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

I am filing a complaint against XXXX Credit Card and [ Experian, Equifax, or TransUnion ] due to inaccurate and incomplete information on my credit report. Despite my dispute, these errors remain unverified and uncorrected, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Issue : XXXX. Missing Payment History ( XX/XX/XXXX XX/XX/XXXX ) : XXXX XXXX Credit Card ( Acct # XXXX ) is missing payment history for over a year. Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must ensure that reported data is complete and accurate. If Ally can not provide this information, the record should be updated or removed.

2. Incorrect Credit Limit Reporting : My credit limit was {$1000.00} in XX/XX/XXXX, but it was later changed to {$1900.00} in XX/XX/XXXX. If this change was not accurately reported, it violates FCRA 15 U.S.C. 1681i ( a ) ( 1 ), which requires the bureau to investigate and correct errors upon dispute. 

XXXX. Unexplained Balance Fluctuations : My balance increased from {$50.00} in XX/XX/XXXX to {$880.00} in XX/XX/XXXX, even though my records show payments were made. This inconsistency suggests either misreported transactions or a failure to properly apply payments, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires creditors to report accurate information. 

XXXX. Failure to Remove Unverifiable Information : I disputed these issues, yet XXXX and the credit bureau have not provided verification. Under FCRA 15 U.S.C. 1681i ( a ) ( XXXX ), any information that can not be verified must be deleted. 

XXXX. XXXX Credit Cards Failure to Investigate Properly : Ally is obligated under FCRA 15 U.S.C. 1681s-2 ( b ) to investigate disputes submitted by credit bureaus, but they have failed to provide documentation or correction.

These errors have lowered my credit score, affected my ability to secure credit, and caused financial harm and stress. I have wasted time disputing these inaccuracies, yet they remain unresolved.
Product: Debt collection

On XX/XX/year> I notified GUARDIAN CAPITAL MANAGEMENT via email that they were reporting an account that was a result of IDENTITY THEFT. In this email I provided a copy of the FTC IDENTITY THEFT REPORT, my DRIVER 'S LICENSE, and SOCIAL SECURITY CARD. 

I have requested that this account be removed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it was a result of IDENTITY THEFT. 

I'm filing this report, so CFPB has record that I have attempted to get this debt removed. Included in this report will be a copy of the following : Driver 's License Social Security Card FTC Identity Theft Report
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX  bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I tried to login my credit karma account to see my credit score results and didn't let me see it.
Product: Money transfer, virtual currency, or money service

Zelle, I had transactions and friends struggling to get money send to each other which led us to not receive it. This didnt warn us that we cant back out if we send to the wrong person or refund were willing from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX JPMCB - CARD SERVICES add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

First I need to state my right to pri

vacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you
are required to protect my privacy I need this matter handled with the utmost urgency. 

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 or other personal consumer reports

I am a XXXX veteran who has had fraud committed against me as a result i had to file for bankruptcy. This included a Capital One account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached explanation. I sent this letter to all three credit agencies and XXXX XXXX to plead for an act of goodwill.
Product: Credit card

American Express increased their annual fee by 50 % and notified me via email. They do not allow account closure through their website. I called to close my account and was placed on hold. They indicated they would call back. I said " Ok ''. An hour later, on a six minute wait, they still haven't called back. So I tried to connect with them online through their " Chat '' feature. They are showing this message " Due to high volume, a Customer Care Professional is unavailable to assist you at this time. Please try again later or call the number on the back of your Card. '' It's clear that AMEX is avoiding closing my account by simply not closing online and refusing to address requests through their " normal '' account closure channels. I clearly don't want to pay the renewal fee, and they are clearly hoping I will forget about it if they make closing my account hard enough. Essentially they're trying to steal {$150.00} from every person who wants to close their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX   XXXX. XXXX XXXX reported 4 late pyts to XXXX which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and XXXX  ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX XXXX after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my 4 grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call XXXX saying perhaps they could help me. All XXXX  did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX XXXX to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.
Product: Checking or savings account

Hello I bank with Chase Bank and theyve locked my account with over {$5000.00} dollars in cash in there and they are tell me that I cant bank with them anymore and they wont give back the cash I had in there! I deposited a check that I would usually deposit in my other bank account but I decided to cash it in this XXXX and because the name of it was wrong they decided to lock my account and keep my own cash and they are saying well keep the money for XXXX years then surrender it to the government this is not acceptable they have no right to my hard earned money and I am not required to go through such a time wasting experience, I will no longer deal with this but I still want my money dont ask me questions and dont give me papers to sign please just get this done with XXXX XXXX XXXX XXXX I cant put time into this but this is money thats gon na get me through college so please just help me with this! After all this is MY money, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to principal is notice to agent, NOTICE TO AGENT IS NOTICE TO PRINCIPAL : I was a of victim of Identity Theft. I contacted and I contacted XXXX, XXXX XXXX AND EQUIFAX several times and submitted my Identity theft report XXXX to XXXX by fax and upload. XXXX keeps violating the credit reporting act by continuing to report fraud account son my reports. 

XXXX, XXXX XXXX AND EQUIFAX says per their policy ( not the law ) they can continue to report the fraud accounts and violate me and the fair credit reporting act with no concern because XXXX sold the fraud account to a unknown party.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Late payments are being reported after the account was closed. This is a fcra violation and you can be fined up to {$1000.00}. Update immediately. 

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

Im unable to access my membership online and Im getting error messages and I would need a ticket to put in to fix the error on my Experian credit report account unable to see my credit score and dispute any items
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 XXXXXXXX # 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 or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX 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

Dear XXXX, In the results of your Third investigation, you stated in writing that you verified that this item ( XXXX  XXXX ) ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX  XXXX XXXX  ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX  provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX XXXX report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries. 


XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

After getting a landline phone and number, we started to get debt collectors calling for debts that do not belong to us and that the people they are looking for we have never heard of. We tell them that there is no such person, however, these debt collectors keep calling!! Can you help us? XXXX of the companies is " Enhanced Recovery '' at XXXX and XXXX. Another is XXXX XXXX ( or that is what it says. However, that is not them.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found that my old Wellsfargo Bank 's balance on a account I thought we resolved. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. And I found multiple inaccuracies with the way this account is reporting and would like it completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inqiry was made by XXXX XXXX XXXX XXXX on my Trans Union credit report on XXXXXXXX XXXX XXXX. I never authorized this inquiry.
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently evaluated my credit report and saw accounts reporting that I did not recognize.
Product: Bank account or service

I opened a new checking account with US Bank in XXXX of this year. I opened this account as a result of a promotional email I received from US Bank. The email stated I was eligible to receive a signup bonus of {$150.00} for the account, after I completed a series of qualifying direct deposits. I completed all of the direct deposits, and confirmed this with the bank that I had satisfied the requirements. The bonus never arrived, and after I called the bank to inquire as to the status of the bonus, the bank informed me that the promo code was never attached to my account. I find this unacceptable, as I clicked the promotion link directly from the email I received from US Bank. The email clearly has the promo code in it also, but US Bank still refused to take that code, even though I clearly had it and had applied through the promo link. After opening this account, I also received email confirmation on XXXX XXXX directly from US Bank from XXXXXXXXXXXX, and in the email it was confirmed by this bank representative that the promo code was attached to my account.
Product: Money transfer, virtual currency, or money service

I have been in touch with more than 1 month finally their executive assured me after submitting affidavits I will get my funds back it was on recorded line as of XX/XX/2022 but yesterday again they humiliated and refused to honor their on words Im feeling helpless
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sends regular non-account specific marketing emails and tries to pass them off as non-marketing emails. On the bottom of these emails they say you can not unsubscribe from them. 

" Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. '' A " recent change to your account '' can be : - a change in credit balance This is NOT a legitimate account specific update, and even if the company argues it is, then I should be able to unsubscribe from it.
Product: Credit card or prepaid card

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry