23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I went to my local bank to get a cashier check I gave my card and ID to the banker over there who stated that my card shows that it was reported lost and no longer active to use and that I will receive a new card in the mail. I destroyed my card and throw it away. A few days after I start getting charges on my card that the banker told me it was no longer active. Total charges were around {$2900.00}. The bank havent fix the problem yet. But I have a feeling that they are doing something wrong to other people too
Product: Student loan

I have a XXXX loan dating from 2002. I pay {$380.00} per month. The loan was for {$52000.00}. I had one bad year financially and requested relief. They said fine and proceeded to charge me roughly {$6000.00} which was apparently added to the principal. After 14 years of payments, the principal is still {$43000.00}. Navient now has the loan. the loan is in my ex-wife 's name. I have always paid it. the student was my daughter.
Product: Credit reporting or other personal consumer reports

[ 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 XXXXXXXX XXXX Subject : Dispute of Incorrect Account Status Reporting Dear Sir/Madam, I am writing to formally dispute the incorrect status of my closed account that has been reported on my credit report. Specifically, I have noticed that my account is showing a XXXX status since XX/XX/XXXX. This status is inaccurate and does not reflect the true standing of my account. 

The account in question was closed, and I have consistently worked to resolve any outstanding balance, yet the XXXX status persists on my credit report. I believe this entry is erroneous, and I request an immediate review and correction of the account status. If this XXXX designation is the result of an administrative error or other miscommunication, I ask that the account be deleted off my credit report to reflect the actual situation of the account. 

As this information is adversely affecting my XXXX XXXX and financial reputation, I request that you kindly investigate and resolve this matter as soon as possible. I would appreciate it if you could provide me with written confirmation that the status of my account has been corrected and that the updated information has been transmitted to the credit bureaus. 

Please find attached a copy of my credit report showing the disputed entry and any other relevant documentation that XXXX assist in the resolution of this issue. 

Thank you for your prompt attention to this matter. Should you need any additional information or documentation to process my request, I am happy to provide it. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

I received a text message starting with CHASE BANK ALERT, claiming that someone in another state was attempting to access my account. The link provided in the text requested loads of personal identifying information. I closed this account over a year ago so I am very certain the text and website are fraudulent. I am pasting what the text said below : CHASE BANK ALERT : We detected an unusual attempt at XXXX XXXX XXXX XXXX, AZ XXXX. If this was not you, use the secured link to verify your identity and secure your account : XXXX XXXX XXXXXXXX? Verify
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill XXXX collections in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting or other personal consumer reports

Attached is a police report for proof the following credit card accounts thats currently listed on my XXXX and Equifax credit report are not my credit card accounts : XXXX XXXX XXXX XXXX {$360.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX, {$330.00} and XXXX XXXX XXXX, {$340.00}. All of the hard inquiries currently listed on my Equifax credit report are not my credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my car originally through my bank, XXXX XXXX XXXX. I dont know why my car loan history has dropped off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$12000.00}
Product: Debt collection

Really dont know who is this bank, is. And if this was my account and don't remember it's very old and want it off my credit report, over 20 years old
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a re-investigation from Equifax. I requested that XXXX XXXX XXXX ( XXXX  ) reporting be verified. The date of the last payment is not reported. The months reviewed is not accurate. I am requesting the method of verification. Equifax is reporting this account without a date of last activity, therefore Equifax is re aging this account. This account has passed the 6 years statute if limitations ( SOL ) in  Tennessee. Equifax continues stating the account date of last activity is verified yet left the information blank on the report.
Product: Debt collection

DCI, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.
Product: Mortgage

I Have made 3 attempts to make my payments to PHH mortgage Services, they have transferred my account from XXXX XXXX XXXX and joined with them, but they have returned my electronic checks from my bank to make payments on my mortgage, they have offered other options to make payments thru debit cards and they too have not been accepted and returned
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes submitted pertaining to MMCA account and yet the account continues to report incorrectly. This account has already fallen off the other two credit bureau reports and should have already aged off of XXXX  as well but I do not feel they are looking in-depth into the account or contacting MMCA about correct payment information or balances. This tradeline should no longer be reporting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several time get answer for TransUnion dont get help this company still reporting accounts violet my right under fcra 15 usc 1681 ( 2 ) ( a ) ( I ) state transactions and experience between consumer and the person making report are not included in consumer report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank account is never late please update account ) XXXX XXXX XXXXXXXX account is reported incorrectly because is never late please update ( XXXX ) XXXX XXXX XXXX is opened fraudulent XXXX XXXX XXXX account is opened fraudulent
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 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

TD Bank is illegally charging overdraft fees even though I have a binding overdraft protection contract with them for two specific accounts. TD bank decided to stop transferring funds from a linked account in order to prevent over draft fees but Instead took advantage of me to make profit with high overdraft fees. TD bank engages in predatory banking with their excessive and unethical unfair banking practices. I need my overdraft fees reversed because a binding contract to offset and prevent overdraft fees is in place. TD bank made me go to a local branch in XXXX, Delaware to sign a document that will link my savings account to checking account so that I would avoid getting charged overdraft fees. When I asked why they stopped transferring money from a linked account to checking account so I may not get charged excessive fees, I was told that we dont know mum. In addition, I was advised by TD bank not to manually transfer my money from savings account, to allow their system to cycle itself and cover debit transactions.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that accounts are missing off of my Equifax report. I notice its inaccurate and missing accounts. Please verify all account information and add necessary accounts to my Equifax.. Im in the process of buying a house and this is costing me thousands of dollars. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2019 ) since then the payment history is inaccurate and I never made a payment on that account. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Created on : XX/XX/2022 file Identification Number : # XXXX, provided by XXXX XXXX XXXX. Investigation Results- DELETED : The dispute item ( s ) XXXX XXXX XXXX was removed and deleted from my credit report. 

On said and about date XX/XX/2022, I received an alert from Experian, detailed XXXX, XXXX  has flagged my account as Collection on XX/XX/2022. 

15 U.S.C 1681 Section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX -Balance {$2600.00} XXXX -Balance {$0.00} XXXX {$46000.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received XXXX Visa prepaid cards last XXXX. I registered them recently and verified that they were XXXX {$300.00} each. I reaasigned a new pin number to each XXXX. I went to use them XXXX/XXXX/2024 at a local XXXX and XXXX went through just fine the other was declined. I called the number on the back and found out the card had no balance and had been used in Texas on XX/XX/2024. I live in KS and have had the physical card at all times. All the company did was deactivate the card and gave me some double talk about nothing and did u have any questions. Well yes I do, how do I get my card back with a balance of {$300.00}? I didn't buy it or get a receipt for it, they were both given to me last XXXX after the death of my mother.
Product: Debt collection

Back in XX/XX/XXXX we started receiving bills and collection notices from XXXX in Illinois for charges incurred at XXXX XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX XXXX Illinois. We have NEVER resided at either of these addresses, nor have we incurred the charges mentioned. We have lived in Wisconsin XXXX  sinceXX/XX/XXXX and do not use XXXX services. We notified XXXX of this and they turned us over to XXXX XXXX for collection.
I was a victim of identity theft inXX/XX/XXXX and hired XXXX to help resolve this problem. I did everything as instructed, including filing a police report and sending all necessary documentation to XXXX to forward to both XXXX and XXXX XXXX.
This was done, and XXXX and XXXX XXXX persist in pursuing this debt, which was not incurred by me, and they are ruining my credit record. I will not pay a debt that was not incurred by me and I have done everything I can to clear this up. It cost me {$300.00} to get XXXX to pursue this and it has n't stopped.
Product: Debt collection

I received a overnight XXXX letter from company Atlantic credit finance XXXX XXXX XXXX VA XXXX XXXX we received a letter stating this was in Pre-legal notification to contact them to make arrangements with a payment plan of XXXX bi weekly by XX/XX/2019 or they will forward this to an attorney for litigation. Please keep in mind we have never received a ( 1st notice ) Letter ) this was the 1st letter that was ever received. I contacted this agency and wanted to honor what they had in writing for a payment arrangement, I spoke to two representatives by the name of XXXX and XXXX both advised me they could not honor what was in writing without a down payment of a percentage down? I advised them both this was not was was in writing and all we would like to to due to our financial status that I could afford. Both refused to honor what was received in writing. I have kept this correspondence along they both advised me that the call was being monitored and both did not give me the full mini Miranda. I will still mail in what the correspondence I received to show my good intent while there poor practices along with taking advantage of me as a consumer by misleading me to contact them with arrangements they offered me in writing and would not accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I written your division through the years and nothing was ever resolved, my complaint 's started with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX, I report them as fraud when I found out in XX/XX/XXXX my home was paid in full and I do not have a mortgage, On XX/XX/XXXX XXXX XXXX XXXX XXXX has transferred the services to XXXX XXXX XXXX and last I spoke with them on XX/XX/XXXX I informed them I owed nothing on my home, but they are reporting to the credit bureau Derogatory status on my credit report in the amount of XXXX. If it was deteremined that XXXX XXXX XXXX was Fraud and should not have been collecting any payments on my home this new company is attempting to do the same thing. I've owned my home since XXXX with XXXX in additional payments. 

Get proof the loan exist.