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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXDept of ed : # XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX However, they stated everything was complete and accurate. 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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the accuracy of a filing of a bankruptcy file # XXXX for about 6 months now. With a lot of hard work and determination I was able to have XXXX and XXXX remove this wrongful reporting that has a very negative impact on my credit. They removed this information back in XXXX andXX/XX/XXXX. However, no matter what I do, Transunion continues to fight me on this no matter what I do. 
I resulted to disputing it with XXXX which is who TransUnion informed me they recieved this public information from. I have finally received a notification from XXXX. 
DatedXX/XX/XXXX, a letter from XXXX, their file number- XXXX, clearly states this : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the FCRA , and subsequently removed this record from your lexis nexis risk view report. 

Therefore, this information must now be removed from my XXXX report!!!! I have since faxed this information 4 times, sent via overnight USPS mail with return receipt and each time they are claiming they are not recieving this information even though I have confirmation of each thing I do. I have called in atleast 4 times every single day and have filed 3 open disputes. I even went so far as to ask XXXX XXXX to contact them to remove this false information from my report. 
I need help. please assist me in revolving this matter.
Product: Credit card or prepaid card

I applied for an American Express XXXX card on XX/XX/2022. I was sent an adverse action notice on XX/XX/XXXX, XXXX following that I sent 2 offer rejected notices for the adverse action letters I received. American Express National bank keeps telling me that I was denied due to my XXXX  score, which is false and I explained how that is false along with PROOF as to how I can not be denied of my own extension of credit. American Express National bank has broke Federal law and I have been discriminated against being that my federally protected consumer rights were severely violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed a balance on my credit report of {$1900.00} on an account with XXXX that I did not recognize. I called XXXX to notify them of the false account. The representative on the phone refused to acknowledge the existence of the account, and a few days later I received a piece of mail stating they were refusing to remove the account. I then notified the 3 credit reporting agencies who performed their own investigations. XXXX removed the account, but Equifax and XXXX denied the fraud claim and kept the account on my report. I submitted a dispute against the denials and awaited a reinvestigation. When I realized the reinvestigation was going nowhere, in XXXX of XXXX I sent a letter to XXXX again asking for the account to be removed as well as any and all documentation relating to the fraudulent account pursuant to my rights laid out in the FCRA. In response, XXXX mailed me the same generic letter they sent me in XXXX denying my request to remove the account, and did not send any explanation or the documentation I asked for. The account is now holding a {$7900.00} balance.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

i am a current card user and my account has been locked by XXXX XXXX. i am unable to make any purchase due to Loss prevention locking my card and asking for proof of id. they require a me to fax my drivers license, social security card, a utility bill and, proof of income. I have worked with them to provide all information i could but no one will assist and my card continues to have a block on it i am unsure why the block has been placed on my card as i have had the card since XX/XX/2018 and made purchases and payments on the card. XXXX XXXX customer service has stated they will not close my account but will lock the account so i can not use it for as long as they want. ..
Product: Checking or savings account

There are new issues concerning this complaint. Me and my fathers trust account was not closed when my father passed away and even when he needed help with banking I was not contacted as joint account holder and Trustee. I am attaching a medical record for a XX/XX/year> diagnosis which shows my father, XXXX XXXX, needed help with banking because of a diagnosis of XXXX. This medical record was mailed to Golden 1.This was weeks before Golden 1 allowed a misappropriation of funds on XX/XX/year> & XX/XX/year>. My father was not allowed to " act alone '' as Golden 1 Credit Union policy states so XXXX XXXX forged my fathers signature and XXXX  XXXX won't give me that document. Also, my trust account was allowed to be raided by XXXX XXXX from XX/XX/XXXX, XXXX XXXX, 2020. XXXX XXXX made these visits to a local casino at XXXX in the morning while my XXXXXXXX XXXX XXXX father slept. Golden 1 Credit Union never contacted me even while there was a flag on the account. This is an emergency, I have no money to pay the bills for my fathers estate because Golden 1 allowed this to happen.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I wrote a check to our health insurance company for the month of XXXX in 2023 for the amount of {$1700.00} from my Chase checking account and put it in the mail. The money was taken from my account on XXXX XXXX, so I assumed it was the health insurance company. I then received a bill from them saying we owed for the month and I was confused. I then looked at the back of the check and saw a squiggly line in the endorsement, rather than the formally typed endorsement from the health insurance company. I immediately knew it had been stolen. I called Chase to report it and they told me I would receive the money back by the end of the day. This was on XX/XX/2023. I did not receive the money so I called again. This time they told I wouldn't get the money back. I was very upset so called a third time and this person told me I would have to fill out the Declaration of unauthorized endorsement or altered item form and send it to the health insurance company for them to sign their portion. I also filed a police report as well as a USPS claim. I did everything Chase has asked of me and still I have not received the money back. I have gone twice in person into the bank and talked with different managers. The bank should be protecting me rather than treating me like the criminal. My family needs that money back and I don't understand why Chase won't give it back.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to to correct the late open and delete the fraud items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the late open XXXX XXXX XXXX - be corrected and the following frauditems be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Citibank 's ATM machine ate my {$100.00} bill on XXXX XXXX, 2015. I submitted a total deposit of {$800.00} consisting of XXXX {$100.00} dollar bills, that I had just received from XXXX Bank, into the ATM machine. The machine response read as follows : " XXXX or more of your bills is defective. '' It then kept all the bills and gave NONE of them back to me. It only confirmed {$700.00} of my deposit, leaving unmentioned the extra {$100.00} I had deposited. So I got NO acknowledgment of the {$100.00} and also did not get it back in my hand. I went inside the branch to report the theft of my {$100.00} bill, and was told by branch staff that " it would no doubt be caught tomorrow morning when we get our accounts reconciliation for today 's activities. '' This {$100.00} overage was caught and noted by those same Branch staff, however, since then, restoration to my bank account has never happened, and in fact I was told that the results of their 17-days-later " fact-finding '' was that there was no overage, no loss, and no problem, so they were not going to restore my missing money! I should add that about a week after the theft of my {$100.00} bill, both outside ATM machines at that Citibank branch in XXXX XXXX XXXX, XXXX XXXX, CA, were being worked on by repair technicians, as I was told by branch staff members.
Product: Credit reporting or other personal consumer reports

PER XXXX/FDCPA/FCRA guidelines I've demanded EXPERIAN provide PROOF of how they " verified '' EACH ITEM ON MY CONSUMER REPORT!

THEY HAVE NOT instead they have SENT OUT ILLEGAL STALL TACTICS AS WELL AS EXTRA CONSUMER REPORTS WITH THE SAME INFORMATION THIS IS ILLEGAL AND I WILL SEEK legal counsel due to 15 USC 1681N WILLFULL-NONCOMPLIANCE SINCE XX/XX/year> TILL XX/XX/year> i have recieved nothing but stall tactics from experian AVOIDING THE laws set in place by the FCRA/FDCPA AS WELL AS THE XXXX as well as avoiding METRO2 COMPLIANCE XXXX HAS REMOVED THE SAME NEGATIVE INCORRECT ITEMS AND ( EXPERIAN ) MUST DO THE SAME.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and I have realized I have damages on my credit report according to the 15 U.S.C 1681 there should not be any damages on my credit report. It is a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( XXXX ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still XXXX not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : 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
Product: Debt collection

I do not have an open account with XXXX bank or calvary this is XXXX. I will be suing this account says open 1 month. My credit has been froze for over a year due to identity theft. 

Also who gave calvary my information? I will be at the court house today. This needs to stop The account says open how can an open account be in collections? FRAUD XXXX SUING
Product: Debt collection

I have a medical debt from Illinois XXXX XXXX. ( XXXX ) XXXX. The explanation of benefits was sent by me on XXXX XXXX. They have the information on " hold ''. Meanwhile Northwest Collection Company ( XXXX ) XXXX. Has been threatening me that they do not have to accept the insurance and I owe them the full amount. Now over a month and a half later the account is now in collections. No one from Illinois XXXX can request Northwest to remove the collections. I feel as if they are doing this so I can get frustrated and just pay full amount.
Product: Checking or savings account

Yesterday night I called to close my Chime banking account. I was not using it, and I realized that I didnt want to worry about the security of an account I did not use. The balance was low, but positive. Somewhere around {$0.00} or so. 

When I spoke with the CSR, she said that if I closed the account with them I could never open another one. Now, Ive not run into a reputable bank that bans you forever for closing an account in good standing, but I figured if thats how it is I probably dont want to come back anyway so its okay. 

Then I get an email that says Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. 

So they made it sound like I did something wrong, it was their idea to break up with me, and now they might do the equivalent of calling my boss to say Im a terrible person in order to get me fired, like reporting my account as in poor standing to whatever system the banks use that I dont understand and dont know how to dispute.

Its anxiety provoking and extremely shady. Worse, I dont know how to guard against any negative impact from it. I have no idea if this breaks any rules. I know nothing about banking. But I do know this is definitely not okay.
Product: Mortgage

On XX/XX/year>, I forwarded an insurance settlement check for {$210000.00} to Carrington Mortgage Services LLC for endorsement through XXXX. They are holding the check and not disbursing funds in a timely manner, causing me irreparable harm with my contractors and suppliers. When they did finally release ONE disbursement they sent it to XXXX, which has nothing to do with my XXXX or my setlement. Fortunately, a previous restoration XXXX was notified by XXXX that they had the check, or we still would not know where it was. I have written to Carrington directly and have not had any response from them. I have attached letters to them to this complaint. We need that money to pay our contractor and suppliers, immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I bought a keyboard from XXXX in XXXX, it arrived damaged, I asked for a return and was given an address in XXXX, not a pre-paid label. I check and it would have cost up to {$80.00} to ship back a {$130.00} item. I filed a dispute with Discover, it went back and forth. I contacted Discover asking for an XXXX agent, as I am XXXX, I was given a supervisor, I was in tears, the supervisor stated he would make a one time exception and refund me the amount and end this dispute once and for all and that I would never hear about it again. Today I wake up to a letter stating I owe the money again! They are unwilling to help me, lied to me, and are now assisting XXXX in defrauding me. " They never provided me with an XXXX agent!
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine and my identity may have been stolen which I have included with this letter. I have listed the accounts below. Its identity theft for sure and I do not recognize these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!