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

I am writing to formally lodge a complaint regarding the ongoing and unresolved inaccuracies on my credit report. Despite multiple attempts to correct the late open accounts that are erroneously being reported, these inaccuracies continue to adversely affect my creditworthiness and financial standing. 

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have diligently followed the prescribed procedures to dispute and rectify these inaccuracies, including providing supporting documentation and evidence of the inaccuracies. 

The following actions were taken in my attempt to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I provided all necessary documentation to support my claim, including proof of timely payments and communication with the creditors in question. 

After not receiving a resolution or update on my dispute, I followed up on the status of my case, during which I was informed that the investigation was still ongoing. 

Subsequently, I filed additional disputes, each time reiterating my concerns and providing any supplementary evidence requested. 

I have made numerous attempts to contact your agency 's customer service department via phone and email to inquire about the status of my dispute, without receiving a satisfactory response. 

Despite my extensive efforts to rectify this matter, the late open accounts remain on my credit report, inaccurately reflecting my credit history and negatively impacting my financial prospects. 

I understand the importance of accurate credit reporting, and I believe that your agency has a responsibility to ensure the correctness and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited reexamination of the late open accounts on my credit report.

Immediate correction of the inaccuracies by removing the late open accounts from my credit report. 

A detailed written response outlining the results of the investigation and the actions taken to rectify my credit report. 

Assurance that measures will be implemented to prevent future occurrences of such inaccuracies. 

I expect a swift and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be satisfactorily addressed, I may be compelled to pursue legal remedies to resolve this matter. I am asking for your help to correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally dispute inaccuracies I have found on my credit report. After carefully reviewing my credit history, I have identified incorrect balance discrepancies. I kindly request that you investigate and correct these errors as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and resolve this matter within 30 days. I appreciate your prompt attention to this matter and trust that this will be handled efficiently. 

The specific section of the FDCPA at issue is 15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

Thank you for your assistance in fixing this matter. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a ''Premium Rewards '' from BMO on XX/XX/XXXX, a year and couple of months after after I requested an annual fee waiver on XX/XX/XXXX, they changed my card to ''Platinum Rewards ''. The new card showed up at my mailbox with a booklet explaining that I can get XXXX points by spending {$2000.00} in the first 3 months of receiving the card. I qualified for the bonus on XX/XX/XXXX ( transaction of worth {$2000.00} ), but never received the promised points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is not the dentist I go to I have been going to the same dentist for the last 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX Account name : XXXX  XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a mens suit at XXXX XXXX XXXX. I paid for it in full and left it there for alterations. The bill I have shows an additional charge for alterations and it was to be shipped to me.I never received it so I called American Express on XX/XX/XXXX to dispute the charge since I paid for it in full with my AMEX card. They credited my account. They gave me a reference # XXXX and then sent me a letter saying they reversed their decision. Since there was not an explanation why I called them again and also sent letter explaining it once again they credited it again and then reversed it again. Today XX/XX/XXXX I have spent 5 hours so far trying to resolve this. I have asked AMEX repeatedly to tell me who they are communicating with and what documents they have and if they have been provided any proof that I received the suit. I have not been able to contact the Vendor because the have closed and have declared Bankruptcy. Which raises the question who did AMEX pay and why did they pay it.Clearly I can not hold XXXX  responsible and the Judge for the XXXX District of XXXX XXXX is not going to be interested in hearing from me. The XXXX  can not offer any help so I need to enlist your help in resolving this situation since AMEX has not been helpful at all. Thank you.
Product: Debt collection

" if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. 

I know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. 

All I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ( listed twice with XXXX different balance ) has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make consumer report containing any of the following items on 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a 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

Late payments thats shouldnt be on my consumer report according to 15 U.S. Code 1681a illegal to report late payments
Product: Credit reporting or other personal consumer reports

I filed a dispute in XXXX, they did not take the additional charge off off the account reporting history the account was closed in XXXX. It can not be charged off after it's been closed from my understanding and it definitely can't be charged off more than once. Then I filed two separate disputes and XXXX  one of the disputes added 30 additional charge-offs after the account was closed for the same account in the same Credit Reporting Agency which is Experian this has not happened with any other credit reporting agency only Experian
Product: Debt collection

This is showing up on my credit report with all 3 agencies. They are verifying the information when I dispute it with the agencies but they are not providing me with the original statement and my signature for whatever this amount owed is. My suspicion is fraud since this isnt my debt.
Product: Debt collection

On my move out date I had the property manager do a walk through of my apartment and sign a form stating that there was no damage. I should not have to owe any money for property damage.
Product: Debt collection

American Express National Bank and XXXX XXXX XXXX XXXX XXXX, without notice, filed a lawsuit against me in a state where I do not live and repeatedly contacted me to collect money.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Product: Credit card

I called Sams Club Credit card ahead of time to let them know we would be making large charges followed by large payments for work being done on a major project. It was ok at first until this week. My credit limit is over {$14000.00}. A payment was made of {$11000.00}, left my bank checking account via XXXX on XX/XX/XXXX and POSTED on the Sam 's account with Synchrony Bank on XX/XX/XXXX. The balance was updated, but the available credit was not. I called and was told that the available would not be updated until XXXX!! We did this for convenience purposes because the work is being done out of town, not local to us. This will cause my project to stall for XXXX days! I have been with Sam 's since XXXX, always paid on time and have an excellent credit history. How can they withhold my available credit when the money clearly was there or the XXXX would not have cleared. This can not be legal to withhold my available credit just because they don't trust my payment source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on the credit bureaus on XX/XX/22 requesting the credit bureaus to remove the bankruptcy reporting on my credit profile. I know for a fact that the courts do not communicate with the credit bureaus so how are they able to verify this as accurate. They are reporting unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting a total of 6 missed payments that are not correct, Also Equifax fhows 6 missed payments but XXXX shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect  missed payments reporting.
Product: Credit reporting

AgencyXXXX reported incorrect public information on a background check related to my drivers license. Disputed the claim with the AgencyXXXX. AgencyXXXX merely verified that the information they obtained, thru reporting agencyXXXX was identical. AgencyXXXX did not require AgencyXXXX to verify the information supplied. AgencyXXXX referred me to AgencyXXXX to dispute the issue. AgencyXXXX required additional paperwork, and 30 days to investigate. I have referred AgencyXXXX to the public source of the information which has a public portal / direct access to the info. Information ignored. By having this layering of supplying agencies, disputes are never truly investigated back to the source.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) protects consumers by regulating how credit reporting agencies ( CRAs ) collect and use personal information. CRAs include credit bureaus, medical information companies, and tenant screening services. The FCRA also gives consumers certain rights, such as : Limited access Only people or companies with a specific purpose can access your credit report. 
Dispute resolution Credit bureaus must investigate disputed information and correct or delete inaccurate information within 30 days. 
Free copies You are entitled to at least one free copy of your credit report each year.

Data security CRAs must follow " reasonable procedures '' to protect the confidentiality of your information. This includes data security, use limitations, and requirements for data destruction.

Notification You have the right to be notified if a financial institution plans to submit negative information to a CRA. 15 usc 1692g dispute debt claim 15 usc 1692a-n fair debt collection act. Privacy Act of 1974. 18 usc 241 rights under color of the law.TILA LAW -This law requires a creditor to disclose certain information in writing regarding the terms of a credit transaction. The two main types of TILA violations that can provide relief to borrowers when a creditor doesn't adhere to the law are violations for damages and violations that allow rescission. Which I have rescinded this contract and my signature if there is 1 I didn't sign it the company forge my signature.
Product: Debt collection

Since XXXX/XXXX/16, I 've received XXXX phone calls, which I immediately am hung up on, from Halstead Financial Services. I 've called the numbers back 3 times to be removed, as I do not have any outstanding debt or accounts with this company. I 've called the toll free number on their website and advised to cease contact, and each time was ensured that it would require 2 business days to be removed from their system. My last communication with Halstead Financials Services was through a complaint portal on their website on XXXX/XXXX/16. Since that submittal, I 've received an additional 4 phone calls from them. 

They call from these phone numbers : XXXX XXXX XXXX XXXX If necessary, I can also provide the dates and times of each of the calls, as well as, the dates and times I contacted them to have my number removed.
Product: Money transfer, virtual currency, or money service

Hello CFPB, My PayPal Account was limited for no reason and told me they would be holding my money for 180 days ( XX/XX/2021 ). Its now XX/XX/2021 and 180 days has already passed. I have multiple accounts with PayPal and sadly they are still holding my money despite telling me I could withdraw my funds after 180 days. They also sent me an email I could now withdraw the funds but won't let me add a bank account to transfer them. PayPal Accounts/Email seen below : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX in XX/XX/XXXX to have them report a credit card in good standing that was not listed on a credit report. I mentioned that I was discharged from bankruptcy in XX/XX/XXXX but this account was not included in my bankruptcy and should remain open and therefore appear on my credit report. XXXX XXXXXXXX muisunderstood and contacted all credit bureaus and asked them to remove the account from the credit report. This is opposite of what I wanted. This also closed my credit card which is not what I wanted. 

In XX/XX/XXXX, I contacted XXXX XXXX to request that they report a credit card in good standing that was missing from my credit report. I explained that I was discharged from bankruptcy on XXXX, but this credit card account was not included in the bankruptcy and remained open. Unfortunately, XXXX XXXX misunderstood my request and instructed all credit bureaus to remove the account from my credit report, which is the opposite of what I wanted. As a result, my credit card was also closed, which was not my intention.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have some Fruad inquiries on my credit report I have listed the inquiries and supporting documents below. 



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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USCsections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting

I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX XX/XX/2017 XXXX no action was taken
Product: Credit reporting or other personal consumer reports

My credit report contains mixed information, showing accounts that are not mine and clearly belong to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit score with XXXX and XXXX, but nothing from TransUnion.
Product: Credit reporting or other personal consumer reports

XXXX charged an expired credit card of mine and I have a delinquency on my report because of it. Their response was that because a new card was sent to me, it did not matter that the card was expired because the account was active still. However, the companies policy on their website clearly states When credit cards expire, they're no longer usable. If you try to pay with an expired credit card, your transaction may be declined.

Typically, your credit card issuer will proactively send you a new card before your old card 's expiration date. When you have it, you should activate your new credit card and update any accounts or automatic payments that use your expired card 's information. 
Otherwise, a recurring payment with your expired credit card information won't go through. The link to this information can be found here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

There is nowhere in that paragraph that states the account must be closed. It is very clear that expired cards will not be charged. It is in my opinion that this violates the truth in lending act. I have sent them this information, but they have interpreted the language differently thus making their policy on the website provided to their customers quite deceiving. The charges on my card should have never went through, and I would like the delinquencies removed from my credit report. This is an error on XXXX behalf, and I would like them to fix this problem. I should have XXXX delinquencies on my credit report.