23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and XXXX notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change XXXX have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXXXXXX XXXX XXXX have requested returns ). This happened on XXXX XXXX, and payments were sent within XXXX hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX glitch that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information on my consumer report as provided by your agency. I am raising this dispute under the provisions of 15 U.S.C 1681b, specifically focusing on the permissible purpose clause, as I have never provided written consent to your agency for the inclusion of this information on my consumer report. This lack of consent is a concerning issue as it may be indicative of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ) under Reference Number XXXX. 

The following accounts are being reported on my consumer report, and I request their removal : 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 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 would like to clarify that my dispute is not with the original creditors of these accounts but with your reporting agency 's inclusion of this information on my consumer report without my written consent, which I believe violates the permissible purpose provision under 15 U.S.C 1681b. According to 15 U.S.C 1681C-2 , it is mandated that these items should be removed within the statutory time frame. 

I kindly request your prompt investigation into this matter and the subsequent removal of the aforementioned items from my consumer report. Please provide written confirmation of the removals made and a copy of my updated consumer report once the necessary corrections have been completed. 

I expect this matter to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) and the laws that protect consumer rights. Your immediate attention to this matter is greatly appreciated.
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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 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 But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

XXXX. XXXX is reporting my loans with different account numbers breaking the loan down instead of one account number for all the loans combined, they are not seperate. 

XXXX. XXXX XXXXXXXX XXXX XXXX  as well as XXXX XXXX XXXX are reporting the same amount with different account numbers as if they are two seperate debts. XXXX XXXX XXXX XXXX sold the account to XXXX XXXX XXXX in which I did not give consent 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: Payday loan, title loan, personal loan, or advance loan

i have told them to not call my cell job or my spouses job for collections and they called my job any way today XX/XX/23 they also didnt try to help much with reducing payments due to a medical issue i could no longer pay them but the main issue is calling the job when told not to call
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My credit is frozen. I received the attached letter stating my application for a store card was denied. It is dated XX/XX/2022, and the email notification was received at XXXX on XXXX. 

I did not apply for a credit card/store card with this company, and want to file the complaint against XXXX XXXX for violating the Truth in Lending Act. 

I DO have a profile with XXXX XXXX and shopped there last week, and did a return/exchange of a product at XXXX on XXXX, when I suspect my application was run or held for submission. 

Thank you for accepting my complaint.
Product: Credit reporting or other personal consumer reports

My credit report was breeched. It was sold and or shared illegally by Equifax. I have disputed many accounts in the past and Equifax never showed any proof of the investigations done as proof that those are my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. is reporting private information that was meant to remain private. This is an invasion of my privacy and immediate and prompt attention to this matter is required.
Product: Credit reporting or other personal consumer reports

While doing my research on how I came across how to raise my score and remove negative inquires, I was able to get to know laws that are supposed to protect consumers. 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, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : 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,, 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 15 U.S.C 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

XX/XX/year> I called and requested to stop payment on a fraud transaction. Wells fargo didn't stop the transaction. They did an investigation and I provided all the information they needed and they still let them take my money. The person XXXX XXXX at phone number XXXX is impersonating as an XXXX employee and scamming people like myself out of their money.
Product: Credit card

I have contacted American Express several times to get my promised promotional apr applied to my account as agreed in the recorded call. After I spend money and charge items to my account, I get a billing statement showing the normal APR. I contacted Amex to see why the promo apr of 0 % for 12 months was not showing as it was effective XXXX/XXXX/15. The customer service rep said there are no such offers and told me I was mistaken. I escalated to a supervisor who told me the same thing. She offered me a rate of 18 % - however I declined and said no. I wanted the promotional offer as accepted. The supervisor changed my apr to 18 % without my consent. I escalated to the next level, who told me she would review the call and call me back in 48hrs. Her name was XXXX in XXXX XXXX, XXXX. She never called me back. I called and had to have someone else put a request in to review the call as she never did it. I made several calls back to Amex. I requested to speak to a US rep multiple times and was denied that request and was transferred back to foreign call centers and even the IVR. After 5 hours of phone calls my issue was halfway resolved. I faxed in a complaint XX/XX/XXXX and have never heard back. I also called back XXXX additional times to speak to a manager and was denied that request. I was informed I would receive a call back in 24-48hrs. The calls never came. 3 times I was promised a call back and a manager never called. I need to speak to a manager to help me resolve my concerns.
Product: Credit card

I made an AirBnB purchase with my Apple Credit Card and did not receive the service as described from XXXX. I captured video, pictures, and information from XXXX to build my case and submitted it to Apple. The first time I submitted my charge back they did not classify the type of dispute correctly. I then had to speak to someone on the phone to get it all corrected. I was then declined again on my dispute and when I asked for more information they gave a blanket statement of evidence does not support the action. I then closed my account and paid the amount due because it felt incredible frustrating dealing with the customer service agents and trying to get more information from them. They are not protecting their consumers from fraudulent companies.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 4 fraudulent account ( s ) appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These fraudulent accounts include a Personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a Collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and another Collection account opened at XXXX on XX/XX/XXXX under the account number XXXX. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account names XXXX XXXX, is not my account it is reporting under equifax only, this is an inaccurate reporting, i have disputed several times, they say comes back verified, this is inaccurate they are not disputing this correctly, and needs to be removed and blocked from my equifax credit file please help me to do so, appreciate thank you
Product: Credit card or prepaid card

I disputed transactions on my account and was given a provisional credit after 9 business days. However Credit Karma restricted my account so I am not able to use these funds that were made available to me so that I may have full use of these funds while they investigated my dispute. When I call I am told that that department is not available to speak to and that there is nothing that they can do for me.
Product: Credit card or prepaid card

I bought a Visa gift card issued by U.S. Bank National Association from XXXX on XX/XX/2021. I tired to use the card and failed. I called the number on the back of the card on XX/XX/2021, the representative told me the card has been compromised as the records showed someone tried to use the card several months ago before I even purchased this card in XXXX. I was told they will expedite the shipping of the replacement card at no cost to me. I just called them on XX/XX/2021, I was told there is not expedited shipping of the replacement, I will receive the replacement card though the regular mail. this is unacceptable, I was promised one thing and it didn't happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not physically walk into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.
Product: Debt collection

I am writing to you about the following Kimball Tirey & St John account # XXXX, original creditor : XXXX XXXX XXXX XXXX opened date : XX/XX/2014, original amount : {$5800.00}. 

This company has fail to do the right thing. They are committing so many violations by re-aging the account, conflicting report from one bureau to another, negligence and unfair practices. 

I am demanding to get the item off my reports as a compensation for all the violations and damages ( psychological stress, credit score drop, blocking me from getting credit cards, high interest rates in actual loans ). 

Attached documentation. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  shows 3 different times for XXXX accounts within my credit report. One amount for {$570.00}, the second amount for {$380.00}, and the third amount for {$660.00}. I need proof of purchase as I am not sure who these accounts originated from and certainly not 3 of the same accounts resulting in collections for different amounts all with the same orgination date listed. These accounts are a huge red flag.

XXXX XXXX XXXX  is showing 2 accounts on my credit report. One in the amount of {$310.00} and the second in the amount of {$1300.00}. I have not had any success in getting information from this creditor and would like to obtain proof of purchase along with the origination date. 

LVNV Funding LLC is showing 2 collection accounts on my credit report. The first collection amount is {$790.00} and the second collection amount is {$830.00}. Please provide proof of purchase as well as all originating documents to confirm account ownership.
Product: Credit reporting or other personal consumer reports

Experian has been violating my rights since XX/XX/XXXX and refuse to comply with federal law under 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681 B. They have taken over the legal allocated timeframe to conduct an investigation. The keep imposing an account that's not mine then continues to report it without being completed in its entirety. This is deceptive. They did not respect my right to publishing my non-public personal information according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

The information posted impacts all key component of congressional findings which includes my credit worthiness, credit standing, credit capacity, character, and general reputation. I bring to question the method of procedure. Actions were not properly followed according to 15 USC 1681i. Experian has taken over XXXX  months to even update such account. These actions are illegal and should not be ignored. 

XXXX XXXX XXXX # XXXX proves that Experian received the dispute XX/XX/XXXX. As of XX/XX/XXXX, Experian took the liberty to " update '' the disputed account. This is WELL passed the XXXX day investigation period authorized by federal law and account is still found to be incomplete.
Product: Money transfer, virtual currency, or money service

XXXX Coinbase.com has a mechanism in their support ticketing system that automatically locks a users account. It is effectively a land-mine and I inadvertently stepped on it when submitting a support ticket. Now, I am unable to access my account and their support personnel are no where to be found. It's just an endless series of autogenerated email responses and survey 's. Not only am I unable to access the funds and crypto in my account, I am unable to manage the trades I have on their order book. This has left me in an extremely vulnerable position with no way to contact the company in a timely manner. Please help!
Product: Credit card

I am trying to update my name on the account as I recently went through a legal name change. On XX/XX/XXXX I sent over sensitive personal information to the fax number provided with no type of confirmation that it was received or that it was being worked on. Ive called various times since to ask for updates, its been a month and I either get hanged up on or get told to wait longer. Most of the representatives I am unable to understand due to the lack of English spoken which is usually not an issue but it gets a bit frustrating once I keep trying to explain that the documents have been sent and what else is needed to be able to have the information updated in a timely manner. I am very disappointed and unhappy with how Citi treats customers with very little respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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
Product: Checking or savings account

I was a victim of a scam a company name XXXX took XXXX out of my accounts I filled a claim with my bank and the bank denied the claim Wells Fargo