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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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 XXXXXXXX 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

It's past 45 days and you didn't provide what I asked and I'm legally entitled to. Attached is a copy of my NOTICE to file suit ( you will be served yours within the next 7 days ) and you have no more time to fix this issue outside of court. Legally you must remove the account until a court ordered reporting the corrected status is given. From this point on my Attorney will be in contact and each day after this complaint my account reports is a remedy of {$500.00} for you and XXXX $ per violation for Transunion. Please read each document throughly. You guys don't answer my calls and leave my emails on read.
Product: Credit card or prepaid card

I applied and was approved for an American Express " Gold Delta SkyMiles Business '' credit card on XXXX XXXX, XXXX. As part of the application, I was offered a promotional " welcome offer '' consisting of XXXX bonus XXXX SkyMiles. This offer carried the following terms : " Earn XXXX bonus miles after making {$1000.00} in eligible purchase on the Card in the first 3 months ( 92 day ) of Card Membership. The Welcome bonus offer is not available to Applicants who have or have had this product. The bonus miles will be credited to the Card Member 's SkyMiles account 6-8 weeks after they meet the {$1000.00} purchase requirement. '' This offer is verified in a chat excerpt that is attached. 

I met the spend requirement of {$1000.00} on XXXX XXXX ( 87 days after approval ) with a purchase totaling {$37.00} to XXXX XXXX Now, which gave me a total spend of {$1000.00}. I have included my billing statements for all months the account has been opened to verify this. 

After waiting the specified 8 weeks from meeting the spend requirement, I reached out to American Express requesting a status on the whereabouts of the missing points. I was told there is a system issue that is causing points to not be credited. I was given a chat id of XXXX to note the conversation in which I requested the points be issued. American Express advised the investigation would take several weeks, but it has been almost a month beyond when the points should have posted. Screenshots of chat excerpts have been included.
Product: Checking or savings account

On XXXX of 2023, Account XXXX ans routing number XXXX with US Bank under XXXX & XXXX XXXX XXXX 's name was closed. 
Prior to the acount being closed on the same month, a transaction was made, XXXX filed a dispute on the transaction on the amount of {$2100.00} and a provisional credit was placed by US Bank. 
The account was closed a day later after the provisional credit was placed in the account. However, US bank keeps reaching out stating the merchant never returned the money and that I need to pay the provisional credit US bank placed on the account, and that the balance is about to go to collections. 
Reference number : XXXX from XXXX company is who returned the full amount to US Bank on XXXX. 
I will attached the proof, which XXXX provided with more details below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was pressured into buying a timershare from this company by their sellers XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX At the XXXX XXXX located in XXXX Florida, little did I know that this company is a scam, when I tried to use the timeshare it was never available so I was paying for something that I never got to use. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as { {$200.00} } credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I decide to resale the timeshare in XX/XX/XXXX with the same XXXX company, ended up having to pay extra just to put it for resale with them. They said would only take 3 months to sell and it has been 3 years and it still hasnt been sold. They never provided me the disclosures to opt out of sharing my information with anyone and they have been sharing With these credit agencies my personal information. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ] [ Experian XXXX XXXX XXXX XXXX, TX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ] Ive tried addressing this issues disputing with the agencies and it still hasnt been resolved.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting a copy of the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer.
Product: Debt collection

how ever they are are searching for XXXX XXXX they call all hours of day. They have been told several times there is no XXXX XXXX with my number. I have had the same number for over 10 years. Calls stopped for a short time but have becoming more frequent. When I did talk to someone ( XXXX ) told them my number is on the DO NOT CALL. This out and out a SCAM. These people should be arrested but the Government seems to do nothing. The Government should go after these people and make an example of them, fine them millions and send that money out to all the people they are harassing. Yet they continue cheating people, stealing and get away with it. So the Government is telling them what they are doing is okay. Apparently what ever the Government is doing to stop this kind of activity is so soft that if they did it with on number they just continue to change numbers and continue. Where is the justice in that? I will again file a complaint with the XXXX XXXX XXXX XXXX but this has to stop either the Government has to do it or someone should. 

STEP 5 ; XXXX XXXX DOES NOT HAVE THIS NUMBER XXXX I HAVE HAD THIS CELL PHONE FOR OVER TEN YEARS. I DO NOT KNOW ANY SUCH PERSON THEY ARE LOOKING FOR. THEY HAVE BEEN TOLD SEVERAL TIME NO SUCH PERSON, PERSON XXXX ( THINKING THEY WOULD STOP ) THEY CONTINUE TO HARASS ME DAY AND NIGHT BREAKING COLLECTION LAWS AS WELL BY TIMES CALLED, THREATS, ETC
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is lower than expected. I have paid all my bills on time and for my credit score to be in the 500s is ridiculous How much credit i have should not impact my score that significantly when i pay my bills on time.
Product: Debt collection

My wife has a student loan and was a little behind. They call my number ( husband ) asking for her. When I ask who 's calling they first only give a first name. I press and they will say for a personal business matter. If I keep pressing they acknowledge they are calling from Citizens Bank on behalf of XXXX. They are now calling me twice a day, even though I already answered their first call today. I told them it 's too late to be calling, yet alone a second time in 1 day. He said they will call as late as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have a student loan with XXXX . The account is reporting on my credit report twice. One I  am paying and is current on and another that is closed. On XX/XX/XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. XXXX closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XX/XX/XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!
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 ITEMS. 
XXXX XXXX XXXX XXXX, XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$5500.00}
Product: Vehicle loan or lease

The company NEVER called to discuss the escalation to the cfpb!! They closed my complaint with no explanation or response attached! They have yet to resolve my issue with the lack of service, unprofessionalism, and unfavorable policies for hardships! See complaint below : XXXX I contacted Nissan motor acceptance via chat first XX/XX/24. After going through a grueling authentication process, I asked for a supervisor.I even advised, maybe the salesman had listed something other than what was provided at the POS. XXXX just remained adamant at getting the exact authentication, regardless of providing my middle initial vs middle name. I verified what was on file, and requested it be updated as i have provided in the chat. Sure it wont be, but its on file. XXXX never answered my question directly, which was initially regarding payment options. She likes to answer questions with questions! The agent wasnt able to transfer, advised me to call in. She was most unhelpful, and replied with automated information NOT pertinent to my inquiry. She then proceeded to put me through a questionnaire for a process she knew I didnt qualify. Given how familiar she was on my account history, and that no payment had been received! Mind you, the first payment wasnt due until 45 days after purchase! The current payment is 10 days past due. Her only concern was getting the payment! XXXX gave no other relevant alternatives, and a non apology! Just un empathetic, unprofessional! I then call in, am disconnected after a 5min hold. I call back and speak with a great representative, who went above and beyond to take ownership of my concerns. I maintained wanting a supervisor. He transferred me to the escalations team, who after another excessive hold, disconnected at pick up! I wish Id never left XXXX, as nissan doesnt have favorable policies for consumers experiencing financial hardships! The customer service is terrible, I actually would love to be transferred back yo my previous finance company!! Actively seeking information if this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to provide proof to XXXX XXXX XXXX that there was no late payment made on my XXXX XXXX XXXX XXXX XXXX XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. I have included a copy of my payment report, here. If you go through this report from the beginning, XXXX payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account XXXX days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. As a result, all the ensuing payments were marked XXXX month off. When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. NOTE 1 : I need this corrected on my credit score as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my XXXX XXXX. NOTE 2 : I don't authorize XXXX XXXX XXXX to run a XXXX XXXX on my XXXX XXXX again
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Product: Debt collection

I have been a long-term customer of my health provider and due to their inaccurate contact records, they never reached out to me in an attempt to correct their error. Instead my attempts to use my online account to no avail, prompted me to reach out to them. They have multiple telephone numbers that could have been used to resolve this issue, but not once had I received a call from them. My online access to my account was thwarted by their lack of contact and instead I was contacted at work by Nationwide Recovery Services and promptly settled the past due account for a total of {$100.00}. This lack of initiative on their part was devistating and left me with decreased credit score all because no one at XXXX XXXX could or would pick up the telephone.
Product: Credit card or prepaid card

On XX/XX/2017 I made a purchase of 9.9 gallons of gasoline in the amount of {$21.00} at the XXXX XXXX in XXXX, WI using my Discover Card. When I received my bill there was an additional charge for {$100.00} at this location which I did not incur. I first contacted the XXXX XXXX WI Sheriff 's Department and then contacted Discover Card. The XXXX XXXX Sheriff 's Department initiated Case # XXXX, and Discover Card initiated Case # XXXX. Discover Card initially rescinded the charge, but then toward the end of XXXX I received their determination that the charge was valid and had been put back on my account. 

I responded, detailing the vehicle I was driving and indicating there was no way I could have put approximately 55 gallons of gasoline in a XXXX XXXX as their determination indicated and that surveillance video would show that all I did was put 9.9 gallons of fuel in the XXXX. Discover Card dismissed my claims and is holding me responsible for the charge. Discover Card asked for supporting documentation for my claim, but there is no way to document something I did not do. 

Supporting documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

he accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX - FCRA Violation XXXX Multiple fcra violations XXXX XXXX XXXX XXXX, XXXX Employer ( s ) XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, XXXX
Product: Debt collection

This is an attempt to collect a disputed insurance co-payment of some {$320.00} for a health care provider who never saw me after having ordered an expensive, unnecessary XXXX XXXX XXXX XXXX and whose office refused to explain his absence. I did engage in a monthly payment plan directly with the provider at first, but then my internist said I did not need such a test. I have contacted the debt collector to explain that I dispute having such obligation, that the charge was largely already covered by my health insurance, and that I would engage counsel to pursue the XXXX who filed this collection claim, for medical negligence. They continue to pursue me by impersonating a law firm with official looking letterhead and legalese and threatening negative reporting to the credit bureau which they say will result in adverse information on my credit for seven years. This is clearly in violation of the Fair Credit Reporting Act.
Product: Checking or savings account

I discovered fraud on my account and contacted the merchants to try to resolve the issue but because I don't have an account with XXXX or any other of the merchants that my card was used at they told me because it was fraud I had to call my bank. So I called and reported the transaction with my bank they replaced my card and said they would do an investigation. I don't think it could have been very Thorough investigation because they Closed my claim very quickly within a few days and denied it.I Im asking for a refund of the {$610.00}. And I Also asking that they put in some kind of appeal process or something. Because when I'm asking to appeal the decision they just said that's not gon na happen.