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

I'm putting down to bestow my XXXX  concerning the tested accounts on my credit report. On various occasions, I have raised the issue of stumbles in these records, and have constantly referred to that they be totally researched. In spite of my endeavors, I at this point clearly can't get any goal or accommodating activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a standard life. The antagonistic results of these mistakes have caused huge difficulties for me, and I'm left with no decision beside to fight for your help with reconsidering what's happening at the earliest entryway. I thoughtfully demand that you lead a wary evaluation concerning the critical of these tested records. It is fundamental that the critical advances are taken to restore and address my credit report right away. With your assistance, I need to reestablish the precision and dependability of my credit report so I could recover command over my cash related flourishing. I really encourage you to offer this matter your generally unbelievable idea and make a quick move. Your participation and moving in settling this issue quickly would be exceptionally huge. Appreciative to you from the beginning for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX XXXX. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with XXXX  and by phone with XXXX with a rep named XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017,  {$6700.00} Thank you. Best, XXXX
Product: Debt or credit management

I am owed funds from the XXXX  sale of my house. The sale took place in XX/XX/2023. I contacted the XXXX office thats holding on to the funds and no one can explain to me why I have not received my funds. All of the XXXX holders have been paid.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Section 602 ( a ) states : Consumer reporting agencies have a responsibility to operate with fairness, impartiality, and respect for consumer privacy.

Equifax and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is further supported by 15 U.S.C. 6801, which establishes that financial institutions have an ongoing obligation to protect the privacy, security, and confidentiality of their customers nonpublic personal information. 
According to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to whom it relates. Neither Equifax, XXXX, nor the financial institution furnishing information to these agencies has my consentverbal, non-verbal, written, implied, or otherwiseto share or report my information. Any prior consent, if ever given, is now revoked. 
Additionally, 15 U.S.C. 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been informed of their right to opt out. I was never informed of this right, which constitutes a violation of the law.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information older than seven years, except for criminal convictions. The account being reported is an adverse item and is being furnished without my permission, which is unlawful.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no entity may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations of 1681c and limit the furnishing of reports to legally permitted purposes. Equifax and XXXX are failing to uphold these obligations. 
Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. Therefore, I am formally opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
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 Account Number : 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: Credit card or prepaid card

I was given 2 American Express Reward Cards upon my retirement on XX/XX/XXXX. One in the amount of {$1000.00} ( XXXX XXXX XXXX ) and the other in the amount of {$500.00} ( XXXX XXXX XXXX ). The cards were set aside and unused. When I decided to use them it came to my attention that they expired on XX/XX/XXXX. I called American Express to get them replaced and they indicated that these are SWEEP cards that effectively are use it by the expiration date or lose the money. On their web site there are several reward card agreements and the majority of them do not have a use it lose it by date. The cards have no information on them that indicates they are a SWEEP card. 
I spoke with several customer service representatives on XX/XX/XXXX and they all informed me that while it is clear the cards were never used, they will not replace the cards and effectively American Express is keeping the money. These cards were acquired in California and I do not believe this action is legal. I find it hard to believe a large company like American Express would stoop to this level.
Product: Credit card

Discovery card blocked me from using my card because, I was at my credit limit, but they let XXXX XXXX XXXX charged up over XXXX XXXX  dollars over my limit and, after begin the pay the card and was not late on payments they still charged me interest for not using the card, I paid more than the regular amounts monthly.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$310.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$5400.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance {$1200.00} Open Date XX/XX/XXXX XXXX Balance {$600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$110.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Checking or savings account

My account was locked by Chase on Friday, XX/XX/XXXX. I called first thing in the morning and was assured it would be unlocked. The day went by and still had not been unlocked. I called Chase again and was on hold for 3 hours before I was hung up on. By that time the department had closed for the weekend. Now, on Monday, XX/XX/XXXX, I have been on hold for over 2 hours when a 15 minute hold time was given. During this economic situation, a financial institution can not place holds on accounts and not pick up the phone when called.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian and XXXX  has accounts on my credit report thats inaccurate
Product: Credit reporting or other personal consumer reports

Eastern account systems XX/XX/XXXX amount XXXX conflict not resolved XXXX collections XX/XX/XXXX amount XXXX conflict not resolved Transworld systems inc XX/XX/XXXX amount XXXX
Product: Debt collection

I have sent Ally Financial letters stating that I dispute information they are sending to the credit bureaus. They failed to mark my account as disputed within 30 days of my contact with them on all XXXX of my credit reports which is in clear violation of FDCPA 807 ( 8 ). I have time stamped copies of all XXXX credit reports and a certified mail reciept showing when Ally Financial recieved my letter proving they failed to mark it as disputed.
Product: Debt collection

The open dates are not accurate and the account numbers are invalid. Asterisks, never represent or correspond to appropriate account informations. Its been more than 5 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
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 Account Number : XXXXXXXX  Account Name : XXXX XXXX Account Number : XXXXXXXX  Account Name : XXXX  Account Number : XXXXXXXX  Account Name : STATE OF MI OFFICE CHI Account Number : XXXX has violated my rights. Or list of 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: Credit reporting or other personal consumer reports

i did not ask XXXX to freeze my report. they did it they did not remove the identity theft, which they have a case # for and uusporting docs since XXXX from XXXX XXXX The do not have every bit of information on the credit report in terms high limits they have my landlord but do not list monthly payments correctly and ive been here since XXXX. they dont have amount paid on XXXX XXXX for months reason report not updated? they did not request or supply a copy of XXXX  XXXX  XXXX policy nor validate the forgiveness letter for XX/XX/XXXX which is a gift apparently but still not annotated. student loan they closed because I paid but marked me marked 90 days late or XXXX  most of the time and the loan never defaulted. how do you go frim paid or defferred to 90 days late. they did this for many years after a lot. XXXX may be responsible but bot my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy. I am attaching supporting documentation to have these accounts reinvestigated. Transunion wrote they verified the account with a 3rd party, but did not identify the name. I called to inquire about who the 3rd party vendor was, and a Transunion representative REFUSED to give me the name. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore Transunion did not verify with them. I have verified with the court that they do not and can not verify anything with Transunion. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections : Chapter XXXX Bankruptcy unverified
Product: Checking or savings account

Someone broke into my home and had access to my phones and all records. They hacked my bank account and opened a new debit card in my name and set up their own pin. They then used about {$12000.00} and the bank is denying my claims saying since it was done with a pin there is nothing they can do - XXXX XXXX XXXX XXXX XXXX during this entire time that all the money was spent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$8.00}.
Product: Credit card

I made XXXX payments related to XXXX purchase order - {$290.00} and {$360.00}. product was never delivered, and vendor stopped communicating. I opened a dispute with the credit card company, and they behaved in an arbitrary and predatory manner where they " randomly '' and illogically reveresed the EARLIER, and LOWER, of the payments ( {$290.00} ) and did not refund the other payment ( {$360.00} ) I made a purchase of a XXXX device - a customized digital storage device - from a company in XXXX XXXX The reservation order was made on XX/XX/2023 for {$290.00}. The estimated delivery date was stated as " End of XX/XX/2023 '' A couple of weeks later I made payments on the customizations option of the device with a {$360.00} payment on XX/XX/2023. 

After the delivery date lapsed, I reached out to vendor who said it would be delayed and later totally vanished and stopped responding. At that point I submitted a dispute with the credit card company and was shocked to see how they are acting in a predatory, abusive, and arbitrary manner. 
If the payments are related to the same purchase, how can you logically reach a different outcome? 

I have made multiple calls to the credit card company trying to resolve this. The service reps acknowledge how ludicrous this situation is but kept claiming that they " follow policy '' and this is " out of their control ''. This is especially worrisome, because it highlights that they maintain this predatory and abusive behavior as part of a corporate policy.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to set up an account online with Zelle so I can easily pay my rent. I received an error message that said there's an issue with my phone number. I called zelle customer service and was told that my number was already associated with a bank account and that I had to call the bank. They refused to tell me which bank. After calling around I figured out it was XXXX  XXXX XXXX. They told me that when I closed my account with them they released my phone number so I could use Zelle again elsewhere. 

I called Zelle again and explained what XXXX  XXXX XXXX told me. They again refused to help saying I had to call XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.