23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I opened a XXXX store credit card in 2010. I actively used my card to make purchases, was a loyal customer, never had any late or missed payments on the account, the creditor was never included in any bankruptcy filing, never received any communication from any court or attorney in regard to any bankruptcy, and has no first-hand information whatsoever regarding any such filing. Yet, this creditor has coded my account for bankruptcy and is communicating this status to the credit bureaus. When I disputed the matter with Equifax, they performed a cursory, automated verification and told me that the item has been reported correctly. When I wrote to XXXX XXXX ( XXXX ), they told me that the credit bureau notified them of a bankruptcy filing, so they updated the account, and would not change it. I do n't find this explanation satisfactory. They should not be able to send the same information back and forth between Equifax and XXXX, both citing the other as the source of the information, and claiming the information from the other party validates the information. It 's a circular argument. I 'm asking that the creditor remove the comments pertaining to bankruptcy on my account, or delete the account altogether due to their failure to respond to my dispute with any information to back up their claim. Thank you for your assistance. I 've attached some of my correspondence pertaining to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account multiple times with XXXX and also with Affirm. The information is still reporting incorrectly to my credit report. The status on my credit report should show paid. It's reporting status is showing as past due 30 days. It has been reporting as that since XX/XX/2020 despite several efforts to get it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma, Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to XXXX XXXX which is now my XXXX servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to both TransUnion and XXXX regarding inaccurate and incomplete information that is reporting on my credit report. They have not responded nor investigated the incident. The letter is attached to this complaint.
Product: Bank account or service

My account is currently negative {$14.00} and some change. This is surprising since I have deposited roughly {$1700.00} in the last few days as well. On Friday a deposit was made from payroll that made me positive. Wells Fargo reordered ACH transactions that were done on the same day so that the larger {$400.00} payment came out before the smaller {$120.00} payment came out causing me to be charged {$35.00} overdraft fees for both when I might have had XXXX otherwise. Then a second ACH deposit came in on XX/XX/XXXX and they delayed the deposit an additional day causing me to be charged XXXX more {$35.00} in overdraft fees. Not only that, but because this puts my account negative again any transaction that clears that is current pending will cause even more overdraft fees. Wells Fargo continues to go against their own policies and engaging in behaviors to defraud their customers. This behavior needs to be stopped.
Product: Debt collection

XX/XX/XXXX McKenzie Paul & Associates contacted my wife and myself to collect a medical bill of {$7000.00} outstanding from a care provider incurred on XX/XX/XXXX due to improperly filing with my insurance company. 

I informed them that I had used the medical provider XXXX times over 3 or 4 years with the same medical insurance which covered everything after the copay. They said that since it was past the provider eligible timeline to file that I needed to pay and then file with the insurance company or it would affect my credit. 

After informing them that I had frozen my credit after identity theft, they told me I was un-American if I didn't pay the medical provider that helped me.
Product: Credit card or prepaid card

In XXXX of 2022 Citizens Bank, where I bank, offered a " Cash Back + '' credit card with the following perks. {$200.00} cash back bonus after charging {$500.00} in the first 90 days, plus another cash back bonus for the cost of a TSA PreCheck up to {$100.00}. I completed both of these tasks within the allotted time frame, charging {$800.00} on XXXX XXXX and purchasing the XXXX XXXX on XXXX XXXX. To date I have only received one of the promised awards, the {$200.00} for charging {$500.00}. it has been nearly five months and I have not received the {$85.00} for the TSA PreCheck. I have visited the branch several times and sat with them as they had a live chat with credit card customer service at which time they stated they would apply for the rebate to my account. I also called customer service and experienced long waits on hold then when a person finally answered we were cut off half way through the conversation. This happened twice. Before I was disconnected the representative told me I did not spent the required {$100.00}. It only cost {$85.00} to acquire the TSA PreCheck and further it states on the enclosed flyer that you get " up to {$100.00} '' it says nothing about haveing to charge at least {$100.00}. It has been over three months since the local branch employee had the live chat and still nothing has been applied to my account. I am attaching a copy of the offer, although it says expired on top it was active when I applied for and received my card.
Product: Credit reporting or other personal consumer reports

Hi I have to inquires not recognize both in XX/XX/2023of truist bank inclusive both have different address I need remove that from my credit because is incorrect.I check my credit report and I see that.
Product: Credit card or prepaid card

I phoned and left a message for XXXX XXXX XXXX XXXX ), XX/XX/XXXX and XXXX, XXXX. I sent her an email XX/XX/XXXX but there was no response.The phone calls were never returned. Further to this investigation I received a new credit card in the mail yesterday at my genuine address. I did not apply to BOA for this new credit card and XXXX put a fraud alert on my credit rating in XXXX of this year. 

I used to have a bank account with Bank of America in both XXXX, Florida and in another state. Thankfully they sent the new credit card to my genuine address or I wouldnt have know about the fraudulent application.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ITEMS These accounts and inquiries aren't mine, I contacted the companies several times I was told these accounts and duplicate inquiries were removed and I still see them! ACCTS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX, AND XXXX XXXX XXXX ACCOUNTS NOT MINE SAID THIS IS FROM 9 YEARS AGO, SAID IT WAS REMOVED BUT I STILL SEE IT!!!
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation.I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. This inquiry was made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry.

Removal of Unauthorized Inquiry : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware Self Lender is in violation. I am demanding Self Lender to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive reporting.
Product: Mortgage

XX/XX/20. I called M & T bank to get the 90 day mortgage relief program announced by governor due to Coronavirus and they refuse to help they said that not able to help
Product: Checking or savings account

Regions bank closed my account because some one tried to hit my account for XXXX then went back tried to getXXXX then they freeze my account they put something in system no bank will except me my name is XXXX XXXX XXXX my social XXXX I never had problems opening bank account my credit score is XXXX I just want my bank account back
Product: Credit reporting or other personal consumer reports

The account doesnt belong to me I was victim of the data breach with XXXX I have showed proof to the credit bureaus and Im having no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I applied for a Chase credit card for my XXXX. I was asked for my personal ssn # after providing the EIN. My SSN # was ran instead of my EIN.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file.

This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXX Police Department ( Case Number : XXXX XXXX XXXX  XXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting.

In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$1800.00} XXXX. XXXX Accoun number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXX Police Department, documenting the theft of my vehicle and personal documents ( Case Number : XXXX XXXX XXXX  XXXX ). 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account was closed due to charge backs I don't know what that is I never had issues tell this popped up today. I just want my account reactivated or be able to get the money off of it. This is cash app btw
Product: Checking or savings account

My name is XXXX XXXX I need my dispute claim Claim Reference Number : XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. My name is XXXX XXXX XXXX and contact me at XXXX Update to this please change the dispute type to fraudulent dispute because I didnt authorized the payment it is fraudulent and reopen it and investigate again please etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 me and my sister went to XXXX XXXX XXXX  to apply for a mortgage loan to buy a house together. We were both denied because of negative accounts on our report. My sister was also a victim of identity theft. We filed a report with our local police department. I have reached out to all the companies involved as well as all 3 credit reporting agencies. There are credit cards opened in my name as well as county records for what looks like some kind of family court.
Product: Debt collection

SOURCE RECEIVABLES MANAGEMENT, is attempting to collect a debt for XXXX that has been paid in full. This is reporting as a derogatory mark on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS  SUFFERING.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint and an investigation is taking place has not reflected the updated profile or change to my report. The dated account is under investigation and I need my report to reflect that. Here the original complaint : On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted Discover and asked for them to remove the account as I could see on my report that it was opened with a XXXX  address I've never used. At this time I was completing online classes at XXXXXXXX XXXX which is located in XXXX I speculate that this is somehow connected to my information being stolen and used to establish this account. discover has since been placed back onto my report, without an complete investigation. I was notified once and then didn't hear further communication since that date. 


I can submit any documents or questions that may be asked regarding this account. please help me get understand and verify this account as needed. I'm asking for another investigation as this seems to be a revolving issues regarding this account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding Early Warning Services handling of inaccurate information reported by XXXX XXXX on my consumer report, which I believe violates the requirements under 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681i ( 5 ) regarding maximum possible accuracy. 

On XX/XX/year>, I sent a certified letter to Early Warning Services containing my updated personal information. On XX/XX/year>, I received a letter from Early Warning Services stating that the reinvestigation into XXXX XXXX reporting had concluded the information was incomplete and inaccurate, leading to the deletion of the account. However, on XX/XX/year>, I submitted a dispute letter to Early Warning Services requesting the removal of XXXX XXXX from my consumer report, as the drivers license number and address they reported did not match my own. 

Despite this, on XX/XX/year>, I received an email indicating that the XXXX XXXX information was deemed accurate and complete. This is in direct contradiction to the information I provided, as neither the drivers license number nor the address associated with the XXXX XXXX entry belongs to me. Under the aforementioned laws, this inaccurate information must be removed.
Product: Credit card

the original contract with the of the investigation was never sent to me. Just what JP MORGAN CHASE BANK says i owe them .and the charged off account keeps dropping my credit making it haed for me to live and can push me into homelessness. under the fair credit act.
Product: Checking or savings account

I have been a customer for over 3 years with Citi Bank. On XX/XX/2024, I made a series of XXXX XXXX transfers totaling about {$500.00} because I was at a festival that didn't take cards. Citi flagged me for fraud and locked my account, which I didn't find out until later that night when trying to use my card. I immediately called them as soon as i found out and sat on the phone for 45 minutes after giving multiple pieces of information to verify my account, only to be told that no one was available in the fraud department & to call back the following day. I called back the following day, and received the same run around, except this time, they could not verify my phone number which I've had for over 5 months. The customer service rep even instructed me to call my carrier and verify that my number was associated to my name, which I did and called back immediately. Still no luck. Eventually, I settled for the mailed verification option. It is now XX/XX/2024 and I still have not received a letter. Upon trying to call to verify the letter was still being sent, the automated rep hung up the call every-time I entered my ATM pin number. So not only can I not reach an actual person, I have a very large amount of money in the account that I can not access to pay bills, live, etc. As soon as I get access back into my account, I am moving my money and closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I received a letter with the day with control number # XXXX of XX/XX/XXXX, from XXXX XXXX XXXX XXXX, where they state that " we're sorry but, we are not able to provide the auto coverage you requested at this time. '' Also they state that they use Transunion National Disclosure Services. 

I have a insurance Policy with XXXX # XXXX, that I paid in full from XX/XX/XXXX to XX/XX/XXXX. That means that I have a car insurance policy until XXXX XX/XX/XXXX. 

FACTS : 1 ) I DIDN'T REQUESTED OR AUTHORIZE IN ANY WAY VERBAL OR WRITE, TO ANY BODY OR INSURANCE COMPANY TO OBTAIN MY CAR INSURANCE COVERAGE. 
2 ) THAT LETTER OF XX/XX/XXXX, SHOW THAT XXXX XXXX IS DOING A FRAUDULENT USE OF MY PERSONAL INFORMATION TO JUSTIFY A CAR COVERAGE THAT I NEVER REQUESTED 3 ) I NEVER AUTHORIZE IN ANY FORM TO TRANSUNION TO SHARE OR USE MY CONSUMER REPORT. THEY USE OF MY INFORMATION WAS ILEGAL.
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. 


I told Transunion these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

XXXX pulled my credit twice in 3 days is a violation of the fcra XXXX  XXXX pulled my credit twice same day
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.