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

The credit bureaus stated my account was properly investigated, but how is that possible if the open date inaccurate, the date of last activity is inaccurate, the date of last reported is not accurate. This is ground of removal, they also violated my rights under 15 U.S.C 1681 section 602 A : State I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation, which I previously filed a complaint with you all about this. 

Aslo, I have received a letter from the credit bureau stating accounts was not reporting, ( 1 ) XXXX XXXX ( 2 ) US Dept Of Edu *4603 after pulling the report these item are still listed and reporting on the credit file. I called the reporting agency and spoke with a rep and she told me the confirmation number I told her is not showing up in their systems, I asked her do different departments have different confirmation numbers, and what do the dispute department confirmation numbers start with, she supplied me with the information however the mail I received that had the same 3 number for the dispute department was correct but yet she couldnt find the confirmation number.
Product: Credit reporting

XXXX collection reinserted after it was deleted. XXXX number XXXX XXXX dated XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for credit they keep the inquires on my report. I need those off of my report. I should not be penalized just for applying for credit.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/2024. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/2024 late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Checking or savings account

Everytime i changed my passwords and user name my account was hacked online someone was trying to deposit checks from the state. After 2 times the hackers tried to deposit these checks wells fargo sent me a letter they were closing my account so my work checks wete sent back to my employers. It took me 14 days to get my checks because they were being returned necause they closed my account before tbe date they said. This was not my fault. Then the hackers got all my info and tried to open credit cards in my name
Product: Credit reporting or other personal consumer reports

I looked at my report XXXX XXXX and noticed some things incomplete and not accurate 15 USC 1681 ( e ) B Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates According to XXXX XXXX Transunion 1997 Transunion is supposed to ensure Maxium Possible Accuracy These accounts violates these laws XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing this complaint to report an extremely frustrating experience with my XXXX credit card issued by Chase bank while traveling in XXXX. 

On XX/XX/XXXX, despite notifying Chase of my travel plans and being reassured that their fraud system is advanced and theres no need to notify them in advance, I encountered numerous issues. All the purchases I will mention were made with the same XXXX credit card. 

First, my $ XXXX purchase at XXXX XXXX was declined initially but went through on the second attempt. While the first declination was unexpected, at least it didnt block my purchase entirely. However, the nightmare began when I tried to buy a belt from XXXX at XXXX. The card kept getting declined, forcing me to purchase an XXXX card and spend around XXXX minutes on the phone with their agent. I emphasized that I would be using the card throughout the week and requested that it not be blocked again. Despite this, after successfully using the card at XXXX, it was declined again at XXXX. When I called Chase again, I was told I had a {$10000.00} daily limit, which was not true as I hadnt hit that limit, and the declined amount shouldnt count. 

Due to this issue, I had to return to XXXX the next day, wasting hours to resolve this only for the store to close before I could make my purchase. The following day, I attempted to buy a {$2000.00} bag at XXXX, but the card was declined repeatedly. This time, their agents didnt resolve the issue and instead locked my card entirely. Consequently, I couldnt use my card to check out of my hotel. 

To get a saying, I contacted Chase customer service and sent their questions below : 1. Why was I told there was no need to notify Chase of my travel plans if my card would end up being blocked repeatedly in XXXX? 
2. How does your fraud protection system justify blocking a customers card even after multiple calls and security checks?

For general recognition, fraud protection is to protect customers from fraud, not block them. I trusted Chase and brought their credit card for travel, yet their system prevented me from shopping, wasted my time and money, and ruined my mood. 

Chase got back to me after receiving my complaints, and apologized, although the didn't do a complete reply to me questions, they mentioned in their reply that they requested an compensation for me and would show in my next statement. 

However, when I checked the statement, no compensation at all, I contacted them again and they said the compensation request was denied by their upper level management without letting me know the reason, and then no follow up. 

I don't know how XXXX their fraud protection mechanism is, but they should unblock their users if they called and requested them to unblock and stop keeping blocking them. They not only don't stop blocking the users, but they lock the card for use directly after customer made several calls.
Product: Checking or savings account

Wellsfargo purposely delaying incoming wires and check deposits and intentionally causing account to overdrafts.

I request my business account to be reviewed by a 3rd party. 

my account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to formally request that XXXX block and remove fraudulent, inaccurate, and false information from my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is the result of identity theft report numberXXXX fraud that have caused serious inaccuracies in my credit report. 

The fraudulent accounts and details in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries were not authorized, opened, or made by me. They are fraudulent and were initiated by an identity thief. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # [ Insert FTC Case Number ] ) as evidence of the fraud. 

These fraudulent accounts have resulted in inaccurate negative information on my credit report, leading to financial and reputational damage. As per FCRA 605B, I am entitled to have this information blocked and removed within four business days of your receipt of this letter. 

In addition to the FTC complaint, I have included supporting documentation confirming these accounts and inquiries are the result of identity theft. I request that you : Remove all fraudulent accounts from my credit report. 
Block any associated inquiries or collections tied to these accounts. 

Failure to comply with this request may result in legal action, including statutory damages and recovery of costs as outlined under the FCRA. 

Please confirm receipt of this request and provide me with a timeline for resolution. Thank you for your prompt attention to this matter. 

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

To whom it may concern ; On XX/XX/2022 WAKEFIELD & ASSOCIATES, and XXXX XXXX XXXX XXXX XXXX XXXX furnished my information knowingly it was fraudulent information. Furnishing knowing fraudulently information such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2019 regarding this company that says i owe them XXXX. i have ask for validation per Fair Debt Collection Practice act bearing my name.i am aware of the 30 days allowed by the FCRA , in  which i haven't heard from them as of XX/XX/2019.
Product: Credit reporting or other personal consumer reports

This letter serves as a final demand for immediate action regarding unresolved negative accounts on my credit report, which have remained unaddressed despite multiple previous attempts to rectify these inaccuracies. These unresolved entries have caused significant distress and are unjustly impacting my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the error of L.J. Ross three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
Product: Credit reporting or other personal consumer reports

Im requesting a copy of the 1099c from XXXX XXXX XXXX finance that I didnt not receive. Its showing on the consumer credit report that the scccoint has been written off as a Profit and loss write-off and a charge off account yet I still havent gotten a 1099 c and the account is still reporting incorrectly and statutory damages should be paid out based on how long this inaccuracy has been going on over XXXX XXXX with several complaints and claims being filed with XXXX, XXXX, XXXX well as XXXX
Product: Credit reporting or other personal consumer reports

TransUnion closed complaint XXXX without resolving the issue. Instead of providing me the access to my online account that I requested, TransUnion has fraudulently taken it upon themselves to freeze my credit and delete my online account! The whole purpose of my first complaint was to gain access to my free account so I can review it myself and control who has access to my credit! I did not authorize TransUnion to delete my online account and freeze my credit!
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i. 

Notice of results of reinvestigation ( XXXX ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC
Product: Credit reporting, credit repair services, or other personal consumer reports

I had existing loans through XXXX that were valid, but there were fraudulent loans showing on my account that I did not authorize or know where they came from. When I realized the loans were showing on my account and showing as past due, I contacted XXXX and disputed them. When XXXX would not do anything with my dispute, despite certification that they were fraudulent transactions, I attempted to dispute them with Experian. To avoid further damage to my credit report and because the loan was a small amount ( less than {$1000.00} ), I paid the loan while I tried to resolve the dispute. 

XXXX claims to have verified the information on my report, but will not verify that the transaction was disputed and was fraudulent. Experian continues to keep the late payment on my credit report even after I filed a dispute. 

The documentation available on my account indicates that the account was fraudulently opened in my name using a stolen credit card number and an old address that I have not lived at for over 2 years. I dont know who or how my information was obtained to commit this fraud, but I do know that it wasnt mine. I have verified, repeatedly, with Experian and XXXX that these are fraudulent.
Product: Credit card or prepaid card

I had XXXX accounts with Synchrony Bank for some time. I used all accounts in a proper and responsible manner. I never had a single late payment and never exceeded my credit limits. In fact, I didn't even come close on many of the accounts. I made payments either on auto pay on the due dates or in many instances I would pay before the account had even billed and before it was due. 
I also maintained my personal credit with all creditors in a responsible manner and most of my credit scores were in the high XXXX 's and with in excess of {$100000.00} of available credit my utilization was always under XXXX XXXX  but usually at XXXX XXXX XXXX XXXX. 

I had just been approved for a new account with Synchrony and also received credit limit increases on other accounts. This also reflects that my handling of the accounts and my credit was without question or doubt. 

Then on XX/XX/XXXX I was notified that ALL of my accounts had been closed. There was no reasonable cause or reason for the closure. Nothing had changed in my internal or external credit profile or use that would warrant this action against me. 

At the time no one at Synchrony could provide me with an explanation for the closure. Then recently I received letters for each account with the same reason for the accounts being closed. These letters provided a false and wholly dishonest reason for the closure- in violation of federal law. Pursuant to federal law an adverse action letter must contain and provide a truthful and accurate reason or explanation, which they did not. 

In my research online, I then found that this was a complaint of many - XXXX XXXX XXXX XXXX, of other customers of Synchrony Bank. So it appears that this is not an isolated action to HARM their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am NOT HAPPY that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 


XXXX  XXXX XXXX XXXX - {$0.00} XXXX  XXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX Tenant Data Services did a background screening report on myself as I was applying for a rental home. On this report It pulled an Eviction judgement that keeps appearing on my report that should not be showing at all. The file date of this judgement is XX/XX/XXXX The name is XXXX XXXX. Filed XXXX XXXX bankruptcy and this was included in this bankruptcy at this time and should not be appearing on my background report as all debts were cleared on this debtor. I have disputed with the agencies each time a tenant report is ran and they clear the report each time but when it is run again this eviction keeps then appearing back on the report. I have the reports showing they cleared the item after investigation but want the item permanently removed from my report so when the tenant report is pulled initially it comes back clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX no account number reported XXXX $ SUPPOSIDLY FROM XXXX YEARS AGO! 

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$76.00}
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor ( XXXX, equifax and XXXX  ) has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Mortgage

Received letter from JFQ Lending. 

Titled - " Understanding Your Available Funds Report '' Toll-Free # - XXXX The letter indicates there is money available to me.
Product: Debt collection

According to the Federal Credit Reporting Act creditors are to notify consumers of any debts owed and are to be given 30 days to dispute the validity of the said debt. I was not granted the notice of dispute which is in direct violation of the Federal Credit Reporting Act. I would like a validation of the address they have on file.