23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

All items were already removed expect these last accounts uploaded
Product: Debt collection

I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency ( Transworld Systems Inc. ) contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.
Product: Debt collection

I asked TransFinancial to give me information on the debt. 
I have XXXX XXXX insurance They have never informed me that I owe {$1800.00} I do not know what is about or how could I owe this amount with insurance The insurance is with my husband 's job and insurance was in his name If I knew what this debt was about, I can probably dispute it with the hospital I was hospitalized on XX/XX/year> when my son died but how do I know this is the same bill for the services rendered to me for my XXXX ( doctors called it XXXX XXXX syndrome ) I stayed overnight but without this company telling me it's for that episode, I have no way of knowing
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

They completely ignored my concerns.
Product: Checking or savings account

I opened a savings account with Discover Bank in XX/XX/2022. Their webpage ( https : XXXX? XXXX ) says that I can get {$150.00} bonus after depositing {$15000.00}. I deposited {$15000.00} right after opening the account. However, I still have not received the bonus. I contacted the bank and asked for the bonus. They in turn asked me to provide the promotion code. I was confused because my understanding was that the offer wass public and should not require a code. When I opened the aforementioned webpage again, I found a code inside a big paragraph of text in small font. I asked them to apply the code I found, but they said the code was not valid for my account. I am very frustrated with their behavior. By hiding the promo code in a big paragraph, they are essentially denying any customer who did not find the code of the bonus. This is a very unfair and misleading practice. A screenshot of the current webpage is attached and anyone can tell that the code is hard to find. I believe all their customers who opened the account through the advertising page, myself included, deserve the advertisied bonus regardless of whether or not they have included the promo code in the account opening process.
Product: Prepaid card

Amex prepaid gift card # XXXX I'm having trouble using my card ; it gets declined every time I try to make a transaction. I don't get declined all the time but XXXX out of XXXX times, it gets declined at the various places.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the credit bureau in XX/XX/2022 and XX/XX/2022 to perform a full " Investigation on every piece of information '' on the account listed by XXXX XXXX XXXX XXXX, which is account number XXXX. 

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account is still not reporting 100 % Accurately. And, according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX XXXX under the account number ( private ), an an Charge account opened at XXXX on XXXX XXXX under the account number ( private ), a personal auto loan account opened at TXXXX XXXX XXXX on XXXX XXXX under the account number ( private ), and a secured loan account opened at a secured loan account opened at XXXX XXXX XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to
Product: Bank account or service

I have Chase Bank as my Bank.I a bill with a check for that insitution, I called the bank to inform them if they could reserach the check i wrote for the amount of {$88.00}, becuase i could n't recall what it was for or to whom it was written out too.Their representive informed me that they would do that, and call me back as what they found out.They also stated that i file a claim, so i asked them to please do so, and get back in toch with me.Instead they put a stop to the check, while all along i though the check went thru to whom i wrote the check too.Well i found out thru the company that the wrote the check to, had charge me a {$50.00} return fee because the bank had put a stop on the check. I never authorized the bank to put a stop on the check, just to research the claim.So i ask the bank to please reinburst me for the {$50.00} that i was charge, because they put a stop on the check.I WAS TOLD NO, by there customer service rep. would you for you to please research my complaint.
Product: Credit reporting or other personal consumer reports

You have the incorrect information reporting and you have failed to update it. As seen on my XXXX & XXXX report compared to yours I have 0 late payments with this company in fact I paid the loan off early! I asked you over 90 days to update it and you didn't. That's AGAGINST the law. Update the account now please : XXXX XXXX XXXX XXXX All months on time See attached
Product: Debt collection

This happened in XXXX of XXXX. 

So I signed a lease at XXXX on XXXX in XXXX XXXX. Before I put any deposit money down, or any rent of any kind, my financial situation changed because of COVID-19 and I informed them I was no longer able to afford to pay rent. They told me I had to pay to get out of my lease and find someone to take over my lease ( which hadn't even be legally started ) I hadn't put any money down and couldn't afford to pay their fee. I contacted them and they told me " tough luck ''. I didn't pay and didn't move in. I started to get aggressive phone calls and emails about how I needed to pay a sizeable amount of money or otherwise I would be evicted ( once again, I never moved it, never put a deposit down, and also they legally couldn't evict me even if they wanted to because of a COVID-19 eviction moratorium in place ). They sent me a notice through e-mail saying I had been evicted and to return any keys ( didn't have any keys as I never moved in ). Then they got a collector to try to collect {$10000.00} from me. The collectors called me repeatedly and when I finally picked up the phone and explained the situation to them, they laughed at me on the phone and said " good luck with trying to get out of it '' even though I had never moved, never put down any kind of payment, and now I was being demeaned by a collector. The collector has been adding more money to what I owe them on my credit report and they're trying to scam me for a debt I legally do not owe.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Delete Unverifiable Account Based on XXXX Deletion Dear [ EQUIFAX ], I am writing to formally request the removal of an account from my credit report that has been proven unverifiable. Specifically, the account in question is a {$26000.00} XXXX XXXX XXXX charge-off Account : XXXX that was reported inaccurately. I disputed this account on my XXXX secondary credit report, and after completing their investigation on XX/XX/year>, XXXX confirmed that the account was unverifiable and deleted it entirely from their records. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( Reinvestigation of Disputed Information ), credit reporting agencies are required to conduct a reasonable investigation upon dispute. If an account can not be verified, it must be deleted. XXXX deletion of this account indicates that the information can not be substantiated. Therefore, you are now obligated to take the same action. 
Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure maximum possible accuracy in credit reporting. Reporting unverifiable information violates this obligation. Please remove the XXXX XXXX XXXX account from my credit report within 30 days of receiving this letter. 

If you fail to remove the unverifiable account within the specified timeline, I am prepared to take further action to protect my rights under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. As outlined in 15 U.S. Code 1681n and 1681o, I have the right to sue for damages resulting from willful or negligent noncompliance with the FCRA, including statutory and punitive damages. 

Please provide a written confirmation once the account has been deleted. I look forward to your swift resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submiting you this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ), TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Unauthorized charge went through and vendor sent product which was returned for refund. Vendor did not refund and I disputed the charge. Both bank and vendor have refused to cooperate. Vendor insists bank must be on the line ( but they hang up when bank announces attendance ) Bank says the matter is closed and refuses to communicate with me. This has been ongoing since XXXX XXXX XXXX, and I am hoping your intervention will resolve this matter. Thank you
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDENCE RESOURCE MANAGE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion along with XXXX and XXXX  are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, each year I have so much trouble with the credit reporting agencys said because of XXXX Lacking customer service online services and no live customer service I have spent hours trying to navagate+dispute errors and recieve my free credit reports without haveing and forced to buy their credit moniotoring services to get my credit reports.I know XXXX did not raise my credit score at all while I repaired my credit from XXXX to current XXXX. XXXX has caused me undue stress, kept my scores down while other reports raised as bad debt was lifted.And offer a credit boost but does not have any of the credit unions I was a member at to utilize my monthly paid utilities on time.Plus I have never obtained one free or purchased credit report when ordered all they give is access to the web.Now I am in court with XXXX  XXXX XXXX XXXX when XXXX bought the debt and I was not allowed to dipute with XXXX at all from XXXX XXXX XXXX and now its XXXX and I am unable to dispute fraudulently created XXXX XXXXWith Transunion or any other reporting agency.Something like a third party attches to my access and keeps me from sumitting my requests. 

It has been a ridiculous time consumeing and to have to struggeled with XXXX XXXX XXXX XXXX XXXX. agencies forced to use their web sites. Then keep the consumer from logging in, from provideing statements kept from disputes kept from Security Freeze lifts ( he web sites are impossible to get a credit report mailed to your home address.I do not feel I should have to pay for my free annual credit report.Or have to find somewhere to print a pdf credit report I bought a home Last XXXX and MY credit scores never moved at all from XXXX  after I resolved multiple bad credit reports.My score stayed at XXXX while transunion sored to XXXX.And now I have fraud.I was notified by XXXX  XXXX my credit scores have been decreasing.Thru XXXX XXXX I saw someone opened a XXXX credit card.On the Transunion reporting site.I have not been able to submitt any statements or disputes due to Covid19 excuses and lack of customer service provision unless I write and wait 30 days is what it took me to aquire credit reports in XXXXand these credit reporting agencies hold consumers hostage and exspect them to buy a service from them to review or dispute and item. they carry on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some personal information on my consumer report that I have no knowledge off and i would like the personal information removed, See attachments
Product: Credit reporting or other personal consumer reports

Dear FORD CREDIT, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : FORD CREDIT, XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX I have file a report and compliant with FTC and XXXX Police XXXX.
Product: Prepaid card

I was advised by rushcard of an update on XX/XX/XXXX between XXXX and XXXX XXXX. At XXXX XXXX that day i got an email stating it was taking longer than expected but would be up at XXXX. At that time, i was able to use my card, however my balance was not updating. my direct deposit was scheduled to hit both tuesday and wednesday, my balance still does not reflect that. i have no money to pay my rent, or feed my daughter. i need my money ASAP
Product: Checking or savings account

I received an email from my bank telling me my checking account where I received my SSI benefits only has been put on hold due to a legal document from a debt collector and they must comply I received in the mail a letter from the sheriff of Passaic county and in the letter it clearly states that SSI benefits are exempt I called the Sheriff and they advised me to contact the bank and the law firm ( debt collector ) the bank says they cant do anything without the orders of the sheriff the law firm wont return my calls what can I do? 
Im upset at the bank for touching SSI Benefits which are exempt in my state of NJ
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Identity theft has happened to me, and my personal financial information has been used without my permission or knowledge to get credit, products, or services on the account above. I want you to get in touch with me and tell me that I am no longer responsible for this debt and that the credit bureaus and collection agencies should know this. Thank you ahead of time for giving this issue some thought.