnbo from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc report.