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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

This " Jefferson Capital Systems '' company will not give me proof or any kind of information on this account that's on my credit. Jefferson Capital just keep saying that I owe them a debt and that the information that I'm giving them to " authenticate '' my so called account with them, do not match what they have on file. This account has been clearly opened up as a fraud account because it was not authorized by me, myself. Please remove it immediately because it is hurting me from potential higher scores and is causing me denials for new credit, reason why I checked my credit.
Product: Credit card or prepaid card

On XX/XX/22, while checking my account online, I discovered 8 charges on my BJs Perks Mastercard that I did not make. I immediately called the number on my card ( XXXX ) XXXX ) to report the charges and was on hold for over 20 minutes and never spoke with a customer service representative. I also contacted them through the secure message center, explained the problem and uploaded an attachment of the 8 unauthorized charges. I received a form letter response asking me their " Account Protection team '' by phone at XXXX. I have called both numbers at multiple times since and each time was on very lengthy holds without ever speaking to a person. I sent another message through the online message system, letting them know I tried to call many times but could not talk with anyone to resolve the issue, and provided my phone number for them to call me. I got the same form letter response asking me their " Account Protection team '' by phone at XXXX. Again, I've made multiple attempts to contact them with no answer. 

The 8 charges were all made on XX/XX/22 All appear on statement as " My Bj 'S Perks XXXX XXXX XXXX, FL '' Amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these charges. I have uploaded a screen shot of these charges on my account. I am extremely frustrated by the non-existent customer service for this credit card ( issued by Comenity Bank ) and at a loss for how to resolve this. My account is in good standing and I pay it off each month. I am worried this will affect my credit score. I was able to lock the cards on the account. I want to have these charges removed and close my account ASAP. I have uploaded attachments of my correspondence within their messaging system. Thank you very much for your help and attention to this matter. XXXX XXXX
Product: Mortgage

On XXXX/XXXX/XXXX I applied for a mortgage pre-approval. I was denied in significant part because of the ratio ( % ) of revolving credit utilized compared to revolving credit available. There were other issues that I have been able to correct, however not the terms of a Chase second mortgage. Page XXXX of the attached file is the merged credit report from XXXX showing my revolving credit balance as {$35000.00} and available revolving credit as {$7500.00}, a utilization rate of 78 %. Also note on pp. XXXX that both XXXX and XXXX identified ( factor XXXX ) the proportion of balance to limit on revolving accounts as too high as part of the reason for the low credit score and subsequent denial. Page XXXX of the attached file from XXXX shows the Chase MTG as a home equity loan revolving with a limit of {$27000.00} and a balance of {$25000.00}, utilization of 93.4 % of revolving credit for just this XXXX account. The issue is the actual terms of this second mortgage. I took this as a HELOC in XXXX XXXX as a 10 year interest only HELOC that I was able to draw from for home improvements. It matured in XXXX XXXX, the draw period ended so it is no longer in fact a revolving credit account, as I no longer can withdraw funds from it. The terms changed and as agreed I began making principal and interest payments on the account beginning XXXX XXXX. I disputed the terms only via XXXX on XXXX/XXXX/XXXX, asking that the terms be changed. I received the results of the dispute on XXXX/XXXX/XXXX ( XXXX of attachment ). XXXX XXXX indicated that Chase verified the account as revolving with all three credit bureaus. I contacted Chase MTG. on XXXX/XXXX/XXXX and spoke with XXXX different customer service employees. They XXXX agreed that the terms had changed and this was no longer a revolving charge account. They contacted an employee in the credit reporting department and a senior employee in the mortgage/home equity department. XXXX those employees also agreed that this was no longer a revolving charge, but stated that the terms could not be changed or reported to the credit reporting agencies any differently unless I would refinance to a home equity loan. I told them that would be foolish because I was selling the home and this second mortgage would be satisfied with the proceeds from the sale. Plus, I would incur significant costs and fees associated with a refinance that were not in my best interests. In the end, while they all agreed that in fact I was correct, they could do nothing about it. XXXX XXXX of the attachment show the actual current revolving credit that I have. A total of {$4700.00} available and utilization of {$1400.00} or 31.5 % utilization. Correcting the terms of the Chase MTG by deleting the revolving notation and identification as a second mortgage would increase my credit score significantly. It is not fair that despite the facts, this company is unwilling to correctly identify the current terms of this loan, apparently for the sake of making additional profit with a refinance is just wrong. Thanks in advance for your assistance. XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. 
. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 

Despite several Attempts, Credit Reporting Agency Failed To Show Validation of debt And Failed To Send Dispute result Via USPS MAIL HAS REQUESTED, and keeps saying the account is verified with no documentation to back that claim up I demand this inaccurate account be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX - Account NumberXXXX My parent has the same name as me. 

XXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item. 

XXXX  - Account Number : XXXX Please Update all payments, all pay was made on time. 

XXXX - Account Number:XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX XXXX XXXX - Account NumberXXXX i don't recall having late-payment on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report incorrect, inaccurate information about The XXXX accounts on my consumer Credit report. I disputed the Late payments they have and reporting on my consumers report for XXXX, XXXX and XXXX. 
They did not verify the disputed information, instead left the same Late payments that they continue to report and said they updated my report. These payments were never late. My account was in a Deferment status at the time in which Equifax is reporting Late Payments. 
Because of Equifaxs inaccurate reporting and failure to verify, I was denied a home mortgage loan.
Product: Debt collection

I received an offer from Midland Credit Management to settle an old collection account for " 40 % off '' 'if I paid {$740.00} by XXXX/XXXX/15. I mailed them a check for that amount which cleared on XXXX/XXXX/15. Today I received a letter stating " Our records indicate that your payment plan has expired or you have not yet established a payment plan on your outstanding balance. '' Now they are demanding {$490.00}. I feel this is unfair since I accepted their offer of a lump sum payment and consequently did not need a payment plan. 

I do not wish to speak to company representatives by phone. I took their offer at face value and was trying to do the right thing. I do n't believe their offer was a good faith offer or negotiation.
Product: Credit reporting

I am a victim of identity theft and the following accounts listed on my Equifax credit report are unauthorized and all fraudulent accounts that are not my 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, US Department of Education, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

I have tried to fix an issue with Wells Fargo about a stolen check. They have denied my claim and do not refund me my money when it was cashed by an on authorized person Wells Fargo did not protect my account, allowing this check to be forged and to be cash by a on authorized, Wells Fargo user itself. There is a specific line that says to notify within XXXX months after they have made the account statement available if I identify any on authorized or altered endorsement. My check was for my rent for the month of XX/XX/2022. I was not aware it was altered until my landlord requested a second payment because the first one was not received. I check my account and saw that the check was cashed, and I did not question the cash of the check because I knew that money would come out. I am asking for this to be fully investigated, and who cashed my check, and to get a refund on my money there is no way that I should be denied my own money back when it was on authorized to leave my account from the person who cashed it, I will attach the note that was sent to me and I will attach a picture of the forge check please investigate further into this matter. I can not trust a bank who does not protect my money and Im sure a lot of people who bank with Wells Fargo could agree that they should not happen. There is a six month. From when I realized any altered endorsement on my statement, and I notify them before the six months.
Product: Money transfer, virtual currency, or money service

Coinbase has been restricting my account for no reason. I have been trying to make transactions with a bank account that I've always used with my account for years and had no issues. I've had no issues with my account for years, I've made plenty of purchases with my XXXX account for years with no issues what so ever until now. 

I've had multiple transactions denied saying " suspicious activity '' for no reason. I've had multiple requests to verify my identity with photos of my license, for no reason. I've successfully went through and verified everything. I try to add another payment method for my account, and I get asked to verify ID again. 
Then I go to make a purchase and I can not. 

I reach out to support to ask what is going on these last two weeks. They said my account was restricted to not being able to use my debit cards, and refused to provide a reason. 

I have done absolutely nothing wrong or anything. This is completely unjustified and wrong, and should be illegal. Their refusal to help me is absolutely insane for a financial company.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

Background On [ XX/XX/XXXX ], the following information was removed from my credit report : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Deletion : [ XX/XX/XXXX ] Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : Written notification to the consumer within five business days of the reinsertion.

Certification from the information provider indicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA. 

Request for Immediate Action I kindly request that you : Immediately remove the reinserted information from my credit report.

Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

Take necessary measures to prevent future improper reinsertions.

Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly addressed. 

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In XX/XX/2020, I XXXX XXXX extended credit to Best Buy Citibank. For a year I have been deceived into making payments. Best Buy has been harassing me, calling me multiple times a day during unusual times. Best Buy did not receive any consent from me to contact me. In XX/XX/2020 after extending this line of credit, Best Buy never notified me that this was an attempt to collect a debt nor did they notify me of the right to validate or dispute this alleged debt. This is a violation of the Fair Debt Collections Practices act. Not only does Best Buy engage in unfair abusive debt collection practices, but they also furnish false and deceptive reports to XXXX XXXX and XXXX. I never gave them permission to report anything to my consumer reports and they did not inform me of my right to opt out. This is a transaction in which a finance charge is involved using my open ended credit plan, therefor Best Buy requesting payments by cash, check or mail is deceitful and a violation. I have attached and Affidavit of Truth, Debt Validation and a Cease and Desist letter to Best Buy. These documents contain over 10 violations with proof. Upon receipt of these documents, Best Buy has 30 days to respond. If a response is not received, this account and alleged debt should be closed and Best Buy is to cease any further attempts to collect.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have three different Capital One Credit Cards - I use them monthly and pay them off in full every month. I have been a client of their for years. On today 's day the abruptly cancelled all three cards. When I called their customer service line the representative said I may have violated a Capital One policy. I am a XXXX XXXX XXXX XXXX  and use my card only for purchases for food, gas, clothing and other basic products. When I asked what policy did I violate? They responded by saying they do know. This is strange beyond belief.