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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX  XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several time and ask for proof of debt validationa nd all documents proving that i owe this debt with in the FCRA laws and all the bureau send back is an updated letter. I also disputed with the collector directly and the mail continues to come back as undelivered. 


Company : XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX 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 I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/24 at XXXX I received a call from XXXX XXXX I didn't answer. The person left a detailed message regarding fraud on my XXXX XXXX XXXXXXXX account. She also left a reference number XXXX. I didn't call back as I suspected it was a scam. Her voice was clear with perfect XXXX and she was quite calm. I called XXXX XXXX XXXX 2x last week and couldn't reach anyone. it didn't matter what dept I reached out to I received the same automated info as to how busy are. Yesterday I received postal mail from " XXXX XXXX XXXXXXXX '' to call them right away at XXXX as they received a credit card application in my name and they need me to verify that I submitted the application which I did not. I didn't call either. On the bottom of the letter it states if they don't hear from me within the next 30 days they won't be able to complete their review and they'll cancel the application. *Please note the letter is dated the same day as the call XX/XX/24 and contains the same reference number as in the call voicemail. It also appears a bit fake in some areas. It has been impossible to reach anyone at XXXX XXXX XXXXXXXX and I tried again today. I'm calling the number on my card but I'm wondering if my calls are being rerouted. To continue, I called my other bank today as I noticed that a hard inquiry was done BY XXXX  XXXX XXXX ON XX/XX/24 AS WELL. The rep from my other bank couldn't really assist but it was definitely done and lowered my score. I informed her of what is going on. I'm not sure what the next step is. I'll probably have to visit a XXXX XXXX XXXXXXXX as my calls are not being answering. I have no idea why they did a hard inquiry and more importantly without my permission or knowledge. I know about this as my other bank provides me with credit monitoring services. I'm very concerned about this situation. Thank you.
Product: Credit reporting or other personal consumer reports

I contacted collection agency bringing errors to their attention. XXXX accounts with XXXX XXXX, XXXX with XXXX XXXX, and XXXX and XXXX. Information was retracted. EQUIFAX moved the accounts from Collections so that they appear to removed ; but, placed the account under XXXX XXXX XXXX XXXX to maintain erroneous damage to my credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following inaccurate accounts that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your organization for the persistent failure to remove fraudulent items from my credit report. Despite my numerous and diligent efforts to address this issue, the fraudulent items continue to tarnish my credit profile, causing severe financial and personal distress. 

I have exhaustively followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that unequivocally demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are inflicting substantial harm on my creditworthiness and financial stability. 

It is imperative to underscore that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, like yours, are mandated to conduct thorough investigations and take necessary corrective measures when inaccuracies and fraudulent activities are identified. 

Despite my unwavering efforts and the substantial evidence I have submitted, I continue to endure the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms.

Higher interest rates on existing credit accounts.

Grave harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and decisive action to investigate and rectify the fraudulent items on my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. Please help me remove the following fraudulent items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

XXXX Bank account created at Barclays Bank Delaware ( XXXX ) XXXX Initial funding complete ( money transferred from Bank A to Barclays Bank Delaware ) XX/XX/XXXX Received e-mail that my account had been suspended. 
XX/XX/XXXX Called Barclays, XXXX. They requested drivers license, social security card, and utility bill. The requested identification was provided via e-mail within XXXX minutes. No specific reason was given for the suspension. 
o I had tried to set up external accounts for Bank A and Bank B between XXXX and XX/XX/XXXX I do not know exactly when. No amount of money was requested to be transferred I was just trying to have the accounts set up so that I would later be able to transfer money when needed. 
XX/XX/XXXX Called Barclays, XXXX since I had not heard anything. They said I should send the latest account statement for Bank A and Bank B accounts, both of which I had tried to set up through external transfer. They told me to wait until Friday XX/XX/XXXX for resolution. 
o Note that Bank XXXX is the XXXX originally used to fund the Barclays account. Bank XXXX is a different bank. 
XX/XX/XXXX My account username is no longer valid. It had been saying the account was suspended on previous login attempts, but now the online account is completely gone. 
XX/XX/XXXX Received e-mail stating We have confirmed your external bank account, and it has now been successfully linked to your Barclays account ( XXXX ). XXXX minute later, I received another e-mail saying that my account was suspended. 
XX/XX/XXXX Called Barclays, XXXX. Spoke to XXXX. They need a more recent statement but there are none since Bank XXXX only provides quarterly statements, and the account in question is a new account, created on XXXX. Bank XXXX last statement for my combined accounts there was end of XXXX, so the next statement wont be until the end of XXXX. 
XX/XX/XXXX Called Barclays, XXXX. Spoke to XXXX. She requested I send an Account XXXX XXXX including account number and first/last name as owner of account because the account at Bank XXXX was too new to have a full statement. 
XX/XX/XXXX Called Bank B, XXXX. Spoke to XXXX. Bank XXXX can not create an Account XXXX XXXX because it's a newly generated account. It could take 60 days. Barclays indicated that I had 30 days from the beginning of this investigation to provide all necessary information. 
XX/XX/XXXX Sent screen shot of account information page from Bank XXXX to Barclays, which includes account number, name, and balance more than what was requested by Barclays. 
No response received. At this point, there is no way for me to provide any additional information, and Barclays will not unlock my account. I will fail to meet their 30 day deadline, and I am concerned that they will take the initial deposit. The account should never have been locked. An appropriate action would have been to block external transfers until the necessary identification information could be obtained. 

Note : I am not attaching any attachments below to document what I sent Barclays as all attachments would contain personal information.
Product: Credit card or prepaid card

I received a XXXX withdraw on my prepaid debit card stated XXXX reverse transaction bc consumer. The prepaid card company stated it was a atm error from XX/XX/2023 from when i went to the atm and never recieved XXXX but the atm said i .did The withdraw from the prepaid card services was XXXX XX/XX/XXXX. They stated the atm made a withdraw and u took the XXXX out on a different date which means we had tk remove the money from your account. I stated none of thar make sense and I was given cash on the XXXX and the receipt shows proof. Phone rep stated no u didn't withdraw any money on the XXXX it was the XXXX and it's not showing the XXXX but it shows now XX/XX/XXXX so we have to take the money. I said that still doesn't make since and it sounds like it's a excuse to take my money. I said I have had you guys over XXXX  years and this is my XXXX time your company has to fraudulent stuff with my account. I talk to XXXX  bank branch because that's the atm I went to and they stated that reviewed there atm and nothing was wrong with atm and they don't know what the prepaid services card.com is talking about. The prepaid services told me oh well figure it out. I guess your out of XXXX deal with XXXX bank. Again XXXX  bank stated the XXXX is disputedable because I made no error and that card.com is finding an excuse to keep my money. 


This was the original email i sent to the company several time ( Good morning, my name is XXXX XXXX and iam a XXXX XXXX for the state of XXXX. Currently iam a member/card holder for card. Com services. The reason for my email is in regards to a XXXX charge debited from my account worded as manual refund transaction for bc consumer. When I caller card .Com a phone representative stated it was due to a systematic error from a atm. Phone representative stated XXXX  bank notated the account and stated it was a error with a withdraw submission for the amount of XXXX and had card.com withdraw XXXX out my account. Card.com stated it wasn't disputedable, they wouldn't do anything for me and for me to talk to the bank. XXXX phones XXXX  bank first of the incident and then went to a XXXX bank branch. I was in there for XXXX minutes with a branch manager. After reviewing my receipts, bank statements and history of the atm XXXX bank made no real error. They stated XXXX shouldn't of removed funds because even with the error the system still shows it was corrected therefore money shouldn't of been taking out my account. XXXX bank said the charge is disputedable and that card.com shouldn't of stated that. XXXX bank said everything was good in there end and that card.com shouldn't of took XXXX out my account. Respectfully I'm submitting proof and Respectfully asking for the charge to be reverse on my account. ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Account XXXX : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : No Current payment status : XXXX plus days late XXXX Late : XXXX, XXXX, XXXX, and XXXX Negative marks ( XXXX ) Charge-Off XXXX Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : Yes Current payment status : XXXX plus days late XXXX Late : XXXX, XXXX, XXXX, and XXXX XXXX Bank Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : Yes Current payment status : XXXX plus days late XXXX Late : XXXX, XXXX, and XXXX I have no knowledge of the inquires listed below. 

Inquiries XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX 2024
Product: Prepaid card

Bank of America froze my edd account out of the blue. Was given multiple explanations and the run around when I contacted them multiple times. Was force to appeal the decision that bank of America made. Which was to establish identity that I had all ready done with the edd office. 9 months of being asked to establish identity once again with the edd appeals office. Only to be asked to establish identity with bank of america. With the help of local officials offices, won the appeal. From XXXX to XX/XX/XXXX I received my unemployment. Then XXXX XXXX  my card is froze and the beginning of my down fall began cause of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit Crard Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

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

XXXX XXXX continues to go against the texas statue of limitations and updates the date of last activity on a charged off account every month ( example : now is showing last activity was XX/XX/XXXX but in reality last activity was XX/XX/XXXX, ( I offered a settlement ) This hurts my score and appears misleading to potential creditors, more every month for an account they have no legal right to update the dates on due the the statute of limitations being 4 years past. They are trying to keep this going as zombie debt.
Product: Checking or savings account

On XX/XX/year> I requested a dispute for a transaction that appeared on my XX/XX/XXXX statement for {$1100.00}. This was due to the fact that the company paused its operations and never provided the services that I paid for. XXXX credits were issued and the dispute process proceeded normally. I didnt see that USAA XXXX documents from me so they ended up closing the case on XX/XX/year>. USAA allows the dispute team to re-review and reopen the case if new documentation is submitted. On XX/XX/XXXX, I request a re-review on XX/XX/XXXX and submit the documentation that USAA asked for in the next day or XXXX. Eventually on XX/XX/XXXX, XXXX issued a document saying that USAA will not re review my case. When I called to ask about the reason, an internal message from the dispute team said case is now past time limit as referenced in your depository agreement and unable to reopen the case. When I inquired what time limit elapsed I was given several different answers with XXXX from a representative named XXXX saying the dispute documents had to be filed within 60 days of dispute case being opened, XXXX from XXXX saying a dispute couldnt go past 90 days and this in it of itself was a valid reason to close the case, and XXXX from XXXX saying the merchant had 60 days from the disputed transaction being posted on statement to have the case disputed and after 60 days USAA couldnt recover the money due to their merchant rights. All of these answers were not explicitly stated in USAAs depository agreement. The only time limit referenced in the agreement was that I had to notify USAA within 60 days of the transaction in question appearing on my checking statement which I did. When I said this to one representative, he said the USAA dispute team was like a bunker and that they cant get access. I requested a call back from a dispute specialist and was told the call would come from the USAA phone number but never received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX Balance Owed : {$15.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The cases with the XXXX  are not guilty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on there at all The case in Ohio is old as well it should be at lease XXXX to XXXX XXXX XXXX
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 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 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 INOUIRIES from my credit report. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I received my credit report XX/XX/XXXX and found that it has an inaccurate item reporting on my credit report. There are only two addresses listed on my credit report. The address below is not. 

XXXX XXXX XXXX  NC XXXX Address ID # XXXX The address for XXXX XXXX XXXX NC XXXX is ID # XXXX. The address is NOT listed on my credit report. What address is that? 

A copy of my Experian credit report is attached to this letter as proof. 

Please update or delete this item from my credit report. 

XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my report that I did not request, and I have reached out to the companies and the credit reporting bureaus, and I have not been successful in getting these things off of my credit report