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

There is a line of credit being reported by Experian for XXXX XXXX XXXX for the amount of {$49.00}. Now this is an error because XXXX  XXXX XXXX provided an statement in which it shows a XXXX balance and I have forwarded this letter to Experian Twice and they claimed they have verified it with the source? how can this be when XXXX gave me the letter themselves stating XXXX Balance.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes whish antedates the report by more than seven years.

! 5 USC 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX of the fraudulent activity. they refuse to remove the inaccuracies insisting that they are accurate. In fact and by law they are not accurate and are illegally using my information without my written consent.
Product: Payday loan, title loan, or personal loan

I have paid over {$1500.00} on this illegal USERY INTEREST rate transaction 500 % which is a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX had advised me that they would settle this transaction for {$1500.00} XXXX However I receive a letter from a XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX, stating that I owe {$5200.00} on this illegal transaction. # XXXX, ( XXXX. 
I am retired and XXXX years old and I do not owe these people anything. 

Please help me ' Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX  XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX/XXXX XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX/XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

see attachments

DELETE ALL PERSON INFORMATION FROM MY CREDIT REPORT BESIDES THE FOLLOWING:

 XXXX XXXX XXXX

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax merge my credit report with someone else then refuse to take the inquiries off. 

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

Subject : Request for Assistance and Resolution Regarding Potential Credit Discrimination Dear XXXX XXXX Credit Card Department, I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding recent interactions and observations related to my credit account with XXXXXXXX XXXX I believe in the importance of fair and equal treatment for all customers, and I want to ensure that my experiences align with the principles outlined by the Equal Credit Opportunity Act.

1. **Recent Credit Requests : ** I have noticed one or more recent requests for new credit on my account, and I would appreciate clarification on the criteria and considerations applied in these instances. Transparency on the decision-making process would help alleviate any concerns regarding potential discrimination.

2. **Average Age of Accounts within Past 6 Months : ** It came to my attention that there might be a discrepancy in the average age of my accounts
within the past six months. I would appreciate a thorough review of this aspect to ensure that fair and unbiased evaluations are being made.

3. **Recent Payment Information : ** Concerns have arisen regarding the treatment of recent payment information. Clear communication on how recent payments are being factored into credit assessments would provide valuable insights into the decision-making process.

4. **Limited Installment Loan Experience : ** I have noted potential disparities in the evaluation of my limited installment loan experience. I am eager to understand how this aspect is considered and how it may impact credit decisions.

I understand the commitment Chase Bank has to upholding the principles of the Equal Credit Opportunity Act, and I believe that addressing these concerns will help ensure that my rights under this act are upheld to the best of your knowledge and in accordance with the law. 

I appreciate your attention to these matters and look forward to a prompt and transparent resolution. Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$1200.00} Charge-off XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX BANK XXXX XXXX Balance : {$850.00} XXXX BANK XXXX XXXX Balance : {$420.00} XXXX XXXX BANK ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have had a reverse mortgage with XXXX for well over 11 years, and I have been in full compliance with the provisions. They have been calling my home daily for the past year at XXXXXXXX XXXX EST, despite my request to please stop calling. I had a letter sent to XXXX from my attorney to advise them to please stop calling, as this is harassment. I am XXXX years old, and their calls are abusive, harassing and an infringement of the privilege of being able to call my home. There must be some guidelines for this type of behavior on the part of a financial institution.
Product: Debt collection

Since spring 2023, I have received about two calls per day from United Check Recovery Bureau from various numbers. They will leave voicemails, but when I answer they either wont give information or will have dead air on the other line. They have started contacting my family members as well, which is illegal to my knowledge. The number they are using is not a recognized company number. My mom and I have both blocked the number, so now UCRB is threatening me via email to have the debt pulled back and legal action taken.
Product: Money transfer, virtual currency, or money service

Hello, I am writing to you on this occasion because since XX/XX/XXXX I have not been able to dispose of my funds that are in the Hello Digit inc. digital wallet. 
Namely, I forgot the password to my Digit profile, so I contacted the Help at Digit administrators to help me access my account. They asked me for documents such as bank statements, deposit slips, blank checks, and personal documents issued by the state, all of which I did and submitted to them in emails in accordance with their instructions. However, since my problem was not solved, I contacted them again. They only referred me to other officials or computer-generated bots, who asked me for the same documents again and again and did not offer any solutions. Since I didn't get feedback from Digit about the status of my problem for almost a month, I tried to contact them in several ways, including through customer service, emails, and even through social networks, but I didn't get any response. I would also like to mention that the funds I have in their account are necessary for my everyday life, such as for reasons of health care among others. 
I am writing to you on this occasion because, as much as I appreciate their policy of privacy and protection of personal data, in this particular case it was carried out to the detriment of communication and customer services, and I do not receive any feedback on the status of my profile and I do not have access to the funds that I need and In this way, material damage is done to us, but also lost profit. 
I hope that through you I will be able to exercise my rights and that I will be given access to the account, and I am open to any kind of compromise and cooperation and I can provide any proof that is needed. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXXDOB XXXX, SS XXXX my address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX please add the XXXX to my name.I have a few incorrect items on my credit report. I have NEVER been late on any of my credit card accounts The following account is not accurate please delete XXXX XXXX # XXXX I never had a collections account sold to another office or transferred I am not sure maybe it was confused with my father we have the same name XXXX XXXX XXXX XXXX he was lived at XXXX XXXX XXXX , XXXX XXXX GA XXXX. That address is not mine please remove it from my credit report. The following phone numbers are not mine please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I would like my name OPT OUT of pre-screen credit cards and insurance promos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, Transunion, XXXX and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS
Product: Credit card or prepaid card

I submitted an application for a BJ 's credit card. I didn't receive the credit card. I called BJ 's informing them I haven't received the card therefore paid membership directly at store XXXX XXXX XXXX PA. I received a call XXXX 2023 from Commenty Bank issuer of BJs credit card informing me I would be placed into collections due to unpaid charges on BJs credit card. I informed Commenty Bank 's representative that I've never received a BJ credit card and that I had informed BJs  of this. Commenty suggested I contact BJs  which I did on XX/XX/ 2023. I filed a complaint with BJ 's Customer Care. Once their investigation was completed, BJs  issued two {$55.00} credits totaling {$110.00} to the credit card. Although Commenty received the credits, the credit card interest rate on the two erroneous charges were not reversed. Instead Commenty Bank sold the outstanding interest charges was sold to XXXX XXXX XXXX ( debt collector ). I'm at my wits end on how to deal with Commenty Bank especially after I informed them I had not received BJs credit card and BJs reversing the membership fees charged to this card. I thank you in advance for any and all assistance you can provided.
Product: Checking or savings account

Chase Bank, XXXX, XXXX XXXX, XXXX, XXXX XXXX, JP Morgan, and others have my information and show money in account but refuse to allow me to access. I get emails and letters in mail asking me about bankcards, debit cards, credit cards that I never received. I have recently seen many types of financial things like loans, student loans, taxes for amounts like XXXX from attorney general of Texas due to a partnership I was left due to intellectual property stolen and sold around the world that I arbitrated and became partners with XXXX and various other companies. Gained many stocks. Told by XXXX XXXX I was granted XXXX XXXX when Pres. Trump was given XXXX XXXX to disperse to people who had donated a large sum of money, which I had of the amount if XXXX XXXX while thieves were stealing from me. Decided I would rather give it to charity than thieves. Did everything to stop but it's complicated. Which I believe was orchestrated for that very reason, too many things happening at the same time which was obvious since the mistakes are not typical and you generally never see those types of mistakes happen to anybody which had now become apparent.
Product: Checking or savings account

I have been told I could not open an checking account because I have been a victim of Fraud or Scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ( officially picked up from the Post Office on XX/XX/2020 ) I sent XXXX XXXX XXXX a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt. LETTERS AND TRACKING WILL BE ATTACHED. Also, in the companies prior response, the company stated that it sent me initial notification letters. THAT IS A LIE AS I HAVE NEVER RECEIVED AN INITIAL NOTIFICATION LETTER. Furthermore, YOU ARE REQUIRED TO SUPPLY THE CONTRACT. What else gives me any legal obligation to PAY YOU? A CONTRACT WITH MY SIGNATURE ON IT. Also, on the XXXX XXXX  account, THAT ACCOUNT IS PAID IN FULL WITH THE ORIGINAL CREDITOR WITH NO HISTORY OF DEROGATORY STATUS *Proof will be attached*. ANOTHER THING, in your response to the previous complaint, you stated you ceased all communication and collection activity with me. My letter stated for you to CEASE ALL TELEPHONIC COMMUNICATION WITH ME AND COMMUNICATE WITH ME VIA LETTER MAIL AS WELL AS CEASE ALL COLLECTION ACTIVITY IF YOU CAN NOT VALIDATE THE DEBT. Is this your admittance that you can not validate the debt? To this day, this company has not legally validated this debt and still reports it to the credit bureaus. This company has not answered any of the questions in my letters. Billing statements are not a validation or proof of debt as anyone can create a billing statements. How do you have a billing statement from the XXXX Account and the account is paid in full? How do you have a XXXX XXXX  account and that account ( original creditor ) is not on any my credit reports. Lastly, how do you own accounts that are allegedly mine if the Original Creditor CANT EVEN VERIFY THAT THOSE ACCOUNTS BELONG TO ME.
Product: Debt collection

I owed a XXXX XXXX XXXX XXXX from XX/XX/XXXX said I agreed to pay XXXX a month I never did that the statues of limitation have run out as of XXXX summons me to court I replied by sending the court the bill the summons and a letter stating did not owe it due to the statues of limitations on new York state is 6 years so they have put a judgement against me
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Now I did submit a complaint last year in regards to this self lender account. The company stated in its letter that the account line up with the transactions address, may you provide proof of that address. Also I have two accounts reporting different balances which against the law must be removed due to inaccuracies. This collection thats reporting on my credit report falsely has given me distress due to me being declined personal needs for my children. 

The date opened is XX/XX/2020 the balance is {$600.00} then there is the third party I believe XXXX XXXX that is reporting a paid balance of {$720.00}. The accounts are not correct which in the letter the creditor has stated I disputed the charge and which I was also granted credit due to me not using any credit from self. This will be the last action I take before I take further action.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with 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 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: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said account on their records.I also contacted the company associated with this account and they said they have removed the account, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had US Bank account ( opened in XXXX AZ ) but no online access to this account. 
Later I moved to XXXX TX during mid ofXX/XX/XXXX. On or abouXX/XX/XXXX Without any warning US Bank deducted {$8.00} from my bank account for monthly maintenance fees most probably for keeping balance less than {$1500.00} per month. I will say - in their response they will say that at the time of opening of this account -it was mentioned in the fine prints. But don't you think that they should have at least send a communication about non compliance rather than directly deducting the fees? 
Moreover I don't have the online access for this bank account so I couldn't figure out anything. 

Made the complaint to CFPB ( XXXX ) and usual response from US Bank that read our fine prints etc ... 
US Bank retaliated against me by further. I simply wanted to close my account and mentioned this in my complaint to CFPB also. 
Rather than helping me this bank caused further damage. I tried to withdraw my balance ( which i thought it should be there ) Not only they dishonored my check - it resulted into check return fees of {$7.00} into my XXXX XXXX  account. 

I never had overdraft protection on this account so why this bank keep on charging me {$36.00} overdraft protection fees? 

On XX/XX/ opened another CFPB complaint ( XXXX ) OnXX/XX/XXXX opened another CFPB complaint ( XXXX ) Please refer to the current letter from US Bank. They just keep on adding their charges. 
I can't pay any of this. At the same time - it's none of my mistake - so I don't want any remarks on my credit file which impact me in the long run.