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

XXXX XXXX : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the report. 
Inaccurate Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, is not mine and i was never associated with this address. 
Inaccurate Reported OVERDRAFT from XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX, is not mine and i was never associated with this bank account. 
Inaccurate Reported Inquirer : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXXXXXX XXXX In detail, you recorded that I had non-sufficient funds with XXXXXXXX XXXX on or around XX/XX/2021. I am disputing this record because I believe it to be inaccurate because I am a victim of identity theft. Please request evidence of this unresolved outstanding negative record from XXXXXXXX XXXX and investigate this item for me. 
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 
Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agency has several items on my personal information section that are not mine or are not related to me. This includes several Social Security numbers that are not mine, several addresses that are not mine, or, are not my current address. 
Under the FCRA the reporting agency is required to provide accurate information and therefore, will report accurate information by removing any information that does not belong to me as well as any credit records and accounts that do not belong to me or are not related to me. 
I have attempted to resolve these inaccuracies with Experian several times in the past, there was no action taken on their behalf.
Product: Debt collection

THEY CALLED MY PLACE OF EMPLOYMENT HARRASING ME AND MY EMPLOYER XX/XX/2019. THEY WERE TOLD NOT TO CALL. TO MAIL CORRISPONDENCE
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( XXXX ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX 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: Debt collection

I was a victim of violent crime. I am not responsible for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX card that was serviced by synchrony bank it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and XXXX XXXX. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.
Product: Checking or savings account

at XXXX XXXX on XX/XX/XXXX i initiated a XXXX payment for {$820.00} to be sent to my business account, the payment was place on hold and needed to be verified. i placed a call to Truist bank to verify my identity. but was told i can not do that since the number i have on file and held personally for 12 years can not be used since its not in my name but my spouse. i requested to have the XXXX canceled since i needed to use the funds to make some bill payments by the same day to avoid {$270.00} late fee but agin was meet with the same difficulty by two supervisor one by the name of XXXX XXXX, the bank insisted that the can not send a code to my phone number on file nor can the use any of the personal information or security questions on file to verify my identity and that i would have to find a local branch to verify my identity, never attempting to Properly verify my identity. i would like this matter investigated and safety guidlines become reviewed.
Product: Bank account or service

My name is XXXX XXXX. I have a bank account with JP Morgan Chase bank N.A . I recently submitted XXXX 3-party checks with the allowance of the owner 's of the checks. I was told by Chase bank that I need to get authorization by these XXXX persons either by visiting them the branch or sending authorization letters notarized by US Embassy to one of Chase branch. I got the letters notarized and shipped to Chase bank branch. I spent XXXX usd to get letters notarized and another XXXX to get letters delivered to Chase branch. Otherwise, Chase would close my account and send a check to my mailing address. So I spent XXXX usd just to keep my account at Chase bank. Letters were delivered in 3 days, they have reviewed them and re-activated my account. 
Meantime, when I logged in into account I saw that Chase debited from my account XXXX usd that I tried to withdraw but ATM did not give me funds because the account and the card was restricted at that time. However, Chase was debiting me like ATM did give me cash. So I had to file a claim to get that money back to me. It was filed on XXXX XXXX and on XXXX XXXX Chase provided temporary credit of XXXX usd. I ran out of money and I need some funds, I had to withdraw XXXX usd again. The ATM again did not allow me to do so and when I called to Chase to ask the reason, I am being told that they are closing my account!!!! They are closing my account. All actions I have done, all money I spent was for nothing! They are anyway closing account. 
I did all these actions because I wanted to keep my Chase account. Since I am not in the USA, it costs a lot of money to call Chase each time, I spent more over XXXX usd overall to call Chase and talk to representative to get my issued resolved. That is more than 5 hours of time. The biggest part are my efforts to keep chase account and my personal time, these are not countable, these are invaluable for me! 
My impressions with Chase Bank is associated with my impressions of USA, since it is the bank I opened in the USA. I do not want to loose those impressions, please do not take them from me. 
Please help me out. 

Thank You XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I here by Opt-out of XXXX XXXX sharing my nonpublic private consumer financial information with any third party non affiliates. Continued reporting will be a violation of Regulation P of the XXXX of XXXX XXXX. 

This is a Notice Of My Intent To XXXX for a violation of my consumer rights.
Product: Debt collection

I have a dispute covered under California Consumer law against Care Credit ( specifically under California XXXX XXXX XXXX XXXX, known as the Credit Card Rule ) In order to pursue my rights I need the address for service of process for XXXX executives in the Synchrony/Care Credit Business. I have attempted to serve them, but they have successfully avoided service which is in and of itself bad faith. I believe there is a concerted effort by Synchrony to prevent service until the statute of limitations runs out this is acting in bad faith.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my Information being exposed, I have submitted a FTC complaint reporting the information that I am not familiar with. 

Please find attached a copy of my drivers license, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and validation of debt letters.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violates the Consumer financial protection act cfpa. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act EFTA. and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The following inquiries were requested illegally without my consent and fraudulently pursuant to Section 604 of the Fair Credit Act. 

XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed some in accuracies so I reached out to each credit bureau for the purpose of correcting the issues. I have sent several letters explaining how and why this information was incorrect. The credit bureaus have not provided any debt validation for the information being reported. 

XXXX XXXX ; Acct : XXXX XXXX XXXX XXXX XXXX ; Acct : XXXX
Product: Debt collection

I was at a friend 's house around the corner from my parents house when I had a XXXX. My mother showed up before the ambulance or before any medical personnel showed up and she was going to take me to the hospital. The ambulance showed up as I was walking out of the house to get into my mother 's car and they said that they would give me a ride to the hospital but I refused as I knew the bill would be astronomical and I did not have XXXX insurance and my mother was already there before the ambulance and my mother was going to take me to the hospital but the ambulance would not allow me to ride with my mother and put me in the back of the ambulance even after I told them I did not want to ride in the ambulance but they would not take no for an answer and forced me to ride in the ambulance to the hospital and now they're trying to collect the bill for that ambulance ride which I did not want. They have submitted the bill to a collection agency without ever contacting me nor ever trying to collect the money for the bill from me before submitting their bill directly to a collections agency which has placed this on my credit report ad a collection which the collection agency never contacted me directly to attempt to collect the funds and skipped right over contacting me and placed it directly as a collection on my credit report which is now hurting my credit all from the ambulance ride that I refused and did not want but ambulance personal forced me to ride in the ambulance anyway.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

Bankers Healthcare Group, Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX I have received several letters offering working capital loan up to {$250000.00}. The letters includes a user name and password to activate this loan. This leaves me vulnerable to someone else activating the loan and identity theft. 

I sent a letter XX/XX/XXXX to the above address requesting removal from their mailings. I have since received letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with user name and password. 

Based from on-line comments concerning this company I am very concern about identity theft. 

I am retired and have no interest in a loan. I am tired of multiple loan letters especially with user name and password, with risk of identity theft. 

I am also irritated that my letter of XX/XX/XXXX was ignored.
Product: Debt collection

{$470.00} XXXX XXXX XXXX XXXX Fall 's Collection Services Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX ( Does not exist ; TRY TO CALL THEM ) Auto insurance now, not collections service. This was paid 3 years ago and they didnt correct it, now out of business. 

This should be removed, as there is no way to call, write, email Fall 's Collection Services and get them to correct the record that this was paid 3 years ago.
Product: Student loan

File several recertification applications with  FedLoan  for my repayment program and all were rejected until the most recent one. Once the application was excepted it was placed on hold. Now a new bill has been issued and it is an amount 3X greater than usual. I can not get  FedLoan  to process my recertification application in a timely manner. I am endanger of defaulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and was denied base on the company SafeRent consumer report.
Product: Checking or savings account

Hello, My husband had a XXXX check that he deposited into our joint account at Citi Bank in XXXX XXXX we received a message stating that the funds will be available on XX/XX/XXXX, when we called because the check was placed on hold, we've been contacting them almost every day because we have to pay some bills and finally i spoke with this representative at the branch and she told us that she was finally able to reach out to fidelity to verify the check and it is confirmed to be a valid check and that to allow XX/XX/XXXX hours the account will be back to active and the funds will be available. I called in today and they are telling me I need to wait XX/XX/XXXX days to receive the funds. It has been almost a whole month despite the typical check holding policies outlined under regulation cc. I have attempted to resolve this matter through multiple previous calls but i have not received a satisfactory response or release of funds. I am requesting a written explanation for this excessive delay and immediate access to my money. This delay has caused me financial hardship where i have missed a car payment. I am even considering taking legal action for this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with these bureaus Equifax, XXXX, and XXXX to conduct disputes on my credit report for these following actions I'm about to thru attachments. It's been 90 days and I haven't heard anything back nor has there been any changes to my credit report. I just want these issues resolved so I can move on to further ventures with my credit. Please And Thank You.
Product: Credit reporting or other personal consumer reports

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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}
Product: Credit reporting or other personal consumer reports

I applied for an XXXX XXXX Credit Card on XX/XX/2024 I got an adverse action letter XX/XX/2024 I responded to Navy Federal Credit Union on XX/XX/2024 wondering why I am being denied credit for this consumer transaction under the equal credit opportunity act this is discrimination and under the fair credit reporting act as well the information reported on my credit report was not consented too and was inaccurate and negatively affected my credit report. 
15 usc 1602 15 usc 1611
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text message that said my account was going to be 30 days late so I tried reaching out to Grain. I replied to the text message, called the number listed on their site as well as sent messages on XXXX and XXXX. No one ever answered the phone nor called me back. Eventually someone from XXXX responded. During the time when I was trying to contact them I continued to try to get into my account but I was asked to verify my account and submit documents which I did. I was never able to get into the account. Several times I was asked to connect my account, I have all emails and text messages that indicate that my account was connected from my bank. I tried relentlessly to get into my account from XX/XX/XXXX up until I paid it off on XX/XX/22. They finally sent me a one time link to make payment. To this day I have no access to the account. After telling me I was verified and fine they lock me out. I reset my password thinking thats the issue and NOTHING!! I cant get in to make a payment, see my account, or anything.which will reflect negatively on my credit. After several emails with their customer service staff I was finally sent the link to pay it off. A few days later they reported my account was 30 days late to XXXX and XXXX. I have never been late. Payment was through auto draft. Someone would email me saying that my account should be ok and that I should log in again. I did everything I was told but still they report late payment do my credit bureaus. This is unacceptable and I want my credit report correct. This was not my fault that their app was not working. I have all emails and text messages do back up my claim. This is unethical and Grain Technology should be closed down. This is a very shady company. How can they report me late after I made payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit bureaus, XXXX XXXX, Equifax, and XXXX that this account is over seven years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.