23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally express my frustration with Indigo Credit Card, part of Concord Credit, following my application for their credit card. My experience has been extremely disappointing and troubling. 

Dates : I applied for the card on or around XX/XX/year>. I was informed that the card would take 14 calendar days to arrive. By XX/XX/XXXX, I had not received the card and was told to wait until XX/XX/year>. 

Delivery Issues After waiting the promised 14 days for my card, it never arrived. When I called customer service on XX/XX/year>, I was informed that the card had been returned because no one was available to sign for itsomething I was never made aware of. This lack of communication is unacceptable. 

Customer Service Problems The customer service experience has been chaotic. Different representatives have requested varying levels of my personal information, leading to confusion and wasted time. Initially, I was told that a new card would be sent, which would take another 14 days. They even offered to freeze my card for security, which I agreed to. However, when I later checked on the status of the new card, I was told it was on hold due to that freezethis inaccurate information has caused further delays. 

Fraud Alerts and Additional Delays After multiple frustrating calls, I finally spoke with a representative on XX/XX/year>, who seemed competent and apologetic. I asked if I could update my address to avoid further delivery issues since I had recently moved. A few days later, I received the card on XX/XX/year>. However, when I attempted to activate it, I found out there was a fraud alert because the card was sent to my new addresssomething I should have been warned about. 

Unwarranted Holds on My Card Additionally, after expressing my frustration and mentioning potential legal action during a call, they placed another hold on my card. I hadnt taken any legal steps ; it was simply an expression of my frustration. Now, I am required to send proof of residence and other documents via fax, which will delay things an additional 7-15 business days. 

I believe these issues could potentially violate consumer rights, and I hope to bring them to your attention in order to facilitate a resolution. I am appalled by the lack of customer service and the biased treatment of customers with fair credit. This situation feels like a scam.
Product: Credit reporting or other personal consumer reports

I made a dispute with XXXX requesting that an inquiry for a Bank of America credit card be removed off my credit report, per Title 15 U.S. Code 1681 ( b ), being that I do not have an open account with them. I was told to contact Bank of America and request that they send XXXX a letter of deletion. I proceeded to contact Bank of America via Customer Service. During two separate calls on two separate occasions with Bank of America customer service representatives, one from a call center in XXXX, Maine named XXXX XXXX ( XXXX ) on Wednesday XX/XX/XXXX, the other XXXX ( Last name not provided ) from a call center in XXXX, Arizona ( XXXX ) on Thursday XX/XX/XXXX, both Bank of America customer service representatives failed to disclose the recording of the phone call in a timely and adequate fashion. This is in direct violation of Title XXXX of The Omnibus Crime Control and Safe Streets Act of XXXX ( Wiretap Act ). The Electronic Communications Privacy Act of XXXX ( XXXX ) and Title XXXX U.S. Code 2511 requires that disclosure should occur immediately at the outset of a call while also making it illegal to eavesdrop/monitor or record confidential communication or cell phone conversations without the consent of all parties. Confidential communication can be defined as any communication carried on in circumstances as may reasonably indicate that any party to the communication desires it to be confined to the parties thereto. Then both of the Bank of America representatives proceeded to inform me that no such credit card application exist in their records which meant they could not produce the letter of deletion required by XXXX without there being an application tied to me ( or my social security number ). In the process of me trying to obtain the necessary information my rights under the XXXX and Title 15 U.S. Code 2511 were violated and I have an inquiry on my credit report for a credit card that Bank of America can not provide proof that I applied for. As a federally protected consumer I feel that this is an unfair act/deceptive practice.
Product: Credit reporting or other personal consumer reports

" I've contacted all credit bureaus for account removal. As of now, only XXXX has been successful in updating the information ''.
Product: Credit reporting or other personal consumer reports

Lexisnexis just sent me a letter stating that they are unable to Process my request because they NO LONGER have the unauthorized Public RecordsXXXX XXXX bankruptcy on their database. However I am fully aware that Lexisnexis only deleted my public information off their database after I complained to the CFPB and XXXX. Before that time Lexisnexis illegally accessed my public records and illegally sold my information to the credit bureaus. I have several questions for Lexisnexis. 

XXXX. Did your company obtain my public records without my authorization in XXXX? 
XXXX. Why was I given a new Consumer Number and Case Number then the one I had in XXXX? 
XXXX. Did Lexisnexis sell or resell my public records/ XXXX  XXXX bankruptcy to any third party credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX? In XXXX? 
XXXX. Did Lexisnexis obtain my public records and disclosed Any of my information from the XXXX  XXXX bankruptcy to any third party company in XXXX? 
XXXX. If Lexisnexis obtained and resold my public records without my authorization in XXXX is that breaking the XXXX XXXX?
Product: Credit reporting or other personal consumer reports

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Debt collection

XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Nj XXXX This company sends me letters and documents every week threatening to send me to jail if I don't pay them a debt I don't owe them. One time they sent me to court but they couldn't do anything because they couldn't prove that I owed them something. Every day I am stressed and afraid because every week they send a letter threatening to send me to jail if I don't pay them, and I have proof of everything.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/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
Product: Credit reporting

According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source ( creditor/s ) and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over one year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores. 
Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.
Product: Credit reporting

Requested a Formal Validation for XXXX A request for formal debt validation in accordance with the Fair Debt Collection Practices Act regarding the following account.
Product: Credit reporting or other personal consumer reports

They have refused to delete accounts that were tied into identity theft.
Product: Debt collection

Account was closed in XXXX of 2020. I had no knowledge of this account being opened and it was not mine. They closed account but they continue to call me and try to raise the amount of collection on closed account.
Product: Checking or savings account

On XX/XX/XXXX I opened a Citizens checking account under a promotion that was {$300.00} for a direct deposit of XXXX XXXX in 60 days and {$2.00} for every debit card purchase in 60 days up to {$100.00}. 

I fulfilled the direct deposit requirement on XX/XX/XXXX where I received a {$500.00} direct deposit from my employer. 

I was told to wait until XX/XX/XXXX for my {$300.00} bonus to post. This bonus has not been deposited in my account. After escalating with Citizens representatives, I still do not have the promotional bonus I am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

If you do not have any documentation in your files that verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At best, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please remove these accounts you didn't verify Under FCRA LAW : I DO NOT CONSENT TO E-OSCAR OR METRO 2 COMPLIANCE VERIFICATION XXXX XXXX XXXX XXXX XXXX point mtg XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

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

I recently reviewed my credit report and notice I have fraudulent accounts on my report..Please delete these item they are hurting my ability to obtain credit
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX, I transferred XXXX XLM crypto coin being valued about {$6300.00} from my hard wallet to Coinbase wallet. The fund successfully left my wallet and landed at Coinbase, but was not deposited to my Coinbase wallet.

I reached out to Coinbase customer service and opened a ticket. They requested additional information regarding the hash ID and transaction ID. I provided all they needed. To verify further they  requested that I should transfer exactly 15 XLM coin, to be sent out exactly from my original address as the one under question, and to be sent to the exact destination address. I did exactly as instructed and provided them with confirmation screenshot and all the information about the requested transaction. Since then they have not been responsive and have not provided any update. I opened another ticket to address the issue, but no luck yet.

Since cryptocurrencies value fluctuates, and I wanted to liquidate them, the value of my coin has decreased since then. I'd very much appreciate your assistance and support in this regard.

Sincerely,
Product: Credit reporting or other personal consumer reports

Home Credit Disputes Account Monday, XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

The following accounts are unauthorized or inaccurate, and I ask that you delete them : Account from XXXX XXXX  XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX XXXX needs to be removed. I am a victim of identity them and I never authorized this account. 

Account applied bank needs to be removed. I am a victim of identity them and I never authorized this account. 

Account A plus federal credit union needs to be removed. I am I'm victim of identity them and I never authorized this account. 

Account from XXXX XXXX  on XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX  on XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX. Delete account. 

Late payment from XXXX XXXX A letter from XXXX directly was submitted to update that the account was NEVER late, is CURRENT, and NOT past due. Please update to current, never late, paid as agreed. 

Late payment from XXXX XXXX XXXX. Account was NEVER late, is current, paid on time and as agreed. Please update closed account to reflect accurate reporting as : NEVER late, current, paid as agreed closed. XXXX must also be updated. 

Late payment from XXXX XXXX finance. I was never late. Please update to never late current and paid as agreed. 

Late payment as XXXX XXXX XXXX XXXX I was never late and need to be reported as current, never late, paid as agreed. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX XXXX XXXX credit card that was administered by Comenity Bank- a service owned and part of Bread XXXX- has continually failed to provide accurate and timely monthly statements of my account. These monthly statements are required from a CFPB perspective and necessary for me to know balances owed, fees, interest etc.. and to remit payments. I've reached out to the company multiple times and even filed a complaint with the CFPB, and the company has failed to rectify the issue. To date I still do not have access to my current monthly statements. The company claims there was a temporary outtage due to a technical update, but that that has been completed now and their systems restored. This however is not the case, as I am providing a snapshot of what I see today showing I have NO statements provided or available to me since XXXX of 2022. No attempt to provide these in a timely fashion via mail or within my online profile without me having to contact customer service has been adhered too. Bread should be held liable and fined for non-compliance with these requirements and customers should be compensated for their time and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for your efforts in removing some of the items from my file related to alleged fraudulent activity. However, there are still items that need to be addressed. According to FCRA Section 605, you are required to remove any items listed in ID Theft Report # XXXX. Per Section 605B ( a ) of the Fair Credit Reporting Act, you must remove any items opened without my knowledge, consent, or authority within four business days upon receipt of the following : ( 1 ) Appropriate proof of my identity ; ( 2 ) A copy of the identity theft report ; ( 3 ) Identification of the disputed information by me ; and ( 4 ) A statement by me affirming that the information is not related to any transaction I conducted. Please see the items for removal listed here : XXXX XXXX, XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX -- XXXX -- -Equifax XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} -- -- -- -- XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} ATLCAPBKSELF Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. You have four business days to remove the reporting of any items in my credit file associated with alleged fraudulent activity. I do not consent to the use of E-OSCAR or any automated verification methods. Your immediate attention to this matter and a response within four business days are required.
Product: Student loan

My student loan was transferred to XXXX. This company is showing my student loan as closed across some bureaus and opened across others. The total balance is not accurate across my credit profile either. I've been trying for months to get this corrected it has prevented me from purchasing a home and it also makes me disqualified for other credit ventures I apply for. It is against the law to report false information on peoples person credit. I am requesting that XXXX  fully delete this debt from my credit profile for falsing reporting items, inaccurate debt owed and XXXX asking that I be paid for all my pain and suffering for trying to continue to get this resolved. Im seeking monetary settlement in the amount of XXXX. All the times and hours Ive put into getting this corrected has fell on deaf ears. Im exhausted all sources at this point.
Product: Credit reporting or other personal consumer reports

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; XXXX XXXX XXXX  NATIONAL CREDIT SYSTEMS have violated all ABOVE laws