23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I am writing to request a goodwill credit update. Most recently I have lost a grandmother due to hurricane ida. Became stuck there while trying to attend her funeral to then be impacted from XXXX  and being in the hospital for a month. During this time when I go back thru my emails I do not notice any email statements from Nordstrom. So on top of my hardships, I didnt get my statements properly. So I had a balance of XXXX originally that now became past due and now reported to the cbr for XXXX. I have never been 30 day late in the history of my account. So i called Nordstrom to ask for this courtesy to advised I had not only been impacted medically but also by a natural disaster that caused death was told no such update can be made and was advised I have a 60 day late payment and the last payment I made was in XXXX, Now with review of my statements I show with the payment I made in XXXX that left balance of XXXX left due on XXXX that payment went over 30 days when no payment was received by XXXX So the payment would not be 60 days past due until XXXX. So this request may not get me anywhere but as working for a credit institution we even have a goodwill credit update process so I really can't believe a corporation as big as Nordstrom doesnt. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Hard inquiry/ Hard Pull by Navy FCU on XX/XX/ that I did not authorized.
Product: Credit reporting or other personal consumer reports

Hello dear credit Bureau, I have noticing an error on this account. Ive been reporting it and it havent been fixed yet.

And this error is obstructing my ability to obtain credit or having a credit on a good standing To have the initiation of buying a house on the near future.

1st. Account type default is not showing the exact account type on one of the credit bureau please I want that to be fixed 2nd. the open dates are not being accurate on these account please fix it so I can get a good standing on my credit.

3rd. The last reporting day on one of the account is not the correct I would like for you to fix it please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed letters to XXXX Transunion, and XXXX  on XX/XX/2021 about these violations, inaccuracies, incorrect, errors, and inconsistent report on my credit profile. According to the FCRA the reports should be 100 % accurate and the accounts on my report are far from 100 % accurate. Also I have not received any letters in the mail about this matter in a timely matter and that is another Violation according to the FCRA. Something needs be done and they need to be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a paycheck in the amount of {$480.00} from the staffing agency with which I am employed. I went to XXXX ( store # XXXX, located in XXXX, Oregon ) to cash said check, as I had done twice before without incident. 
The company that XXXX uses to " verify '' checks presented declined my check, without explanation. The information provided on the receipt led me to a website, https : //www.askcertegy.com/, which informed me that the decision was final, and no dispute was possible. I was given an option to receive a free copy of my credit report, which is entirely unconnected to the cashing of this payroll check. 
Certegy does not maintain a dispute resolution process. They are not beholden to the individuals whose financial records they demand unfettered access to. They refuse to provide any information regarding their check-cashing criteria to anyone, including the merchants who use their services, or, it seems, even to the United States government.
Product: Mortgage

XXXX : XXXX RE : Chicago Title Insurance Company In Regards To The Federal Trade Commission ( FTC ) Identity Theft, Fraud, and Money Laundering Complaint With Regards to ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And The Property Located At XXXX, Illinois XXXX Along With Its Connection to the XXXX case number XXXX and the Appeal XXXX Dear U.S. Consumer Financial Protection Bureau : Please review the attached XXXX PDF Document Link about the above said matter. 
XXXX My former spouse, XXXX XXXX XXXX " XXXX '' committed Identity Theft, Fraud, aggravated Identity Theft, Impersonation, Theft, Money Laundering, and various other criminal action upon me and my titled property located at XXXX XXXX XXXX ; XXXX XXXX, Illinois XXXX. 
I have interest in my property from investment payments I paid onto the said mortgage, till my former spouse filed for divorce ; whereby, my former spouse stole funds from my XXXX XXXX XXXX for my parent company XXXX XXXX XXXX. 
As you can see from the provided documentation, my former spouse XXXX XXXX XXXX " XXXX '' has committed Home Owners ' Insurance Fraud when he filed a claim on XXXX XXXX, 2013. 
The Chicago Title Insurance Company has been aware of the cases and the controversy surrounding the said property for their agency is located within XXXX XXXX County, Illinois at the following address : XXXX, Illinois XXXX Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Cooperation is defined by who we are. 
-- Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Chief Executive Operations Director XXXX, Illinois XXXX Tel : ( XXXX ) XXXX ______________________________________________________________ NOTICE : This E-mail ( including attachments ) is covered by the Electronic Communications Privacy Act, XXXX, is confidential and may be legally privileged. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. Please reply to the sender that you have received the message in error, then delete it. 
______________________________________________________________________________
Product: Credit reporting or other personal consumer reports

TransUnion Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inability to manage Equifax Freeze I have been trying for multiple days to manage an Equifax Freeze online. I kept getting a message online to call. When I would call I would get a message that said manage freeze online. I finally spoke to an Equifax employee and no matter what I asked all she said was, I am unable to help you, please call again later. 

No explanation saying upgrading server, just try again. And I have been trying since last week. This is for a loan for a car that my credit union only works with Equifax. 

This company, Equifax, has the ability to deeply impact my life, holding onto my information and I have no control over or recourse against. And all they have to say is, try again later. 

Equifax needs to be held accountable. Right now they are not.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Debt collection

NC Medicaid paid this bill already. Please have PMAB , LLC review their files notify any credit reporting agency to delete any item associated with this account # XXXX {$150.00} date XX/XX/2015.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

Wellsfargo has intentionally, knowingly, and flagrantly refused to reimburse me for {$300.00} that I was scammed out of by XXXX Representative. 

WellsFargo has blatantly disregarded clear and convincing evidence of which a reasonable person would have duly considered. 

Wellsfargo reverse XXXX consecutive provisional credits that they gave me, for the purpose of resolving the matter. 

Refer to Provisional reversal reference number # XXXX The mistreatment that I received from WellsFargo is overwhelmingly revolting to my consciousness.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

i sent the XXXX XXXX letters on XXXX, disputing the inaccurate and incomplete accounts they are reporting on my credit report. 15 usc 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY BELOW FOR YOUR REFERENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have necessary paperwork to all three bureaus to get some accounts removed that were not mine and Equifax has failed to respond to my request and failed to remove the accounts from my credit file. XXXX  an XXXX have removed all of the inaccurate accounts.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
Product: Credit reporting

Equifax has " added '' a name I have not used in 20 years-XXXX-says it 's a new name replacing " XXXX XXXX, which I always use or if needed my legal name XXXX XXXX as on my XXXX card, no middle initial used. 
2nd : There are many car dealers whom I do not know or have given them to check my creDit. I am furious with this. Only XXXX dealers authorized recently : XXXX and XXXX. NO OTHERS!!! 
3RD : I actually have not checked of late, but a Student Loan was listed and should not be, satisfied due to XXXX from XXXX. 
4th : Car loan with XXXX. CAR WAS PAID FOR WHEN SOLD AT AUCTION. Price I owed is way off, it should " only '' be about XXXX and that was total profit. XXXX received XXXX for a XXXX dollar car in XXXX years time. Plus the loan was in XX/XX/XXXX. Should this still be on my credit report? 
4th : Lastly, there are tons of unpaid medical bills. This should not show on my report due to privacy laws. Plus, many bills are just repeats. Some should have been paid by XXXX. All bills from XXXX XXXX, XX/XX/XXXX, were paid or cleared by the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I attempemted to purchase batteries at my local XXXX XXXX ( XXXX # XXXX ) in XXXX, CA [ XXXX ] at XXXX am using my CAPITAL ONE XXXX ending XXXX for a total of {$2.00}. I tried a second time at XXXX. Both times the receipt said " DENIED BY ISSUER ''. I ended up paying cash. 
When I got home later that day, I attempted to access my online online account to see what was going on. They made me change my password. Afterwards, I still could not access my account. 
So I decided to phone 24-Hour Customer Service at XXXX. I am XXXX and in a XXXX. I have great difficulty with automated systems. I was struggling to get alive operator when the automated system told me to say " representative '', which I did repeatedly. Around XXXX XXXX, a voice responded identifing itself as " XXXX ''. He asked me if I had my card and a number from it. He then hung-up. So Capital One refused to help me with this issue.
Product: Credit card or prepaid card

Good Afternoon, I have an American Express Serve prepaid card in which I allocated my direct deposit to this past week of XXXX. I called and confirmed with the Customer Service agent at Amex Serve if I was able to receive a deposit over $ XXXX ( since I was getting my bonus ) and she did confirm that this was fine as long is it didn't exceed $ XXXX. I received two direct deposits on XX/XX/2021, the first was for {$3700.00} ( regular payroll ) and the second was for {$11000.00} which the latter was my bonus payment. Both deposits were from my employer, XXXX XXXX. I was able to access my funds within an hour of deposits however during the course after midnight my account was locked. I called American Express Serve customer service and they directed my call to Account Protection Services for Amex Serve. Account Protection informed me that my card was permanently locked/suspended. I've received no clear reason as to why this has happened. I have reached out over 10 times since XXXX to Account Protection Services ( XXXX ) but constantly get the run around that they are reviewing my account and will provide an answer within 1-2 business days. Today I was told I may have to write a letter to find out the reason?? This is unfair banking practices in that I can't access my funds to pay bills etc., and they are keeping me from accessing my money. Per their customer agreement, direct deposit limits are up to $ XXXX for the entire year. 
I've further researched the internet and found similar complaints in which there are several cases in which Amex Serves suspends an account and makes the customer write a letter to find out this reason without any clear answer as to when one could access their funds. I am writing to request help in escalating this matter to receive my funds. I have not had access to my funds since XXXX XXXX XXXX XXXX with no clear answer as to when I will be able to use my card again. 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX, Citi generated a letter to me that they were closing my card, ending XXXX, for no recent use ( in the past 12 months ). I do not recall the date the letter was received other than it was in XX/XX/XXXX. Today, XX/XX/XXXX, I spoke with a representative of Citi Cards who first told me they have the right to close the account without warning, and who also told me they could reopen the account. However, when we started to reopen the account, he was asking the same questions that a new account holder would go through. Thus, they wanted me to reapply, which would include a credit check. 

I have had this account with Citi since XXXX. In that time, I have built the credit line up to over {$30000.00}. This card is my oldest account and closing it will have a dramatic and negative impact on my personal credit reports with all 3 of the credit bureaus. 

In addition, I was provided with no notice whatsoever to allow me the opportunity to use the card by a certain deadline. XXXX Card just sent me a notice about my account with them that I would need to use the card by a date in XX/XX/XXXX, or the account would be closed. 

I believe the arbitrary closing of my Citi account was purposely done to require a new credit report and application. This should not be allowed. Citi regularly pulls and reviews my credit report, as evidenced when I review my credit reports on XXXX. In addition, I have a second Citi card due to my Costco membership. Thus, they review my report twice each month, once per card. 

At the very least, Citi should provide a deadline to use the card or risk closure. If Citi is going to fall back on the credit card agreement, I want and demand a copy of all the credit card agreements to see if this was ever contained in any of the agreements, and when it was changed. Even if it is in the agreement, this should not be allowed as it negatively impacts consumers credit, which is so hard to build and maintain. 

Citi should be forced to reopen my account, with the same credit line, and without a new application. Citi, being a major bank and knowing how closing a credit line will impact it's customer, should be fined and penalized for this unconscionable practice.