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

I am disputing XXXX entries on my credit report from Credit Collections, which inaccurately report the same debt in XXXX different amounts, creating a false and misleading portrayal of my financial obligations. This violates the Fair Credit Reporting Act ( FCRA ) as it constitutes duplicate reporting of the same account. Additionally, the original creditor has already written off this debt, and Credit Collections has no legal right to report or collect on it. I request a thorough investigation and demand the removal of all duplicate and inaccurate entries immediately.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report . Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the XXXX major Credit Bureaus ( XXXX, XXXX, XXXX TransUnion XXXX this action may constitute fraud XXXX both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed form my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best regards, Certified Mail Return Receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  XXXX - XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

Here are the accounts mentioned above : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$8200.00}
Product: Checking or savings account

Bank of America closed my checking account with no prior warning on Sunday, XX/XX/XXXX.

Prior to this, on XX/XX/XXXX, I had opened a claim with B of A, as I noticed that a merchant I had made bitcoin purchases with charged my debit card a total of {$160.00} in which I never received the bitcoin. I noticed the issue immediately and reported it to B of A on same day the transactions posted.

I never got a temporary credit for this dispute, which I thought was very odd so I asked B of A why. I was told that I would get my credit no later than 10-days after filing the claim.

Last year, I had a dispute with XXXX, but all ended in my favor so not sure why that would be a strike against me.

I was sick to my stomach when I tried to use my debit card on Sunday, XX/XX/XXXX and it was rejected. I went right to check my mobile app, and it would not allow me to log-in to view my account. No email, no call, no letter regarding the closure. I have done nothing wrong at B of A to deserve being treated like a criminal. I can not withdraw any money from my checking account at a branch. B of A did tell me they will accept any deposits, credits etc that come in, but they will reject any auto-payments attempted.

The closure department said that there is no reason provided for this happening, but that they would not report my account closure to XXXX.

I was not a bad customer at B of A, I rarely overdrew my account and always made weekly deposits. If buying bitcoin with my debit was an issue, they should have made that clear to me and I would have stopped immediately.

B of A said the claim will remain open until investigation is complete, but I presume the bank is just going to reject giving me the money I am owed. I feel like B of A could, and should treat customers better by giving a heads-up when closing any account, to allow that person to make other arraignments.

It is disgraceful and inhumane to allow banks to conduct such horrid behavior towards their customers.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
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 XXXX : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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, credit repair services, or other personal consumer reports

I have two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX Equifax Mortgage Service XXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XX/XX/XXXX, I upgraded my Chase Sapphire Preferred card to Chase Sapphire Reserve card. 

One of their big advertising benefits was that you get an annual {$300.00} travel credit to use on most travel purchases every annual calendar year. 

As soon as I receive the card I spent {$300.00} booking flights for my family. The purchases were made XX/XX/XXXX. I received the {$300.00} travel credit to my account even before my first statement closing date. 

I received the first statement on XX/XX/XXXX. 

I emailed Chase customer service to verify that I did all the {$300.00} annual spending properly for XX/XX/XXXX and to confirm that any spending I did during XX/XX/XXXX calendar year will go towards the XX/XX/XXXX {$300.00} credit. 

They replied that was correct that any spending I did after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 

On XX/XX/XXXX, I made more travel purchases that was over {$700.00} and was expecting {$300.00} of the annual credit back from the Chase Sapphire Reserve card. 

However, the credits never came. 

I emailed Chase again and they reconfirmed that any travel spending after XX/XX/XXXX will count for the XX/XX/XXXX {$300.00}. 

When I called for the {$300.00} credit for the XX/XX/XXXX purchase, I was told by phone customer service agent that I had already spent my XX/XX/XXXX {$300.00} credit. 

He told me that the spending I did XX/XX/XXXX counted as the XX/XX/XXXX credit because my Chase Sapphire PREFERRED card statement closed on XX/XX/XXXX and anything after that was counted as XX/XX/XXXX. 

I told the rep that there must be some kind of mistake because I did not have a Chase Sapphire RESERVE card until XX/XX/XXXX and I did not receive my first statement for the RESERVE card until XX/XX/XXXX. The XX/XX/XXXX statement was for the PREFERRED card, therefore, it should be irrelevant. 

I then spoke to the supervisor who said that there was nothing she could do because their system counts XX/XX/XXXX purchase as XX/XX/XXXX. 

As a long time customer of Chase, I was extremely disappointed by their lack of assistance. Even their terms and conditions state that the {$300.00} annual credit is good till the first statement XX/XX/XXXX, which technically was XX/XX/XXXX and not XX/XX/XXXX as they claim. I also have MULTIPLE email correspondence from other Chase customer service agents saying that any spending I do after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 
I would like Chase to honor their terms and conditions, and the promises made by their email customer service agents, by crediting me the {$300.00} XXXX credit to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed an account that i wanted a little more explanation on. I am not saying that it's reporting right or wrong im saying i am not 100 % sure if it is. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. I also heard by law you have 30 days to verify this account reporting on my consumer report. 
In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof this account must be deleted if they are not 100 % accurate. So i would like this account properly verified and removed if there's anything missing. 

XXXX XXXX XXXX-Account # XXXX
Product: Credit card

XXXX letter to resolve an make this a fair consumer credit transaction 15 USC 1681e The Truth in Lending Act ( XXXX ) is a federal law that aims to promote the informed use of consumer credit by requiring disclosures about its terms and costs. If you believe that a creditor has violated XXXX in a consumer credit transaction, you can reference specific sections of the law to support your claim. Here are some key provisions of XXXX that may back up a violation in a consumer credit transaction : XXXX. Section 102. Basic Requirements : This section outlines the general purpose of XXXX, which is to ensure that consumers are provided with meaningful information about the cost of credit. 

XXXX. Section 103. Definitions and Rules of Construction : This section defines key terms used in XXXX and provides rules for interpreting the law. 

XXXX. Section 104. Disclosures : This section requires creditors to provide consumers with clear and accurate disclosures about the terms and costs of credit, including the Annual Percentage Rate ( APR ) and finance charges. 

XXXX. Section 105. Administrative Enforcement : This section authorizes regulatory agencies to enforce XXXX and take action against creditors who violate the law. 

XXXX. Section 106. Civil Liability : This section allows consumers to pursue legal action against creditors who violate XXXX, including the right to recover damages and attorney 's fees. 

By referencing these specific sections of XXXX in your complaint or dispute with a creditor, you can demonstrate that they have violated the law and support your case for seeking remedies or compensation for the violation. It is advisable to consult with a legal professional or consumer protection agency for assistance in addressing XXXX violations in consumer credit transactions. 

You received my securities I received nothing in return you can not deny a consumer credit resolve this matter your in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian free annual credit report does not print correctly. I printed all 3 credit reports from Experian, XXXX, and XXXX, and all were fine except for Experian. Their page/report is formatted in such a manner that there is a lot of blank space on the left portion of the page and the information on the right side of the page ends up being cut off. I tried printing the report in different orientations ( landscape and portrait ), different zoom levels, etc., and results were always the same. 

Information cut off when printing the report includes : My Name Balance Balance Updated Date Recent Payment Amount Monthly Payment Amount Credit Limit Highest Balance Terms Sample Provided with personal information redacted. 

Neither XXXX nor XXXX had this issue. In fact both them offer an option to download the report as a PDF, thus avoiding website formatting issues or incompatibilities with certain browsers ( I use XXXX ). Not only is Experian 's website unable to format the report in a manner that can be printed, but they also don't offer the report for download as a PDF. 

It appears to me that Experian have chosen to go out of their way in order to snub US citizens who chose to exercise their right to receive a free copy of their annual credit report. I can only assume the reports they sell on their website do not come with the " limitations '' that are included in the free report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and JP Morgan, Chase bank ran my credit that now has me with inquiry that I would like to have removed ASAP. I reached out to all companies. JP Morgan, XXXX, credit bureau, XXXX XXXX credit bureau. My credit was pull on XX/XX/2023. 
From the institution of JP Morgan, Chase Bank.
Product: Debt collection

I have advised the debt collector Sequium Asset Solutions ( calling  on behalf of XXXX ) to stop calls to my work and cell number as they call repeatedly. Most recently on XX/XX/2019 they called my cell number at XXXX XXXX CST which I did not answer, and then again at XXXX XXXX CST. At XXXX I answered I told the representative I have told them multiple times to cease calls and that calling my cell number after I advise Do not Call is a violation of TCPA. She said she would update my account which can take 24 - 48 hours. ( All which I have heard before ). Then at XXXX XXXX CST ( Same day! ) I get another call. I told this representative that not only are they violating TCPA, but now they are violating FDCPA by attempting collections after already speaking with me.
Product: Credit card or prepaid card

XX/XX/2023 Bank of America sent me a letter stating that I have not used my credit card for a while, so they are canceling my Automatic Payment plan on XX/XX/2023. They are now directing me to pay my credit card online or by mail. 
I have multiple issues with this policy change. They have instituted this policy to generate late fee income and unnecessary interest charges. Many customers will not see this letter of Automatic Payment Cancelation and their credit score will be affected when their payment is not be paid. Canceling Automatic Payment will only benefit Bank of America fee income and will hurt the consumer. This action by Bank of America should result in a class action lawsuit that I would gladly participate in.
Product: Credit reporting or other personal consumer reports

I have been trying to raise my score on my Transunion account for years. Of my three scores this one is always the lowest. 
I recently requested a credit report from XXXX along with my three scores. 
I disputed several items on my Transunion account. 
I have requested old accounts to be deleted. 
Transunion is intentionally discriminating against XXXX and XXXX  people. 
Their score is always significantly lower than the other two for no reason at all whatsoever. 
If the other two bureaus can at least be on the same page with how they summarize or tally a credit score then why is Transunion 's report always completed off or low or different?

Are they not a credit bureau as the other two bureaus? 
This is illegal and discrimination. I am sick and tired of the agency and want them investigated. 

Thanks, XXXX XXXX