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

I am writing this letter on my own accord without any assistance from a credit repair agency/specialist or 3rd party individual. I have reported this error multiple times and the information is still being reported wrong. And due to this false reporting it is causing me anxiety/financial hardship by making it impossible to find a place to stay. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is grounds for removal they also violated my rights under : 15 USC 1681i Section 5 ( A ) ; If , after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.
Product: Debt collection

I was checking my credit score today and I saw a drop of 33 points due to a collecting account been opened on XX/XX/2019 by some DIVERSIFIED CONSULTNTS on behalf of 11 XXXX XXXX XXXX stating I owe them XXXX dollars as a debt.. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt from the XXXX XXXX XXXX or their collector named Diversified Consultnts. They just tried to ruin my credit score by putting a false debt on my credit report and I want them to remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 2 public records both for {$0.00} and both items does not belong to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$4500.00} XXXX  Account number : XXXX Balance : {$1500.00} XXXX XXXX XXXX Account number : XXXX Balance : {$510.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account number : XXXX Balance : {$480.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$4500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance : {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$2100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) Account number : XXXX Balance : {$110.00} XXXX  Account number : XXXX Balance : {$480.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$3000.00} XXXXccount number : XXXX Balance : {$1500.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1900.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$19000.00} XXXX  Account number : XXXX Balance : {$1900.00} XXXX Account number : XXXX Balance : {$1700.00} XXXX  XXXX Account number : XXXX Balance : {$570.00} XXXX Account number : XXXX Balance : {$2100.00} XXXX  Account number : XXXX Balance : {$1200.00} XXXX  Account number : XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

Since XXXX XXXX I have been trying and dealing with charges we did not make on our Target Credit Card. Targets self check out system has added multiple purchases to our card-some 3 charges a day and back to back days on products we have never bought and would never buy. 

I have tried calling a XXXX XXXX, who at first sent me a letter saying the charges were removed and make it seem like they fixed the problem. The person I spoke informed me there was no XXXX XXXX that worked with Target credit card services. 
Here are the charges we have faxed over 3 times, yet were told were never received : XXXX XXXX {$38.00} XXXX XXXX {$16.00} XXXX XXXX {$23.00} XXXX XXXX {$10.00} XXXX XXXX {$5.00} XXXX XXXX {$29.00} XXXX XXXX {$3.00} XXXX XXXX {$73.00} Also everytime I have called I have explained when I go to sign in, it says session has timed out, please resign in, so I try and resign in, only to get the same message. 
The last time I explained this, I was rudely told I can not access my account because my account is past due. 
This letter makes it sound like I should easily be able to access it, yet on the phone Im treated rudely saying my account is frozen because its past due? 
Also interest and finance charges keep being added to my " open account '' which is illegal to add these charges when there is a dispute on the incorrect charges. 
These charges added on need to be removed along with all of the interest and finance charges. 
My credit is perfect and we have never had outstanding credit card balances. My only mistake was being talked into opening this target credit card-which has been a nightmare to do with. I should have read the thousands of other peoples reviews of having this same issue happening to them. My question is why is target allowed to do this to people? 
How does a consumer get help for this? 
Sadly after desperately trying to seek help, I have found I am one of thousands and thousands Target does this too, thereally has to be a way for seeking help without having to pay for a lawyer, when we did nothing wrong.
Product: Checking or savings account

Online transfer for {$300.00} from spend XXXX PNC to XXXX on XX/XX/20 has not reached the receiving bank for more than 25 days. 
PNC says the transfer has been completed on XX/XX/20 XXXX says they do not have any proof from PNC of the transfer.
Product: Credit reporting or other personal consumer reports

This is second attempt to have my information updated properly on my credit report. Transunion has yet to furnish accurate information on my consumer report. XXXX has updated the information properly but Transunion is willfully not complying with my request. I have pulled my consumer report again and saw items listed on my consumer report that I did not authorize. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. I'm challenging inaccurate personal information and authorized accounts listed below : There is an unauthorized address and account that is not listed accurately.

In accordance, 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This is my written request to cease reporting for the inaccurate information on my consumer report.

Also in accordance with 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. I am notifying you that the address listed on my credit report is not my mailable address. The account listed on my consumer report is not accurate.

Lastly in accordance with Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates. You do not have my written consent disclose any records of these account listed in my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information related to my credit report concerning the closed account with Ally Financial, account number ending in XXXX. Upon reviewing my credit report, I found several discrepancies that do not accurately reflect my credit history, and I am requesting a thorough investigation into these issues. 

Specific Discrepancies Payment History : The report lacks detailed information for the years XXXX XXXX XXXX There should be an accurate record of my payment history during this time. 

Date of Last Payment : The last recorded payment is noted as XX/XX/XXXX, but no payment is reflected for XX/XX/XXXX Creditor Classification : The classification is marked as UNKNOWN. Accurate classification is crucial for assessing the account 's nature. 

Request for Action I request that you investigate these discrepancies and provide me with the updated and accurate information on this account. I ask for the immediate update of any inaccuracies related to this account from my credit report. 

Please confirm receipt of this letter and keep me updated on the progress of my dispute. Thank you for your prompt attention to this matter.
Product: Mortgage

My name is XXXX XXXX, I was approved for a mortgage loan with loandepot in XXXX Florida XXXX my loan officer was XXXX XXXX My closing day was XX/XX/XXXX. 
My loan officer contacted me a week before closing telling me that she lost my grant money because the government ran out of money she asked me if I had XXXX dollars for closing I said no and she asked me if I could borrow money for a family member I said no I was in tears I gave up my apartment and put my furniture in storage now I have no place to live she even keep my deposit money. Please help me this is not right.
Product: Credit card

THERE WAS A PROMOTION FROM BARCLAY BANK FOR CREDIT CARD THAT IF CUSTOMER USE IT WITH 90 DAYS OF OPENING OF ACCOUNT, CUSTOMER WOULD GET {$50.00} AS A BONUS. ANY WAY I APPLY FOR THAT CREDIT CARD & USE IT. I OWE BANK {$69.00}, WHICH I PAID BEFORE DUE DATE XXXX RECEIVED MY CREDIT CARD STATEMENT FROM THIS BANK, WHICH SHOWS A CASH BACK REWARDS - {$50.00}. I CALLED THEIR REWARD SECTION WHICH IS OUT SIDE USA.THEIR TEL .NO IS XXXX. I MUST HAVE AT LEAST XXXX TIMES FOR MY REWARD BUT THEY DO NOT HAVE ANY INFORMATION ABOUT THIS ISSUE. ALSO ONE HAS TO HOLD FOR LONG TIME FOR EACH CALL.THIS IS LIKE FRAUD THAT THIS BANK DOES NOT GIVE CASH BACK REWARD TO CUSTOMER. THIS BANK HAS NO RESPECT FOR THEIR CUSTOMER. I WORRY SOME THAT I WOULD GET MY CASH BACK REWARD. I AM VERY UP SET WITH THIS BANK.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX, I am contacting you to inform you that I am a victim of multiple data breaches from XXXX, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  within 4 Business Days
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to precent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer however I never received any validation of the debt. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation of the full debt that is claimed to be owed. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
Product: Credit card

On XX/XX/XXXX, I purchased a XXXX for XXXX offer from XXXX, a shoe company. The email stated that {$500.00} gets you 5 years worth of responsibly made shoes from XXXX. 
XXXX pairs of shoes for {$50.00} each. 
Yes, you read that right. 
Here 's how it works : pay {$500.00} to become a XXXX for XXXX Member, and we'll send you a code every 6 months for the next 5 years to redeem for any pair of responsibly made shoes of your choice! 

The first two installments were fulfilled as-expected in XX/XX/XXXX and XX/XX/XXXX. Now XXXX is refusing to issue my code for my next shoes, which was due XX/XX/XXXX. When I reached out to the company, they said XX/XX/XXXX that they would be delaying my code until some unspecified time in XXXX Meanwhile, the company has started to show major signs of financial stress- closing showrooms, layoffs 4XXXX {$100.00} sales, etc. Aside from the delay, it seems to me that the odds that this company can fulfill the rest of this offer are low. I think that XXXX was well aware that they could not fulfill this offer when they took my money. I asked for a refund via email XX/XX/XXXX, and they did not answer. 

The total with tax was {$530.00}. Because XXXX out of XXXX pairs were fulfilled, the amount remaining unfulfilled and in dispute is XXXX pairs, or {$420.00} ( 80 % of the {$500.00} purchase plus 80 % of 6 % sales tax ). 

I spent about half an hour explaining this to Bank of America when I put in my dispute on XXXX I explained repeatedly, and the representative seemed to understand, that I ***LEARNED*** of this merchants refusal to honor this deal on XX/XX/XXXX. Therefore, the 60 day clock for my dispute did begin XXXX 

However, Bank of America closed my dispute in error, stating that I failed to notify them within 60 days.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have received multiple offers of a limit increase if I spend so much in purchases in a short time frame. These offers have been occurring for a year now. I use the card however have fallen short of the required amount. Not really knowing the exact timeline of the offer expiration I seem to miss the permanent increase. My limit drops THEN I get another offer the following month saying IF I use this amount I get to keep the increase. I feel like it's a yo-yo game and the brief moment in between offers my balance dti is50 % or more affecting my credit. Is this bait and switch ethical?
Product: Mortgage

On XX/XX/XXXX there was a hail storm in XXXX, CO that damaged my home extensively. Due to the dollar amount of the damages, my home owners insurance company, XXXX had to make the checks out to myself, my wife and the lender for the home. The lender 's process to release the payments is to release 50 %, then send an inspector, then release 25 % more then inspect it again and then release the final 25 % when the restoration/repairs are complete. 

The lender for my home, Rushmore Loan Management has had the majority of the funds for over 3 months, totaling {$16000.00}. I have filled out all the necessary paperwork, beginning four months ago. I have called a total of 14 times to find out when they would be releasing the funds so I can proceed with repairing my homes. They have given me every different excuse in the book on why the funds have not been sent. 

Here 's a small breakdown on my communication with them ( most recent ). On XX/XX/XXXX they told me that the hand writing was too light. This is not accurate as the email came from me and it 's crystal clear. Last week on XX/XX/XXXX, a " manager '' there named XXXX XXXX told me that she was going to call me that day with a tracking number for the check being sent. 

On Friday, XX/XX/XXXX I called and the call center person told me that they were waiting for the payee information to be approved. 

Today, XX/XX/XXXX I was given two different reasons for it not shipping. The original person who answered the phone said they were doing a system update today. Then a manager named XXXX ( employee # XXXX ) gave me a different excuse about the IRS approving the payee on the check to be issued. She told me it would be shipped on XX/XX/XXXX or XX/XX/XXXX at the latest and said that she would call me when it does ship. They have told me this before and have never, ever called me. 

For context, I have three windows that are boarded up in my home from the storm and nothing has been repaired except for the roof, downspouts and gutters because I need the funds from Rushmore to complete the repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX  I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they was unable toverified this item and have removed it from they're file. I went directly to XXXX to dispute the item in question and XXXX stated bankruptcy was verified yet again on XX/XX/2022 by XXXX XXXX after XXXX XXXX sent me a letter stating they have removed bankruptcy from file as of XXXX XXXX but they continue to verify to XXXX information they state they couldn't verify. 


This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to provide me the XXXX of XXXX from a previous dispute that I submitted in XXXX within 15 days of my request per the FCRA. They verified the enclosed listed accounts in XXXX from my XXXX dispute and I requested the method of verification and they have yet to provide me the method of verification per the FCRA 611 ( a ) ( 6 ) and ( 7 ). Provide the true method of verification and not a boilerplate response or DELETE the inaccurate and unverified accounts
Product: Credit card

I used my XXXX  Visa Signature Card to purchase a dress from XXXX, which turned out to be a XXXX XXXX XXXX. The order is enclosed. The order was submitted XX/XX/24 for a total of {$46.00}. The blue dress size XL arrived in terrible condition with a huge 10 '' tear. I communicated with XXXX XXXX XXXX XXXX XXXX XXXX  and the best they would offer is for me to pay full postage TO XXXX for a full refund. Alternately they would send a 25 % refund or another inferior replacement dress. They suggested that a needle and thread would fix the tear. I'm enclosing a picture of the dress, which was not as advertised and instead was a creation of rags sewn together. I have NEVER seen anything so poorly constructed in my life. 

Unsatisfied with the response from XXXX, I went to my XXXX  Visa Signature Card Company to request a credit, which they applied provisionally. They sent me a letter requesting a full explanation. I gave them a full explanation plus the 1 ) original order, 2 ) Email correspondence, 3 ) pictures of the torn rag of a dress 4 ) return address of the item ( from USA not XXXX ). I am enclosing same in this complaint. 

I received a rejection from XXXX  and they reapplied the charge to my card. I called and spoke with a CSR who reinstated my credit as I HAD SUPPLIED ALL NECESSARY INFORMATION. Yet again on XX/XX/XXXX I was sent a second rejection from XXXX, again stating insufficient information. This time, when I called customer service, I was told my account was LOCKED, they couldn't view it and that a manager would call me. Since XX/XX/XXXX, there has been NO CALL and no reversal of their decision. I was treated like garbage by XXXX  and am filing this complaint as my only recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft WF BANK NA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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


Account Name : MACYS/CBNA # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.