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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are both inaccurate. According to my records, a request was sent to XXXX XXXX XXXX  and received on XXXX to have account closed and removed from credit report. XXXX XXXX  sent me letters that were received on XXXX. The letters are requesting documents to be sent for " reinstatement '' which clearly states both accounts to be closed. I am requesting that both accounts addressed are removed immediately from my Equifax credit report. See attached evidence that both accounts should been closed since XX/XX/2021. XXXX XXXX  has been calling numerous times a day which is harassing and theyve damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX. # XXXX my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting 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 XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of XXXX I was searching online for a pair of gloves for my XXXX year old daughter, to complete an over looked x-mas gift. I came across a pair on XXXX for {$19.00} and purchased them, Order #, I do recall entering my information for shipping, but I never applied for any credit for a {$20.00} item from XXXX that I would rarely ever buy an item from! A little while later I received an Alert from XXXX XXXX and Trans Union, checking both to verify there is a hard inquiry from XXXX on my credit report for credit that I never authorized.. Later that evening on the XXXX, After reading literature on XXXX XXXX about online dispute, I went to Trans Union to do an online dispute # XXXX on XXXX I then contacted Trans Union by phone as I was unsure of my online dispute process was complete, I was then told I could not file this dispute with them or online, and that I would have to contact XXXX to get an Inquiry Delete letter from them, which I ca n't understand why offer a dispute process online when your not going to dispute it, I also have them the dispute number and was told that meant nothing, was only told that was mainly dealing with the other simple correction that I had noticed on my account, like phone numbers and address, So I contacted XXXX, was told I do not have a credit card with them, so do n't worry about it, but they are still failing to realize, that I have a hard inquiry that I never authorized, so after raising a little more ruckus, I was switched to another person named XXXX # XXXX , she said that she would provide this this letter that I requested, Inquiry Delete letter to the credit bureaus, and I copy to myself in 7 to 10 days..
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte
Product: Prepaid card

I can not get any solid answers on where to use my American express gift card and they refuse to give me a solid answer on where I can actually use it.
Product: Credit reporting or other personal consumer reports

I have an account that was opened under my name that I do no recognize By " XXXX '' on XX/XX/XXXX or XX/XX/XXXX for {$280.00}... 
also an account XXXX XXXX {$330.00} XX/XX/XXXX. I have made a formal complaint with the FTC and will be attaching the report. I filed a police report with the XXXX XXXX Police department in XXXXXXXX XXXX XXXX Case # XXXX ) plus I made a report of stolen identity to the XXXXXXXX XXXX  XXXX on XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please do not close this dispute as I do not accept the response To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 
In addition please provide the contract signed between XXXX XXXX XXXX XXXX XXXX XXXX XXXX notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.
Product: Credit card

I am writing to complain about U.S. Bank. I recently applied for a U.S. Bank XXXX XXXX Premier Visa Signature Card credit card and was approved. One of the major reasons, I applied for the card was an advertised benefit of " Bonus Award Nights '' where any award stay using XXXX XXXX points got the the last night free. This benefit is offered ONLY to U.S. Bank XXXX XXXX credit cardholders. 

On my XXXX statement I received from U.S. Bank as a XXXX XXXX credit card holder the following notice was in the statement : Program Update Notice For Your XXXX XXXX VisaStarting XXXX/XXXX/2015 Cardmembers can earn a Free Night at a XXXX XXXX hotel by spending {$10000.00} annually and paying an annual fee. Free Night replaces Bonus Award Night. Terms ( & conditions apply. 

I am upset because a benefit that was advertised when I applied for the card is being taken away with little notice right after I applied. I contacted U.S. Bank using the phone and was told they can not do anything about my complaint.
Product: Vehicle loan or lease

I have requested resale information several times and the debtor has not provided it
Product: Credit reporting or other personal consumer reports

Transunion is reporting an unauthorized inquiry onto my credit report. I have requested for the inquiry to be removed. I have no business or have not applied for any business with the inquiry ( XXXX XXXX ) in question. Therefore, the inquiry was unauthorized and requires immediate removal from my credit profile
Product: Student loan

I called Mohela and requested a refund for some payments made last year after receiving notice that I had that option due to not being notified of my upcoming payments in time. I was told the refund request was submitted when I spoke to the Rep on XX/XX/year> and that it would take up to 60 days to receive my refund. During the 60 day period I called again to confirm how the refund would be issued to ensure it was to my bank account as opposed to my card that was no longer active. After 60+ days had passed I called back ( XX/XX/year> ) to check on the status of my refund and was told that the request needed to be resubmitted since it was made before the platform transfer and she hung up in the middle of the call while I was confirming what the refund amount should be ( {$150.00} for each month for a total of {$470.00} ) and she never called me back like she said she would if we got disconnected. I called back a few minutes later and spoke to a new man who said he couldn't put me back in contact with her but could take over from there based on the notes in my account. He then said that it showed my refund was in progress but it would actually take 90 days not 60. I called back again after 90 days had passed ( XX/XX/year> ) and was told by a different rep that the refund had to be requested again because the initial request was made before the transfer so it was denied and that it would take another 90 days for my refund to be issued. Every time I call I am put on hold at least 5 times while they " look into it '', " reach out to their supervisor for help '', " waiting for their supervisor to respond '', " oh, still waiting on a response from my supervisor '', " okay my supervisor is responding can I put you on a brief hold again? '' Every single time I call it's the same experience and when I asked for a case number to reference when I have to call back in the future they claimed they can't provide a case number, but they have updated the notes so that someone else can help from there next time. Terrible customer service " assistance ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$190.00} in escrow shortage to keep my monthly payment unchanged. It was applied to my principle instead, which I discovered on XX/XX/XXXX when the lender demanded I pay more each month to cover the shortage. On XX/XX/XXXX, I spoke to a Sr. Resolution Specialist who promised to fix the error in 5-7 business days. On XX/XX/XXXX, I got a call from the lender 's collection department. A check of my account showed that I was nearly {$3000.00} in arrears! I have never been late with a payment in the almost 3 years I have had the mortgage. I could also see that I was being charged {$37.00} for advances and fees. Since then, I have spoken or chatted online with 7 other people, all of whom are polite and apologetic and promise that 1 ) my account is being worked on, 2 ) I am not in arrears, 3 ) the {$37.00} is being removed, and 4 ) my credit will not be affected by this. On XX/XX/XXXX, the lender reported me to the credit agencies and my score has been reduced from XXXX ( excellent ) to XXXX ( fair ). This week, I have received 2 notices, one offering a " payment reduction '' so I can get " caught up '' and the other threatening foreclosure. I can not get the lender to fix my account. They promise everything and deliver nothing. Please help me!
Product: Credit reporting or other personal consumer reports

NAVY FCU XXXX Balance : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On     XXXX   XXXX   XXXX       I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed Equifax,  XXXX , and  XXXX  are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  XXXX .
Product: Checking or savings account

Two Fraudulent Transactions from my Discover High Yield Saving Account. Both from XXXX. First transaction was on XX/XX/year> for {$10000.00} USD. The second transaction was on XX/XX/year> for XXXX USD. In total XXXX USD was lost via fraudulent transactions. I found out about this fraudulent activity today and immediately notified Discover and made the claim. I am waiting for the result of the investigation/refund.
Product: Credit card

I have not held an account with Nordstrom and this balance of XXXX is sitting on my credit report as a negative.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : number : XXXX
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to express my extreme dissatisfaction with the handling of my account by your company. On Tue XX/XX/2022 XXXX PM, a representative " XXXX '' from the " PayPal XXXX XXXX XXXX XXXX '' suggested that " We will make any remaining funds, less reversals or debits, available to you for withdrawal on or before XX/XX/2022, and we will notify you of this via email. '' However, on Wed XX/XX/2022 XXXX PM, I received an email from " XXXX '' from the " PayPal XXXX XXXX XXXX XXXX '' informing me that " the funds are now available in your PayPal account that were held for 180 days ( XX/XX/2022 ) from the date of limitation placed. '' I would like to inform you that holding funds for more than 180 days is not allowed under the XXXX XXXX XXXX. As per the Fair Credit Billing Act ( FCBA ), a consumer has the right to dispute a charge within 60 days of the billing statement. As per the XXXX Funds Transfer Act ( XXXX ), a consumer has the right to dispute an electronic fund transfer within XXXX  days of the transfer. 

Furthermore, I would like to inform you that I do not have any transactions specifically between XX/XX/2022, and XX/XX/2022, the XXXX personal payments totaling {$590.00} as you have stated in your email. I have attached a screenshot to prove this ( Please see attachment ). 

Regarding the statement in your email " We notified you of this action through email the same day and requested that you a photocopy of your valid government-issued identification, proof of shipping, and explain the activity on Account. Later that same day, we received a copy of a screenshot of a picture, which we could not accept '', I would like to inform you that I was not asked to provide any documentation as stated. Instead, I was placed with a direct permanent limitation when I received a XXXX payment from XXXX XXXX. 

In conclusion, I believe that PayPal has mistaken or misunderstood my account situation. I kindly request you to re-evaluate my account and release my funds or to restore my account access back to its normal standing. 

Thank you for your attention to this matter. 

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

Please look at my both of XXXX XXXX XXXX. They are not showing payment history for the past 8 years. I successfully received a BK discharge in XX/XX/2014. The creditor has never taken my mortgages out of bankruptcy ; therefore I have gone 8 years with no positive payment history on either mortgage. This has significantly cased me to have problems as a consumer when I should be in this situation. XXXX XXXX XXXX servicing is threatening foreclosure it is an old HELOC on my primary residence that I want to refinance and payoff but I can not because it still shows me in bankruptcy chapter XXXX. However, I am 8 years XXXX. XXXX is ONLY offering me a modification but this further denigrates by ability to recover ; it is simply not ok or just. 
PLEASE HELP!!!!
Product: Checking or savings account

i deposited a check from my sisters school and they put a hold on it like nornal but a few days later they just closed my account i provided with the proof they asked me for and still closed it messing up my direct deposits i had just done and my checks just cashed into the account causing financial hardship and the worst the way they made me feeli worst than a delinquent.
Product: Credit reporting or other personal consumer reports

Despite numerous attempts to resolve this matter, these accounts persist, causing significant harm to my financial well-being. I have submitted multiple dispute letters, provided supporting documentation, and even placed fraud alerts on my credit file. However, it appears that your bureau has failed to take appropriate action to investigate and remove these accounts promptly. 
The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I must stress the urgency of this matter, as these fraudulent accounts are severely affecting my ability to secure credit, obtain favorable interest rates, and achieve my financial goals. It is absolutely unacceptable that despite being made aware of this issue, your bureau has not taken swift action to correct it. 
Failure to comply with these demands will leave me with no choice but to seek legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ).