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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

Last week i received a letter from XXXX  XXXX XXXX indicating that i had {$1600.00} in a prepaid account from the government for XXXX payments. i contacted XXXX  XXXX XXXX to make sure this was a legit letter and they said yes it came from their Government Prepaid Card department and it was legit and to call the number on the letter. so i called them and they said they had the money and they were going to mail me a check. I received the check and mobile deposited it into my SoFi account. the day after i received notification that my account was frozen pending investigation. i called them and they told me they couldnt tell me anything just that there was an internal investigation and that they would update me via the app. its been a week and a half and i hadnt heard anything from them so i called them today and they said my account is being closed due to violation of the user agreement. i asked if they could explain what that violation was. and they said they could not give me that information. i then asked to be transferred to someone who could and they said that no one could give me that information. that they were just closing my account.
Product: Credit reporting or other personal consumer reports

This morning, I saw inaccurate accounts on my credit report, and Im completely baffled as to how they got there. I regularly check my credit report, and its always been fine, but now there are unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors were still there. Im pleading for the documents Ive sent to be reviewed carefully so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX XXXX Date Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Experian not properly investigating consumer reports To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report, which I believe are a result of the XXXX XXXX breach that compromised my personal information. I am invoking my rights under 15 USC 1666b ( Timing of Payments ) and 15 USC 1681b ( Permissible Purposes of Consumer Reports ) to address these issues. 

XXXX. XXXX XXXX XXXX  XXXX** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, as payments were affected by the breach. Also, verify permissible purposes under 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX*Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX, XXXX, XXXX, and XXXX. 
- **Correction Requested : ** XXXX these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

XXXX. XXXX XXXX Charge-off Account** - **Balance : ** {$6200.00} - **Issue : ** Late payments reported for XXXX through XXXX. 
- **Correction Requested : ** XXXX these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

XXXX. XXXX XXXX Charge-off Credit Card** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments inaccurately reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

XXXX. XXXX XXXX  XXXX  XXXX  XXXX** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XX/XX/XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

XXXX. **XXXX  XXXX XXXX XXXX XXXX XXXX **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payment reported for XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

Please update my credit report to reflect these corrections. I have enclosed copies of my credit report with the erroneous information highlighted and the settlement documents for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these corrections and verifications have been made. 

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

I expect expedited removal of the XXXX XXXX on my Credit Report.
Product: Debt collection

I open a credit card in the store with XXXX two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00}. I explained to XXXX that I never received any statements the representative stated that the statements were coming back to XXXX return to sender. XXXX had the wrong address that was why I never received the statements. However instead of calling me two years ago to correct the situation they just ignored the problem. 
When I called XXXX they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call XXXX back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} not {$290.00} Also XXXX was rude and did not try to assist me in anyway. XXXX said over and over again that XXXX will not settle the amount that I had to called the collection agency who already told me to call XXXX for XXXX to waive the {$250.00} because it was a bank error The account was open in XX/XX/2015 agreed however the cashier entered my information and I was not able to confirm the address from the register therefore because I never received the card I forgot about the original charge of {$44.00} I did not receive a call from XXXX on XX/XX/2015 my question to XXXX is if you receive returned mailed from me why did n't anyone reach out to me why was all the late fees allowed to accumulate? 
This seems to be unfair, deceptive and fraudulent charges due to XXXX not following up or doing the proper due diligence for the customer XXXX is just trying to take advantage of a senior citiz
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to thoroughly and openly investigate several misleading accounts listed below on my credit report. They have engaged in frivolous and nefarious activity in terms of re-investigating these accounts. I am hereby enlisting the help of the CFPB to hold them accountable and will be sending this complaint also to the FTC and my State Attorney General to resolve these matters expeditiously. I have sent TransUnion several challenge letters some of which I attached below. All my letters are in accordance with FCRA guidelines and provide proof to enable TransUnion remove these inaccurate accounts. Sometimes TransUnion vaguely " remarks '' some of these accounts without providing me with any actual proof of how they allegedly verified said accounts. This violates several federal laws and is willful violation of the FCRA. Any new or future remarks on any of these accounts will be taken as admission of wrong and liability. I have also sent several direct challenge and dispute letters to the creditors associated with these misleading accounts which I attached below. These creditors have refused to correspond directly or validate these alleged accounts and debts in accordance with the FDCPA. TransUnion continues to illegally collude and communicate with these creditors who are also all in violations of my cease-and-desist letters which I sent them directly.
Product: Debt collection

On XX/XX/XXXX I requested verification of the debt they claim I owe. However, I did not receive any response until approximately XXXX  days later, on XX/XX/year>. This delay is unreasonable and does not comply with the Fair Debt Collection Practices Act ( FDCPA ). 

Given the delay in your response, I dispute the validity of the debt
Product: Debt collection

On XXXX, XXXX XXXX, 2015 at XXXX EDT, a debt collection agency called Enhanced Recovery Company ( ERC ), based out of XXXX XXXX Florida , XXXX tried to contact me with a robocall. The robocall did not address me by name and instead gave me a XXXX number to call and also gave me a XXXX-digit reference number. I did not have a pen handy and the information was given only XXXX before disconnecting. I checked my caller ID and it said " private number, '' so I had no one to call back and did nothing at the time. I received a XXXX robocall from ERC on XXXX, XXXX XXXX, 2015 at XXXX EDT, this time the XXXX appeared on my caller ID. I was told to call XXXX and given a XXXX-digit reference number. I called the number demanding to know why they 're calling me since I know I do n't owe anybody anything. They asked me if my name was the person they 're trying to collect a debt from. I said no and that I did n't know this person. They apologized and promised to remove my home land line number from their list so presumably they wo n't call me again.
Product: Credit card

I am writing to formally complain about recurring issues regarding Citibank 's credit card fraud alert system and the subsequent handling of such cases. 

Despite my diligent efforts to notify Citibank in advance of my travel by placing a travel notice across all of my accounts, my credit card is regularly flagged for fraud, leading to unwarranted freezes on transactions. This repeated failure of their systems to account for travel notices is both inaccurate and disruptive. 

To compound the issue, the contact number provided to resolve such consistently routes me to overseas call centers. While I respect and value diversity, the staff in these centers frequently have limited proficiency in English and heavy accents, which severely hampers effective communication. This adds unnecessary frustration to an already inconvenient situation. 

The most troubling aspect, however, is that these call centers are often closed or otherwise unreachable when needed. The lack of alternative methods to confirm activity or contact Citibank support in such cases is unacceptable and leaves customers stranded without access to critical funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Tried to use all my American Express cards today after 20 years never late great credit American Express agent stated for abusive language on XX/XX/XXXX first was said I was in collections I asked what was said he did not know and referred me to a toll free number left 4 messages no responses from American Expess No notice at all totally closed 8 of my American expesss cards Mind blowing since I did not use any abusive language and agent could not verify Out of the blue closed everything after 21-22 years Canceled
Product: Checking or savings account

Chase Bank basically has an account under my name. I cant qualify and get an account with them three days ago. The dark web on XXXX XXXX alerted me and they told me that my social has been compromised and that theres a chase account under this persons information and they have their email address and the phone number is the thing. I will also upload that and send it to you so you can do an investigation about this account and get this removed off my name. I really greatly appreciate It
Product: Mortgage

I believe there is an inappropriate relationship between the provider of my construction loan, XXXX XXXX, and the builder I originally hired to lead the construction of a new home, XXXX XXXX XXXX  I was originally introduced to XXXX XXXX as the " preferred lender '' in XXXX XXXX XXXX self-described turnkey building program. I closed on a new residential construction loan with them in XX/XX/year>. It has been over XXXX since this process started and XXXX XXXX XXXX has not provided any of the products and services promised and I do not believe they are capable of doing so. Meanwhile, I have been paying the monthly installments of my construction loan while not receiving any of the products and services promised. With XXXX XXXX listed as the preferred lender, I was presented this turnkey build program as if it was something successfully completed between these XXXX companies many times before. This does not appear to be true. I don't know that XXXX XXXX XXXX has ever successfully completed the build of a new home. I do not believe XXXX XXXX ever successfully participated as lender in the construction of a new home with XXXX XXXX XXXX I was told by XXXX XXXX executives that the entire team responsible for the relationship with XXXX XXXX XXXX has left the company. This is a major red flag to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY XXXX INQUIRES THAT I AUTHORIZED XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft a while ago. I was informed that there was an data breach with Equifax. I pulled my credit report and noticed that I had an unauthorized account my credit report. I contacted the company and they sent me a letter to have it removed from my credit report. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


Please correct these accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX Balance : {$530.00}
Product: Checking or savings account

I have transferred the money to savings account. I have cancelled all my bills and wasnt expecting a charge. They paid XXXX and charged me overdraft fee. I contacted the bank and they stated that it is correct and my back up account wasnt connected to the checking and I got charged a fee. It states on the company policy that as of XX/XX/XXXX they are eliminating insufficient funds fee. They didnt eliminate one for their loyal customer and try to charge you any fee possible. Please take a look at this company.
Product: Credit card

This card is new to me and I have not gotten used to using it. So, I was only a few hours late paying a payment ( 3 hours to be exact ). The payment I made was more than ten times the minimum. They have an AI chat bot that denied my request for a waiver of the late fee. I tried to get clarification from the AI bot they call " XXXX '', but it just changed the subject. A human would have seen the large payment and the so few hours late the payment was and made a different decision on the waiver. 

Also when I tried to download a transcript of the chat they forced me to take a survey, then at the end of the survey they would not give me a chat transcript. It just showed an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF XXXX XXXX XXXX  IDENTIFY THEFT!! Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. A ConsumeXXXX reporting shall block the reporting of any information in the file of a consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Reporting Late payment and Utilization is illegal. Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT. 15 u.s.c. 1681a and 15 USC 1681. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for, ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete accounts from my consumer report immediately. 



Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card and FTC identity theft Report. I don't want to have to file a lawsuit again.
Product: Mortgage

Company refuses to provide me with the process for paying additional money on my account. I submitted inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and although their email response states I will hear back within 5 days, I have not received the information requested. Additionally, my online payments used to have a way to pay extra money ( an amount of my choosing ) to my account ; however, that has disappeared. I received one response that I need to call to get the information. That is not acceptable! This simple question can be answered in writing. The only reason for them not to answer is that they want to continue charging as much interest as possible. This is the second time I have had to contact you to get this simple question answered. They restored my online ability to pay an amount of my choosing online mysteriously in that case, stating it was always there. This time I will attach proof that it is not there. And I want to request that it REMAIN until my account is paid in full. Furthermore, they have not at a minimum provided me with mailing instructions either for mailing in extra amounts of my choosing to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraud collection on credit report that I disputed and the credit bureau are reporting that it has been verified.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX