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

I have submitted disputes on these 4 credit card charger-offs on 3 separate occasions and XXXX, TRANSUNION, and XXXX. They still have not resolved the issue. The credit card companies violated FCRA 605B by reporting my personal information to the credit bureaus without my consent. Thus, violating two consumer laws - 15.USC 6801 and 15.USC 6802.

The disputes are these listed below : Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$590.00} Terms - On record until XXXX XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$8000.00} Highest balance {$9700.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$4000.00} Highest balance {$4300.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$5500.00} Highest balance {$6900.00} Terms - On record until XX/XX/XXXX 2029
Product: Credit reporting, credit repair services, or other personal consumer reports

Four years ago I filed the attached sheriffs report and supplement. I have sent multiple copies of arrest and warrants from around the country including XXXX and XXXX XXXX County where I reside on the person listed on my sheriffs report, XXXX XXXX XXXX. Attached is the latest Grand Jury Indictments that list forgery.
Product: Vehicle loan or lease

My ex-wife left me and her XXXX daughters in a car With the XXXX XXXX from JD Byrider I could not report it stolen since she was on the title/loan itself, I have already paid XXXX to XXXX XXXX For a previous loan Since she has left the kids and I She has gotten XXXX XXXXXXXX cars repossessed from XXXX XXXX to JD by rider to another one, not sure of the name, but other buy here pay here, lots. 
I will pay my portion with no problem, but it should definitely not fall on just the one person with the job. Because she is the one that took off with the vehicle. And I called XXXX XXXX XXXX, and reported that I would like to cancel the insurance so I can show proof that. 

Thank you To whom ever it may concern. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Email : XXXX Reasons : I would like all of my derogatory remarks removed immediately. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX XXXX  Account number:XXXX Date Filed : XXXX, XXXX Type of Account : Collection XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Reason XXXX THIS IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> appearing on my credit report is inaccurate, unverifiable, or incomplete. 

I submitted a dispute regarding this item to Transunion XXXX XXXX. 
To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611. 
- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report. 

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind. 

To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protecting Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumers-providing evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I bought a PayPal prepaid Visa card on XXXX, I had preloaded the card with a {$100.00} balance. The card cost me {$4.00}. 

I attempted once I got home to activate the card, however, I was told that I was considered to be a high risk customer and was unable to activate the card. I was told by their customer service team that they would be forced to mail a check to me. They were going to send the check for {$100.00}. Even though I paid {$4.00} for the card. Totaling {$100.00}. 

The check was supposedly mailed out to me on XXXX. I called on XXXX. I informed them I still didnt have the check. I told them that they must not have processed it correctly or the check had been lost in the mail. 

They assured me that I would have the check by XXXX, they told me I needed to be patient and give it the full XXXX business days. As of today which is XXXX, thats XXXX business days. They are now telling me that they can stop the payment, but it will be another XXXX days. I informed them on XXXX when I knew the check wasnt coming, that its not going to be acceptable when they tell me that the funds will need to be mailed again. Which is exactly what happened.

Im already frustrated because I havent ate anything in 2 days. I suggested the check be sent overnight. I even offered for the fee to come out of my funds, but was told that wasnt going to work. I tried to explain what happens if this happens again. Ive already waited 15 days for my own money. Which was cash used at the XXXX XXXX to purchase this card. I want them to come up with a different option that doesnt require me to wait a month to get my money back.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/NAVIENT XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit report agencies are reporting incorrect credit usage that is attributing to my lower credit score. 
Credit reporting agencies are run on impersonal algorithms. There is no personal connection to the state wide infrastructure of credit reporting. Credit reports fluctuate on a daily, thus should be updated every 24 hours. 
My credit usage has dropped significantly yet my score has dropped. Likewise I have had an item removed and updated- with no change. 

The impact of a credit score contributes to the livelihood of families across America. 

My credit score should be considerably higher yet, swims in the same pool for years now. 
When will the government step in and hold accountable the credit reporting agencies to honor the families across his great country that contribute to the economy.
Product: Vehicle loan or lease

I have been sued by a finance company for {$10000.00} plus fees. The motorcycle was purchased by an individual by the name of XXXX XXXX who has stolen my identification she also had stolen the motorcycle from the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX of 2020, after being in a crash by someone. I submitted a fraud claim with the company and also did an identity theft report on the individual who did this to me. When I received documentation from the XXXX XXXX XXXX I was given a copy of my ID that is unverifiable from an email that I sent to an XXXX  management back in the beginning of the 2020 and along with forged documents of my name. I informed the finance company of everything and provided them with police reports and fraud reports but nothing worked in my favor. Now I am being garnished and my credit report has been ruined due to this situation. Ive also gave what I could on the motorcycle, but Im still in a hole and need help. I did try to do an small claims but it was denied as well.
Product: Credit card or prepaid card

I am the victim of at least {$39000.00} in unauthorized credit card charges allowed by Barclays against my XXXX XXXX bank account since XXXX - see attached list detailing unauthorized credit card charges. The list was provided by XXXX XXXX. 

XXXX XXXX says that these {$39000.00} in charges were electronic payments authorized '' by Barclays against my account ; yet XXXX XXXX can not tell me who at Barclays authorized these charges, and to whom payments were made. This is rather alarming, given the fact that I never used my Barclays credit card, or authorized anyone else to use it. 

I had a certified letter sent on my behalf to Barclays on XX/XX/XXXX ( copy attached ), asking them to explain how {$39000.00} in Barclays credit card charges - every one from a different credit card number ( some 59 in all ) - could be found to be authorized? And if so, to whom said payments were made? Interesting enough, Barclays also confirmed that no one else has a Barclays credit card with my name on it ; yet they can not explain how the charges were made against my account. All they will say is that the charges were " authorized '' (? ). 

On XX/XX/XXXX, I received a letter from Barclays ( copy attached ) noting that if I feel that fraud was involved, that I write to their fraud team at Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX- which is surprisingly where my first letter was sent. This seems to be extremely non-responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the account XXXX   XXXX.After sending dispute letters to XXXX and Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Product: Debt collection

I have contacted this company about this account that they are reporting and trying to collect. I have never had service with XXXX XXXX XXXX and I have stated that to the debt collection company, and they continue to respond with XXXX XXXX XXXX information. I have also contacted XXXX XXXX XXXX and they can not find such account
Product: Checking or savings account

Today, on XX/XX/XXXX, I deposited XXXX dollars to my chime account through an approved vender via chimes app. I got notification on my phone that I had a current balance of XXXX dollars. I went to an atm and got a balance inquiry notifying me that my amount available was XXXX dollars. Later on I tried to withdraw money and was declined. When I went to the chime app to find out why, it would not let me log in and said my account was closed. It only gave me the option of emailing but not calling directly. After sending two emails I received no response for several hours. I finally called the fidelity bank number on the back of my card and got through that way. I spoke to several customer service reps who could not give me a direct answer. I was finally escalated to a supervisor who told me my account was closed, ( I already knew this ) and an email was scheduled to go out as to why. Well she could not tell me where my money was or if I would be refunded. I finally received a reply back from chime support stating my account was closed because I tried to access my funds too soon after depositing. Mind you, I have only just started using chime, and this was my first ever deposit. He told me I would be issued a refund within 30 days via check. I told him this wasnt good enough, I literally just got paid, TODAY and they arent releasing funds that are mine. I threatened to have my lawyer ( yes, I have an active lawyer working another case for me ) contact them, and he said he expedited the process and I should receive a check within 3-5 business days. Well here I am with no money and no way to support myself because chime took my money and closed my account for no reason justifiable. I want something done about this. And Im not the only one this is happening to. That money is fdic insured and I wont stop until I get my hard earned money back. It takes me two weeks nearly to make what they took from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  last reported an update with Equifax XX/XX/2022. I called XXXX XX/XX/XXXX and spoke with rep who said its normal and XXXX reports every 60 to 90 days. I was told to contact equifax directly, which I had done already. Now I receive a message this morning XX/XX/XXXX that Equifax has reported account closed and my credit score dropped XXXX points!!!! I called XXXX, spoke w a supervisor today XX/XX/XXXX, they said I would have to send them my entire credit report to investigate. ( NEVER WILL I DO THAT/IDENTITY THEFT ). I called Equifax they said I need to call XXXX, after holding 1 hour and 32 minutes was told there is nothing they can do. This is outrageous!!! Equifax XXXX XXXX XXXX ( refused to provide country and stated for security purposes ) told me hecannot file a dispute on my behalf because account is closed!
Product: Debt collection

This was a bill from a workers comp claim. I been trying fight this for a year I need this resolved ASAP this has been in my credit report since XXXX. My lawyer has contact your agency.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I requested to extend my consumer credit and applied for a {$500.00} and {$1000.00} personal emergency loan and was unlawfully denied extensions of my credit. Speedy Cash has committed Fraud, Discrimination and violating just about every ECOA law TILA law and Title 15 USC laws and regulations and denied me reconsideration to approve my loans unfairly. 
The companys adverse response did not address any of my factors or issues instead gave no lawful reason or lawful facts on why my denial was not reconsidered? I applied for a loan and was denied. 
Regardless of the facts in your adverse action. I have the right to credit. XXXX says denying me access to my own credit is discrimination. I have the right to credit and with holding me access to my securities is SECURITIES FRAUD. You are in violation of XXXX and XXXX XXXX XXXX XXXX since you are denying me my credit application you are deprive me my own rights under the XXXX of the law. XXXX and FTC laws prohibits creditors from denying a loan based on facts that have nothing to do with my credit worthiness. Title 15 USC 1691 Give me the right to infinite credit. Under these Laws TILA 15 USC 1662 ( b ) ,15 USC 1611, 1602, Regulations Z and Regulations B, 12 GFR 1002.4 A creditor cant discriminate and deny your credit. Regulations B protects applicants from discrimination in any aspect of credit. Truth and Lending Act states you cant deny me my own credit to my self you cant deny me credit I all ready have. Title 15 USC 1619 ( 3 ) Right to contract my unlimited credit plan I am extending my unlimited credit. You are depriving me of my rights. 15 USC 1602 explains denying me my own credit is Discrimination. Speedy cash wanted to defend its self saying there was no discrimination using the standard disclaimer for discrimination and the discrimination you violated is not addressed in the standard disclaimer of discrimination Pursuant to USC 1691 No bank can deny extension of your credit that constitutes ultra vires. It is unlawful for any creditor to deny and discriminate against any applicant REWARDLESS OF REASON.Period discrimination occurs when lenders base credit decisions on factors other than the applicant 's creditworthiness then deny a consumer extension of there credit.Furthermore under the grounds of the standard definition of discrimination you stated I exercised my good faith under XXXX consumer protection law pertaining to credit. The XXXX is a federal law that prevents financial institutions from discriminating against credit applications based on factors that arent relevant to a borrowers ability to repay the loan. The XXXX ensures that all borrowers have fair and equal access to credit. Cant make any more clear. I request my loan applications be processed and submitted and approved immediately.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have reporting errors, including inaccurate amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am sorry that I do not know English, and you know this well. So, I am forced to get assistance, and so they are aware of this as well, of what you are doing to me unjustly.

Why is it that my credit report does not show my active American Express credit card that ends in XXXX? 
Fix this immediately. And report the correct information to the three credit bureaus, because they removed the account from their credit reports as well. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to seek resolution regarding the outstanding refund of two payments that have not been returned to me, totaling {$2600.00}. The amounts in question are {$1000.00} and {$1600.00}, respectively. the two remaining transactions under claim numbers XXXX and XXXX. I kindly request your immediate attention to this matter and the prompt return of the funds. 

I would like to bring to your attention that one of your bank representatives emailed me on XX/XX/XXXX and provided me with a case number : XXXX. However, despite waiting for over a month, I have not received any further communication or updates regarding the status of my refund. This has left me concerned and frustrated. 

I understand that unforeseen circumstances and delays can occur, but I kindly urge you to prioritize the resolution of this issue. The funds in question are of significant importance to me, and their prompt return is crucial to my financial well-being. 

I kindly request that you promptly investigate the matter, address any delays or errors, and initiate the process to refund the full amount of {$2600.00} to my account. I would greatly appreciate regular updates on the progress of my refund request, as clear and timely communication is essential to resolve this matter satisfactorily. 

I have been a loyal and responsible customer of Citizens Bank, and I have always valued the bank 's commitment to customer satisfaction. I am confident that you will handle this matter with the utmost professionalism and resolve it in a timely manner. 

Thank you for your attention to this issue. I trust in your commitment to customer service and eagerly await the return of the funds to my account. 

Yours sincerely, XXXX XXXX XXXX