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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ XXXX XXXX. XXXX ] ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS PA XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 16811 - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card or prepaid card

Opening credit in my name using my social number and email and phone number
Product: Checking or savings account

When I went to close my accounts to pay for a downpayment on a house in late XXXX, Truist promised me in person at the branch with two employee witnesses that I didn't need to close the accounts and that they would instead convert me to fee-free no-minimum balance accounts. I was distrusting and they promised me repeatedly they would do this. Instead they charged me a fee and haven't removed it or promised to stop charging me with it. I called Truist customer support as soon as I could ( XX/XX/XXXX ), and they said they would resolve the issue. Just in case, I called the branch two weeks ago ( XX/XX/XXXX ), had to leave a message, and they never called me back. On a third call on XXXX XX/XX/XXXX, Truist customer service acknowledged that my account includes a note that I should not be charged any maintenance fees. They acknowledged that they failed to convert that money market account into something fee free. They also told me they have literally no product without maintenance fees ( without a minimum balance requirement ). Yet, there has been no remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccuracies on my credit report, which I have already sent certified letters to XXXX and Experian regarding the same issue. The certified letter sent to XXXX has a tracking number of XXXX, and I can provide further proof of delivery upon request. Attached to this letter is a copy of my credit report, which highlights the inaccuracies that I have disputed. 

I have diligently reviewed my credit report and have identified several errors that are negatively impacting my credit score. Specifically, [ Account XXXX XXXX XXXX Account Holder XXXX - XXXX ] Account XXXX XXXX XXXX - - Account Holder XXXX Account - - XXXX XXXX  Account Holder - - XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Holder XXXX - XXXX Current Addresses : 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 Employer XXXX XXXX XXXX XXXX XXXX XXXX  I have already submitted disputes to XXXX and Experian to correct these errors, but they have failed to address my concerns. 

I am concerned that these inaccuracies on my credit report will not only affect my credit score but also my ability to secure credit, loans, and other financial products in the future. I am requesting your assistance in resolving this matter and ensuring that my credit report accurately reflects my creditworthiness. 

In addition to the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information to consumers and to investigate and correct any errors, I believe that the following laws also apply to my case : Fair Debt Collection Practices Act ( FDCPA ) : This law regulates the practices of debt collectors and prohibits them from engaging in unfair, deceptive, or abusive practices when attempting to collect debts. 

Fair Credit Billing Act ( FCBA ) : This law requires credit card issuers to provide consumers with accurate billing statements and to investigate and correct any errors.

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions based on factors such as race, gender, religion, national origin, age, or marital status. 

I am hopeful that with your assistance, we can resolve this matter in a timely and satisfactory manner. 

Thank you for your time and consideration. 

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

The following inquires are on Equifax and XXXX XXXX and I did not authorize. I have called the companies and have been redirected to the credit reporting agencies to remove inquires from credit or directed to CFPB to file a complaint. I also contacted Equifax and XXXX and was directed to file a complaint with CFPB. Below are the Inquires with the credit reporting agency. 

Equifax Credit Bureau XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX- XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/20XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I spoke to a rep from XXXX XXXX  named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX Bank account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX  to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.
Product: Credit reporting or other personal consumer reports

Disputes Report # XXXX Dispute Report Date : XX/XX/XXXX ( 5 Disputes ) **********XXXX XXXX XXXX Account XXXX I closed this account in XXXX. I requested that is be removed from my credit report in XXXX, and received a respond that It was removed ( SCREENSHOT ATTACHED ). I did not know it was still on my credit report until XX/XX/XXXX AND listed as Potentially Negative. When I once again requested that this account be removed, I received a response that this was processed yet it still remains. What is worse is Experian then added. Account charged off. {$6.00} past due as of XX/XX/XXXX Which as not there before, and again, this is after they said it was deleted in XXXX. I do not believe this dispute was investigated accurately. 

XXXX Account # XXXX This account was opened in XXXX, and I paid this account off in XXXX. It was never late and paid/closed, as reported on my credit report. I requested that this account be removed from account, yet it was left. I do not believe this dispute was investigated accurately. 

**********XXXX  ( 3 accounts ) Account # XXXX I settled 3 XXXX student loans. There was an error in XXXX which was logged as no data. These accounts have been active since XXXX, and should always have had data. I requested that these paid accounts be removed from my credit report, even if a goodwill deletion, and Experian left all three accounts. I do not believe these disputes were investigated accurately. 
Loan 1 : Original amount {$4600.00} - Paid off with {$6900.00} Loan 2 : Original amount {$6800.00} - Paid off with {$11000.00} Loan 2 : Original amount {$17000.00} - Paid off with {$30000.00} **********The XXXX XXXX XXXX XXXX Account # XXXX I opened this account in XXXX. It was fully paid and never late. I requested a goodwill deletion from Experian and they simply left it. I do not believe this dispute was investigated accurately. 

**********XXXX  Account # XXXX My car was never repossessed, yet I saw this on my Experian credit report a few months ago. Account opened in XXXX, and I paid it off. I called XXXX, and they no longer have my account in their files. I requested that this account be removed from my credit report, yet it remained. I do not believe this dispute was investigated accurately. 

[ I have attached my credit report ].
Product: Prepaid card

I kept calling the number that they told me to call for issues, and they didn't address my issues and didn't answer why my card kept declining on a XXXX-dollar purchase when I have XXXX bucks in my giftcard. Amex was being very annoying.
Product: Checking or savings account

I opened an account with Chime. My wallet was stolen and returned to me months later. 

I tried to access my chime account to make sure everything was OK and they have shut it down due to " account not being in compliance ''. 

I don't understand how they can shut my account down without my permission and I can't access it online.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 my 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 XX/XX/2022 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  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, credit repair services, or other personal consumer reports

Equifax dispute confirmation number XXXX was filed on XXXX/XXXX/XXXX. To date I have still not received any response from Equifax concerning my dispute beyond the initial dipsute confirmation email on XXXX/XXXX/XXXX which stated I would receive updates and a result, clear violation of the FCRA. I checked their online system numerous times and the status was always in process. This " in process '' status was still showing well beyond 30 days, clear violation of the FCRA. I have attempted to contact the company via phone 3 different occasions. The first 2 occassions I was waiting to speak to someone for over 30 minutes on wait and then my call was abruptly disconnected by Equifax. The third attempt I did finally reach someone and when I questioned why I had not received a response in writing I was hung up on. The clear disregard for the FCRA must stop immediately. Now when I attempt to check the status of the dispute online, it does n't show up and is as if I never filed it. I have the confirmation number and email from Equifax proving it was filed. The CFPB must do something to stop the blantant flaunting of the law by a supposed credit bureau which obviously has numerous legal troubles.
Product: Credit card or prepaid card

Barclaycardus deserves a complaint for their detrimental practices. Detrimental to the credit scores of their customers. 

I as well as others have had a problem having credit giveth and the a'taketh. I was given a limit of {$20000.00}, shortly after I spent approximately {$6700.00} i received a letter stating my limit was being reduced. To just above what I had spent. This looks like I spent almost 100 % shortly after I received the card and increased my percentage the of credit usage, decreasing my credit score. 

Why would a company give credit then once it is partially used ( 33 % ) recind the majority of that limit. 

The best part, after I had paid off half, and some other debt in less than a year, I asked to have my limit reinstated, which would require a hard pull ( as they stated on the phone ). So after the initial decrease in my credit score I would have to have another harm to my score to have it fixed. 

So, don't get a card from barclaycardus.
Product: Debt collection

Received a letter dated XX/XX/XXXX stating XXXX XXXX XXXX XXXX had been hired by XXXX XXXX XXXX XXXX to collect a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount of {$440.00}. 

A contact representative name of XXXX XXXX and phone number of XXXX was provided. 
Email : XXXX www.jritterlaw.com A file number was provided. 

The debt collection itemized letter attached claimed I had an account with XXXX AR XXXX University XXXX XXXX XXXX- with an account number attached dated XX/XX/XXXX. 

I have never been a student at above named university, or been a customer of above named bookstore, or acquired any such debt with the names entity. This is a fraudulent account.
Product: Mortgage

We filed a Chapter XXXX bankruptcy that was discharged XXXX 2012 which did not include our home mortgage through Wells Fargo. This was included on the petition filed with the courts, however Wells Fargo did not respond to the request to reaffirm the loan. We continued to live in the house and make on time payments and even refinanced the home through Wells Fargo to take advantage of the HAMP program. However, Wells Fargo continues to report that the loan was included in our bankruptcy and show no payment records to all XXXX credit reporting agencies. We have contested this information several times only to be told the investigations were closed and that the information was reported correctly. I would like this corrected as this has been and continue to affect our credit file and is impacting our ability to gain a new mortgage.
Product: Checking or savings account

Although banks may close consumer accounts for any reason without notice, I believe and thus XXXX Bank of America 's review of my consumer account indicated in the letter dated XX/XX/year> is discrimination based on race and national origin and contrary to public policy. 

Contrary to its assertion in the letter, Bank of America did not reverse and revert to the sender a deposit in the amount of {$8800.00} on or about XX/XX/year>. See paragraph XXXX page XXXX It did not base its decision on objective criteria related to risk ; rather, the bank decided to manage risks in its banking operations based on discriminatory policies and discriminatory practices by failing to return all money due to me when the account was closed. 

Bank of America was a aware that I am a XXXX consumer when I opened my account and also knew or had reason to know based on its own internal monitoring and reporting that its policies of giving unguided discretion to its consumer banking operations, specifically in XXXX XXXX  products, was resulting in discrimination. See XXXX XXXX XXXX For example, Bank of America knew that its policies and practices encouraged the improper placement of non-White consumers into their XXXX XXXX  Checking products and that its internal system designed to ensure proper placement of these consumers was ineffective and subject to easy manipulation. 

Bank of America 's internal documents will also show that senior officials were aware of the numerous tactics employed to close XXXX consumer 's XXXX XXXX  checking accounts and that a significant percentage of non-White consumers were closed based on risk compared to its XXXX XXXX  in similarly situated banking products. In other words Bank of America returns all money due to XXXX customers more often than to XXXX XXXX  when accounts are closed. Thus, Bank of America did not act to adequately compensate consumers who were victims of discrimination nor did it take effective action to change its policies or practices to eliminate discrimination. 

Therefore this is not a dispute that involves provisions of my contract with the bank ; it is a bona fide complaint to hold Bank of America accountable for its violation of consumer banking laws when it failed to return {$8600.00} on XX/XX/year> and to remedy the substantial and widespread harmful consequences of Bank of America 's discriminatory banking policies and practices in its XXXX XXXX division.
Product: Debt collection

The party has not validated nor verified as they state which is legally required by the FCRA as well as TILA and over due according to the rules and regulations of the FCRA .I continue to have to file complaints due to the the corporations inability to legally comply and will continue to do so until I am provided fully compliant responses as stated and cited within their control and or possession.A mere statement that they say they have complied is not a compliance.This corporation even stated my date of birth incorrectly.This corporation has a long history of manipulation and exploitation with other consumers. I know of nothing that supports this corporations allegations that I owe them anything.This is not my account and they know this and is why theyve not been able to provide any sort of compliant verification validation as is required and has been demanded of them by way of certified letters and calls thereafter only to not comply and harass via telephone.This corporation needs to be held accountable for their actions and investigated for their continuing fraud.They have also failed to provide anything that has my signature or contract because it does not exist. They have also failed to provide anything that has been submitted under penalty of perjury under oath.Ergo I contend and will continue on contending I know of nothing that supports their allegations based on what has and had not been provided.This corporation is guilty of negligence and maliciously willfully and purposely attempting fraud and RICO conspiracy for an unverified invalidated account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX INT Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Patient First Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Prepaid card

I bought a {$300.00} US Bank prepaid gift card as a wedding gift for a family friend. To our chagrin, they reported to us that when they tried to use it, most of the funds had been used, and the card was frozen. 

After calling US Bank, they decided to investigate the case, and was told to wait. I made several phone calls in the future, and was just told that the case was still being investigated. Eventually, we were asked to fax in necessary materials, including the credit card, the sales receipt, and my information. I was told that the fax would go directly to a supervisor and we would hear back within the next business day, but I never heard back again.