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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost frustration and dismay regarding the continued presence of late open accounts and a public record on my credit report, despite previous attempts to have them corrected. Despite providing extensive evidence of inaccuracies and following the proper procedures outlined by your agency, these detrimental items persist, adversely affecting my creditworthiness and financial standing. 

Despite these persistent efforts, the inaccuracies remain unresolved, casting doubt on the accuracy and integrity of my credit report and hindering my ability to access credit and financial services. 

I demand immediate action to thoroughly investigate the late open accounts and public record and expedite their removal from my credit report. I have attached copies of all previous correspondence, dispute letters, and supporting documentation for your review, and I request that you conduct a comprehensive review of this information to facilitate a swift resolution. 

Failure to resolve this dispute promptly will leave me with no choice but to pursue alternative avenues for seeking redress, including legal action to enforce my rights under the FCRA and obtain appropriate remedies for the damages incurred. With this, I am asking for your assistance to remove the public record and correct these late open accounts or fraud items in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX  XXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX  XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy 4. XXXX  XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy
Product: Money transfer, virtual currency, or money service

Cash app kno n we scammers an glitches and stuff and fraud basically my XXXX sends me money that way and when I hit cash out to cash out and let it go to bank it keeps going instant per glitch on their end I hate cash app but this person only used cash app so when I been fighting with them they refuse to refund me fee they refused to fix anything and keep up with the same excuse plus they are known for scamming and doing his kind of stuff I had an atty contact me before because of this so I would like for them to refund my fee
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked that I was a victim of identity theft I found numerous accounts on my credit that wasn't open by me. This has been hurting me and my family. I am in a process of buying a home. Please remove the fraudulent accounts from my credit reports soon as possible
Product: Debt collection

Gurstel law has not only harassed me illegally, they have contacted my employer prior to contacting me, they did not send me any disclosures, they did not send any verification of the debt, they did not send option to dispute, they only sent me an exemption form and they sent this 7 years after they started harassing me. They also had the wrong address and wrong information thst lead me to believe this was not legit. Also years ago I sent them an exemption notice, so I already told them I'm exempt from garnishment and yet they still harass me. They are threatening me at my work place.
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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX BANK XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the payment status of my loans through Nelnet because they show 90 days late in XX/XX/2022 and 120 days late in XX/XX/2022 but my loans were in deferment effective XX/XX/2022. After my dispute these loans are still showing with late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I get phone calls every weekday and sometimes on the weekends from Municipal Services Bureau saying that they care calling on behalf of the Hawaii XXXX XXXX XXXX. The message is automated so I can't talk to a person. They refer me to a website ( XXXX ) and a they leave a phone number ( XXXX ) XXXX. However, when I look on the website the names of the people who owe are not mine. I'm worried that if I call them and talk to someone that they can continue to bother me with phone calls because I responded to their call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in twice with my information ID, Utility bill with my address and SS Card asking to remove all old and some that did not belong to me and also called in regards to a XXXX XXXX XXXX I never lived at. I asked them to put my XXXX name, XXXX address, XXXX SS # and my work and they have refused to remove the XXXX XXXX XXXX is still showing on my ( EXPERIAN ) credit report and they were the only bureau that will not remove it.and delete this from my personal information.. 
. 
Under U.S.C 15 sec 1681b ( 603 ) p That I have the right to have my correct or update my personal information.

Under U.S.C 15 section ( 604 ) A section 2 it also states a cosumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

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

Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted Equifax and spoke with a representative that stated that request to remove was done ; contacted XXXX   and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.
Product: Checking or savings account

On XX/XX/2023 I have problems switch XXXX trying to take money from my account which lead me to calling my bank which is ( CHIME ). When I search chime in the XXXX data base it gives you a fake chime website and a fake number which is XXXX, me not knowing I called the number and it sounded like a chime representative they access my whole account through some app called ( XXXX  ) what they told me to download but Im still XXXX to the fact that these people are SCAMMERS. I did everything they told me to do about trying to get the XXXX to stop trying to take money from my account. Weeks before this I had already called to report my card lost or and stolen and XXXX were still trying to take my money. As Im on the phone with these SCAMMERS they was able to get into my account and sent themselves {$1500.00} of my money through PAY A FRIEND on the CHIME APP because the app XXXX  shared my screen with these SCAMMERS. As soon as this happen they tried to take another {$120.00} out of my account but it flagged it about saying that the pay a friend was unavailable because you recently sent out a unusual transaction and it didnt go through immediately I asked for they name and badge number and they hung up thats when I knew I something was not right. So somehow I called a guy friend and asked to look up CHIME phone number and it gives them the real phone number. I called them to report what had happen and they told me that they will file a dispute which they have denied multiples time and Im still out of my money. They said the last investigation date was XX/XX/XXXX and still no funds. I filed a police report and have videos of some of these happening. Could someone please reach out to me please. I have XXXX kids and bills I behind on my car insurance and I need help in regards of this matter. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Exoerian claims to oof some membership they say is free. However they have been charging me {$24.00} on a weekly basis. I didn't sign up for any paid service and it is unclear what the service it is providing. I can not log into the website to cancel this service or call them. The phone refers me to the website and the website refers my to call. So I am being charged with no way to make it stop. In addition I have no idea what service they are charging me for. 

None of this should be a factor because allowing the reporting agency to charge for any service or to sign people up automatically for overpriced service is not compliant with the fair credit reporting act. As it is neither fair or a free report at all. It is like allowing the officials of a football game to also bet on the outcome of that game. Because I have no faith at all that you will do anything or can do anything about this. I now have to cancel my card and change my account. Then post it on social media so people know to stay away from the free service and hopefully generate some action for you folks with complaints. Look to see if there is a class action suite against them. I imagine you have failed the people by giving so much unchecked power that people are far to afraid to do anything let alone seek justice.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2024 to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

Applied for credit on XX/XX/year>, XXXXXXXX XXXX PDT, but got instantly denied by the automatic system. 

Called in PayPal Credit, but the rep was unable to track or found my account. Its been a month I am facing this issue. 

Kindly advise your position in this matter!
Product: Credit card

I am writing to file a formal complaint against Capital One concerning the handling of my Capital One Quicksilver Credit Card application and subsequent account closure. 

On XX/XX/2023, I successfully applied for and was approved for the Capital One Quicksilver Credit Card with a {$200.00} sign-up bonus. However, on XX/XX/2023, my account was temporarily restricted, and I was instructed to provide supporting documents, including a State Government-Issued ID, Social Security Card , Proof of Residence, and Bank Statements XXXX 

Promptly, on or around XX/XX/2023, I submitted all the required information as requested by Capital One. On XX/XX/2023, I received a call from a Capital One representative stating that the supporting bank statement from XXXXXXXX XXXX that I initially provided did not include an account number which they required. In response, I immediately sent an alternative bank statement from XXXX XXXX on the same day to fulfill this requirement. 

Subsequently, on XX/XX/2023, having received no response from Capital One, I proactively contacted them for an update. During this call, I was informed that my documents were received, and they needed additional time for processing. Following their advice to be patient, I waited several weeks for a response. However, not receiving any communication, I decided to follow up on XX/XX/2023. 

During this call, I was informed that Capital One had received and processed the supporting bank statement from XXXX XXXX but required further verification of the ownership of the account. The Capital One representative initiated a conference call with XXXX XXXX, during which the ownership of the account was verified. Subsequently, the representative requested a final piece of information : three months of bank statements from the verified XXXX XXXX account. I promptly submitted these supporting statements minutes after the call. 

To my astonishment, on XX/XX/2023, I called Capital One once again to inquire about the status of the verification process, only to discover that my Credit Card account had been closed on the same day as my previous call on XX/XX/2023. The reason provided for the account closure was inaccurately stated as my failure to supply the requested supporting documentsan assertion clearly contradicted by the fact that I had diligently provided all requested information at each stage of the process. 

This unfortunate situation has led to considerable inconvenience, and it appears that Capital One, through false statements and expressions of hope for the verification of my supporting documents, has misled and deceived me during the intervening period. I request a thorough investigation into this matter and a prompt resolution to rectify the unjust closure of my Capital One Quicksilver Credit Card account.
Product: Debt collection

Placed for collection XX/XX/2020 and this company is reporting inaccurate information on my credit report saying that i owe {$700.00} wihich i havent even did ant business with this company.
Product: Credit card or prepaid card

It is about a XXXX XXXX {$50.00} card that was gifted to my daughter on her XXXX birthday, XX/XX/XXXX. 

Like all the gift cards i received for her birthday, i kept it until she may decide on what to use it for. 

When we tried using the card more than 2 yrs ago ( during the lockdown ) it won't work. I called XXXX ( XXXX ) XXXX at least 3x, i was just told that they can't do anything anymore. 

I didn't even activated that mastercard debit card. Expiration is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am filing this complaint independently, without any third-party involvement. Enclosed are letters detailing significant discrepancies in my credit report across TransUnion, XXXX, and XXXX. These bureaus have reported inconsistent and untimely information.