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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

The Citi bank is a BIG FRAUD, stole my $ XXXX! I opened a checking account and deposited $ XXXX for its promotion bonus. However, within two weeks, my account was closed by the its fraud department, and the customer service had terrible accents, and insulted me over the phone without giving me any explanation for locking my account. They said I will receive my money by check. I tried to go to the branch or called over the phone, they just repeated the same thing and asked me to wait. Over a month has passed, I never received my money back. 

Government and law enforcement please do something! Help me get my money back, and sue this fraudulent bank!
Product: Debt collection

I live in XXXX and received 2 collection notices from Credence Resource Management LLC for debt that is not mine. The original creditor is XXXX XXXX XXXX from XXXX XXXX, XXXX. One was dated XX/XX/XXXX for a total of {$7200.00}. The other letter was dated XX/XX/XXXX for a total of {$4200.00}.

I have never been to XXXX in my entire life. This debt is not mine, please help!

I mailed 2 certified dispute letters today XX/XX/XXXX to both locations listed for Credence Resource Management. One mailed to XXXX, XXXX and the other to XXXX, XXXX. 

Thanks in advance for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I got a new phone and had to re-authenticate myself on Coinbase.com. I uploaded my driver 's license as asked and also took a picture of myself. I submitted on XX/XX/XXXX. They promised to give me access within 48 hours. 

My case # is Case # XXXX. 

It is XXXX XXXX, 12 days have passed. I have repeatedly called, XXXX messaged, and emailed Coinbase for help. Everyone keeps saying " they are working on it. '' I need access to my account. Please help me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

During times of unemployment and under employment XXXX / Navient would not allow for deferment or lower payments. I was advised that there is a rule that the loan could only be deferred so many months. I used the allotted time during in school deferment. As a laid off adult, years later, my loan ended up in default because of the lack of options.
Product: Credit card or prepaid card

Google corp business did a transaction of {$32.00} without my permission.Please I want my refund and also take my card out of Google.thamk you have a bless day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised indigo/destiny credit card that I was XXXX XXXX in XXXXthey said they would reimburse late fees but had to report that the account was past due.I can send proof that Im just getting over the XXXX and those late payments have tarnished my credit report. I have no content over me catching the XXXX and Im being penalized.I have payments set up to start payments this is unfair.my home was pending finalizing before I got XXXX and put on hold by the lawyers because of XXXX.my home being finalized wont go through if those late payments are on there.please remove and list my account in good standing
Product: Credit reporting or other personal consumer reports

I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and seek your assistance in addressing a number of concerns regarding an entry that appears on my credit report.

After obtaining a copy of my XXXX credit report I am writing to dispute ( 3 ) inaccurate pieces of information as it relates to the One Main Financial entry.

# 1 - I want to clarify that One Main Financial was paid in full and on time with XXXX XXXX late payment. This late payment occurred during the Covid-19 global pandemic in XX/XX/XXXX. Although I made every attempt to pay on time, when I realized I was unable to do so, I reached out to One Main Financial to request a deferred payment arrangement.

Once I made this request, I waited patiently for One Main Financial to respond to my request. During the extended response time for my deferment approval my payment became due.

I explained to the One Main Financial representative that I was impacted by the Covid-19 global pandemic and believed the CARES Act was supposed to prevent creditors from reporting late payments to credit reporting companies during the Covid-19 crisis.

The rep I initially spoke to on the phone said under the circumstances, One Main Financial was forgoing reporting late payments to the credit bureau due to their prolonged deferment request process. Therefore, I do not believe the 30-day late payment that was reported by One Main Financial was done so in good faith.

One Main Financial eventually approved the deferment but their delay in processing my request forced me to incur a 30-day late payment. I failed at my attempts to clear this matter up with them.

Currently, this One Main Financial entry is the only blemish that occurred on my credit report during the Covid-19 global pandemic. This entry inaccurately affects my current creditworthiness and continues to cause me financial hardship as I can not seek other loan approvals. 

# XXXX Around XX/XX/XXXX I paid the account in full ahead of its scheduled pay off date. However, as of XX/XX/XXXX, the current status shows paid, closed, despite the fact the account was " paid in full. '' # 3 - Also, the account number reported by One Main Financial on the XXXX credit report does not accurately reflect the account number I opened for this account.

Despite my efforts to resolve this issue directly with One Main Financial by requesting they remove this inaccurately reported account from my XXXX credit report, the inaccuracies remain. This One Main Financial account is still being inaccurately reported on my credit report as of the time of this writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A COMPLAINT AGAINST EXPERIAN, TODAY XX/XX/2020, I RECEIVED THE RESULTS OF MY DISPUTE MADE ON XX/XX/2020 VIA EMAIL, IN MY PREVIOUS DISPUTE I AM REQUESTING TO VERIFY ALL THE DOCUMENTS AND COPIES THAT CERTIFY THAT THIS ACCOUNT IS MINE AND THE COPY OF ALL DOCUMENTS WILL BE SENT TO MY ADDRESS. I KEEP INSISTING THAT THIS ACCOUNT IS A MISTAKE, THE RESULTS OBTAINED FROM YOU DO NOT GIVE ME WHAT I AM REQUESTING, AND I CONTINUE WITHOUT RECEIVING THE TRUE DOCUMENTS. THIS SITUATION HAS ME STRESSED, NERVOUS AND WITH GREAT ECONOMIC LOSSES, I HAVE NOT RECEIVED THE DOCUMENTS AND ITEMS BELONGING TO THE ACCOUNT THAT I HAVE DISPUTED XXXX  / XXXX  # XXXX. I HAVE GIVEN IT UPON MORE THAN 60 DAYS THE SYSTEM DOES LAST NOT MORE THAN TWO HOURS, OR EVEN MINUTES, AUTOMATIC RESULTS ARE ISSUED, I HAVE COME TO THINK AND MY CONCLUSION IS : TO ASSUME THAT YOU HAVE BLOCKED IT SO THAT IT CAN NOT BE DISPUTED FOR MORE THAN TWO HOURS. THEREFORE IT CAN NOT BE REMOVED AND AS A RESULT IT REMAINS THERE FOREVER, AS WELL AS THE AGENT OF THE DEPARTMENT OF SPECIAL AFFAIRS WHEN IT MADE ME THE THREAT THIS ACCOUNT WILL NEVER BE ELIMINATED UNTIL WE HAVE DECIDED, TO PEOPLE SUCH AS YOURSELF WE HAVE TO BE VERY RUDE. THAT MUST MEAN THAT AMONG COWORKERS THEY GIVE EACH OTHER INFORMATION FROM CUSTOMERS, THIS IS VERY DELICATE, THIS IS PROVIDED TO SHARE PERSONAL INFORMATION FROM CUSTOMERS, SOMETHING HAS BEEN DONE TO MY CREDIT THAT IS ACCOUNT DISPUTED AS IT SHOULD BE, AS THE LAW IS ESTABLISHED, SO WHY ARE THERE LAWS IN THE FIRST PLACE? 
WHERE ARE THE DOCUMENTS TO VERIFY? I ONLY ASK WHAT IS ALREADY IN THE LAWS AND I HAVE NO ANSWERS, THE RESULTS OBTAINED ARE ACCORDING TO WHAT THE AGENT THAT DAY SAYS SO. WORSE EVEN, I ASSUME THAT THEY DO NOT HAVE DOCUMENTS TO SUPPORT IT, BUT THEY DO NOT WANT TO REMOVE IT FOR THE PERSONAL WAR THAT THAT DEPARTMENT HAS TOWARD MY PERSON, EACH TIME I CALL, I AM AFRAID OF THE RETALIATION THAT THEY DO AGAINST ME, BUT NOW, IF THEY HAVE BLOCKED ME ON LINE, I TRY TO SUPPLY IT WHERE THEY TELL ME : EXPERIAN / UPLOAD, IT SAYS THAT MY DISPUTES CAN NOT BE BY THIS WAY, THEN I SEND THE DISPUTES VIA CERTIFIED POSTAL CORRESPONDENCE AND THEY DO NOT RESPOND TO ME, THE 30 DAYS ARE NOT TAKEN, IN FACT THIS MONTH I HAVE SENT MORE THAN 6 DISPUTES. YOU MADE A MANIPULATED LOCK WITH MY CREDIT, THE AGENT 'S THREATS HAVE MADE A VERY DELICATE REALITY, TO CONTINUE THIS SITUATION I WILL HAVE TO TAKE LEGAL MEASURES, I DESERVE AN ANSWER AS REQUESTED AND AS REQUIRED UNTIL WHEN YOU PLAY WITH MY NERVES, IS THIS A GAME OF? WHO ENDURES MORE AND WHO IS TIRED FIRST? I ASK FOR RESPECT, AND DIRECTLY ACCUSE EXPERIAN OF BEING AN AGENCY TO DO WITH MY CREDIT WHAT COMES IN THEIR DESIRE AND BY A PARTICULAR AGENT.
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX XXXX. XXXX XXXX in XXXX on my post XXXX which is paid for by the Va and they pay my tuition and fees and a housing allowance. The Va department falsely signed me up for financial aid and classes that was never taken and illegally sold my information to XXXX and took out false payments from my state withholdings. This is not the first time they have been charged with fraud. As you can see in account inquiry that is supposed to be my schedule where I withdrew all my classes but one and got a U in one out of 4 which is a class from XXXX. They they aggressively came after because I was a XXXX veteran and had ties to the Va to falsely accuse me of failing a class to look like I took it twice and failed. In enrollment form you can clearly see where they falsified fasfa enrollments. I am definitely going to sue
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a with SYNCB/WALMART customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Debt collection

XXXX XXXX have not verified my information nor did they validate the date. I have NO contract with them whatsoever. still put on my credit report and refuse to verify any information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a eviction off before it was put on my credit with company procollect and it is still on my credit as a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Dear Kohls, my name is XXXX XXXX I am a XXXX XXXX XXXX woman who lives in XXXX, Al. I recently looked at my credit report which I haven't in almost a year and I discovered someone open up a account in my name ( Online ) or in store with a fake id. I also researched and seen where somewhere in XXXX XXXX Nevada has rented a apartment in my name so I assumed the card was open up there with a XXXX XXXX Nevada address. This is not me!!!!!!! It is definitely fraud! Please see attached police report made XX/XX/XXXX  in XXXX Alabama where I filed a identity theft report. Shortly after in XXXX / XXXX someone open up this account. Please see attached documents I never lived outside the state of Alabama been here all my life. Please remove this fraudulent account off my credit reporting files immediately before I sue your company and hire legal counsel.
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureaus are reporting illegal unauthorized fraudulent transactions and charges from XXXX XXXXXXXX XXXX as evidence of XXXX police report XXXX and other evidence investigations from, XXXX XXXX XXXX and XXXX and XXXX XXXX investigations and XXXX reports Credit Bureaus ignoring all investigations and continue to report negative reporting on my credit reports from XXXX XXXXXXXX XXXX illegally repeatedly to clouding with XXXX XXXXXXXX XXXX in reporting negative on my credit reports.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of them, and the company acted without my permission.
Product: Credit card or prepaid card

. Bank of America closed my credit card account claiming that the adverse action taken is due to " bank policy '' However this is insufficient, as the CFR 1002.9 ( b ) ( 2 ) reads " Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. '' So, based on these Federal Regulations, BofA has failed to provide sufficient reasons for the adverse action taken on my account. ; and is therefore in violation of CFR 1002.9 ( b ) ( 2 ). My bank statements have absolutely nothing to do with this matter and do nothing to prove the false claims made by BofA that they have the right to violate any part of the ECOA. Don't point to my bank statements ... point to the law which is being violated, and show me where in the regulations are you entitled to deprive me of this specific information. I do not care what the bank 's contract says because it is negligible next to the law, and does absolutely nothing to support Bank of America 's faulty actions anyway. If a contract is in violation of the law then it is illegal. and if a contract is written in a way that enables the bank to violate the law, then the contract is, at the very least, unconscionable. The EOCA was established to protect consumers from various forms of discrimination. As such, banks are required to provide reasons for adverse actions. Without the specific reason why an adverse action is taken, then there is no way of knowing whether or not the bank guilty of discriminatory banking practices. If the CFPB does not take action against Bank of America for this blatant violation ; then the only implication that remains is extremely unfortunate. It is my hope and a reasonable expectation that the CFPB will demonstrate its integrity, upstanding principles, and ethical practices, as well as it's freedom from esoteric contracts and biases that are counterproductive to their mission of consumer protection.
Product: Debt collection

Upon reviewing my personal credit report, I've found discrepancies that could significantly impact my ability to own a home. I recognize that errors can occur, but these mistakes are particularly harmful. I've looked into the dispute process and understand that an investigation must be completed within thirty days. I kindly request your attention to the removal of this inaccurate information from my credit report. Given the challenging economic circumstances, I can not afford the negative impact of incorrect details on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. The identified errors are as follows : XXXX XXXX XXXX XXXX XXXX Please remove this fraudulent account in my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX  has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, XXXX and equifax never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.
Product: Credit reporting or other personal consumer reports

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. Collins v. Experian Credit Reporting Serv.. This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. Osada v. Experian Info. Solutions, Inc.. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA Anthony v. Experian Info. Solutions Inc..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I sent a dispute to Lexus XXXX they sent a letter back indicating they were unable to process my request on XX/XX/XXXX. On XX/XX/XXXX I sent them a letter back indicating this was frivolous and they needed to provide me with a method of verification mailed in another copy of my licence. Today I received a letter dating XX/XX/XXXX stating the same thing. There is not reason for this. I type all my letters and always include my id card.