23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/2016, a local merchant posted a refund to my credit card account with Bank of America in the amount of {$1500.00}. As of XXXX/XXXX/2016, the credit has not been posted to my account and Bank of America refuses to tell me why. On XXXX/XXXX/2016, XXXX posted a refund to the same account for merchandise I returned. As of XXXX/XXXX/2016, the credit has not been posted to my account and Bank of America refuses to discuss it. 
It is clear that Bank of America is delaying the posting of credits to my account in order to artificially inflate my balance and charge me excessive interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are not me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has 2 accounts with me that are paid monthly on time. I just recently got an alert that my balance increased by {$950.00}. It is incorrect as my balance between the two accounts is less than {$1500.00}, but this is affecting my score. My other loans are currently covered through the end of the year. There should be NO MOVEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX  on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )
Product: Debt collection

I contacted this company last year after finding their trade line on my credit report, They told me then it was invalid when I asked for verification. They said they would remove it, yet it still sits on my report and now they are calling me and harassing me about it. 

The trade line shows a date of XX/XX/XXXX for a XXXX store. I 'd like to know when and how such a debt came into being considering I 've never had a credit account with them and still buy from them all the time and they have never said anything to me about any alleged debt. 

Furthermore, I disputed this alleged debt with the credit bureaus and this company is still calling me. No verification on their part, still. 

My next move will be to pursue legal action against this company.
Product: Credit card or prepaid card

I have a BJ 's Mastercard issued by Comenity Bank. Comenity Bank has been having issues with their website and they are not taking calls. Approximately 2 weeks ago I tried accessing my account and the website was down. I called and the automated system said they're having problems from an upgrade and to call back later. My call was disconnected. Earlier today I was able to log into my account and wanted to see my XXXX statement which should have closed approximately 2 weeks ago but the last statement available on the website is the XXXX statement. Again I called. The automated system said my statement was mailed to me on XX/XX/19. I never received it and I turned off paper statements 2 years ago. Again I tried to talk to customer service and got the same message and was hung up on as previously described. The internet has many reports of others having similar issues.
Product: Credit reporting or other personal consumer reports

I am requesting a re-investigation of my consumer report using the following : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed numerous inaccuracies on my report this is affecting my well being and my way of life and causing me stress and XXXX  and I am the author of this complaint
Product: Credit card

there is an unauthorized transaction in my Paypal Credit XXXX x repeat transaction I disputed this to Paypal they investigate it was made through Paypal account through eBay. I called eBay too to report the person who said I sent money to him for XXXX in one day that is fraud I NEVER NEVER purchase nor pay a person with out an item in return. eBay must also check the credibility of their members hope they will make action to this wrong doing. Please help.
Product: Credit card or prepaid card

I previously contacted Citibank multiple times to address this issue, they have failed to comply with my request. This is my last attempt to try and resolve this issue before taking legal action. Please find all required documents attached.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice Regarding Conns Appliances Bankruptcy and XXXX XXXX Dear Experian XXXX, Account # XXXX Conns appliances I am writing to formally notify you that XXXX XXXX is no longer a functioning company due to its recent bankruptcy. As a result, they are unable to fulfill any financial obligations, and any reporting related to this company should be considered invalid. 

And also XXXXXXXX XXXX assured me that this account would be deleted off my credit report and was never done. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Given that XXXX XXXX has filed for bankruptcy and is no longer operational, any negative reporting associated with this company should not be reflected on my credit report. 

Furthermore, I have previously reached out to you regarding this matter, but I have not received a satisfactory response or resolution. As per the FCRA, you are obligated to investigate disputes regarding credit reporting inaccuracies. Your failure to address this issue has caused undue stress and potential harm to my credit standing. 

Please consider this my final notice. I expect the removal of any references to Conns Appliances from my credit report within 30 days. If this matter is not resolved promptly, I will have no choice but to proceed with legal action against Experian for failing to comply with the FCRA and for the inaccuracies in my credit report. 

I appreciate your immediate attention to this matter and look forward to your prompt response.
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 : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, I keep receiving emails saying my disputes have been updated view current report, when I view current report or disputes nothing has been corrected everything has remained the same. These disputed accounts need to be taken care of and coded properly, as all information has been received and documented but yet the creditors are not correcting anything. It is affecting and impacting the ability to maintain what happened to my home since this has drastically dropped my score from the XXXX 's to the low XXXX and XXXX range. This should not be happening if they were coded correctly and should not say potentially negative and charged off. A hurricane is out of my control, and I have no control over what happened. but these creditors are demolishing me when they have the facts in front of them as well as the Agencies.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XXXX XXXX XXXX XXXX XXXX XXXX  ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

A hacker tried opening a loan under my name. I spoke with the bank and the agreed it was fraudulent. There are two inquiries from their attempts
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Innovis for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and for non-compliance with federal regulations regarding the accuracy and verification of information on my credit report.These inaccuracies I have repeatedly disputed with Innovis on two separate occasions, over 75 days and 40 days ago, with no corrective action or response : Started XX/XX/year> The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit reporting or other personal consumer reports

Ive been asking for an update for my score for years and yet they will not change my score after all of the identity theft items are gone and theres only XXXX card on my credit and my score is still XXXX its disgusting my score will not change and its stopping me from getting approved for anything
Product: Prepaid card

i purchased 4 Vanilla Gift cards from XXXX {$50.00} {$50.00} {$100.00} {$200.00} for XXXX gifts. The cards were shipped to my address but were not activated I called XXXX XXXX they sent me over to VanillaXXXX i put a claim in Claim # XXXX sent the receipt my ID a bill to verify my address on XX/XX/23 they keep telling me to call back in 7 days every time i call. XXXX XXXX will not issue me a refund and Vanilla wont give me new cards or my money. At this point I dont know what to do
Product: Debt collection

Wrote to this company multiple times whereas I asked them to stop contacting me yet they continue to do so via telephone calls and U.S. Postal Mail.
Product: Credit reporting or other personal consumer reports

The secured card that I have from XXXXXXXX XXXX has stopped reporting my updated payment information for the month of XXXX to all 3 credit bureaus. I've provided documents showing statements of on time payments, and lack of updated information.
Product: Checking or savings account

On sometime Wednesday XX/XX/XXXX, capital one experienced some type of outage where consumers were no longer receiving direct deposits. I have personally confirmed this with friends who have capital one accounts and also work at XXXX corporate with me. 

Capital One continues to tell consumers they are working on fixing this, however there are no provisions and no immediate support being offered to consumers. There has still at this time been no ETA for restoration as of Friday afternoon XX/XX/XXXX. 

With Monday being a banking holiday and no real resolution in sight, this will become a dire situation for thousands and thousands of Americans across the country. We need immediate support on these matters
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

Per previous complaint Chase is STILL negligent in paying me the balance on my account. Issue NOT resolved
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to XXXX5 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. This has effected me from buying a house
Product: Credit reporting or other personal consumer reports

Transunion are allowing companies to Fraudulently request information which creates and unauthorized HARD inquiry.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Debt collection

The company stated in their last comment that they tried to contact me. I do not recall receiving phone calls from the collection company. There are a lot of telephone scams trying to collect money from the elderly. I do not answer strange numbers.
Product: Credit card or prepaid card

i noticed there was a transaction on the capital one card i owned at the time i am currently unable to retrieve any information cause they disabled my online services i called multiple times and they keep telling me ironically that there is not enough proof that i DIDNT make the purchase and now they have recently served me because of this same balance
Product: Credit reporting, credit repair services, or other personal consumer reports

ACIMA CREDIT : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS
Product: Credit card or prepaid card

I was never notified by Capital One that my account was going to be closed. I went to use the card and it was declined, then the same day I got an email saying my account was closed due to inactivity. I tried to call the company, but the people on the phone didn't speak good english and weren't able to help me. They said they can't keep my account open. My credit scoXXXX dropped XXXX points due to this mishap.