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

I am have asked Experian to provide physical documentation on what they have received from the collection agencies that physically showed proof that the debt belongs to me. Experian have intentionally, recklessly, neglectfully, and without due regard not investigate this debt and put the debt on my file to make a bigger profit from it customer. Experian have proven time and time that they do not care to follow the Fair Collection Credit Act and that they are a big business that does what they want to consumer. I have sent Experian Numerous of certified letters with return signature required that they should have on their record. Experian try to trick of buying time to get the consumer to send in documents and say that they can not verify the consumer account. The debt collection agencies did not provide me with a physical proof with a physical contract and other physical items that shows the debt belongs to me under the FDCPA. I have asked Experian to simply follow the law, but they do not care about the damage they have a cause to a XXXX veteran with limited resources. Especially, with the covid-19 going on. The debt in question is with the National Credit Adjust on my credit file. The other credit bureaus did a proper investigation and a legal investigation and found the debt to not belong to me. Experian refused to abide by federal and state laws. The debt does not belongs to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through  the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently
Product: Debt collection

I obtained a gym membership with world gym XX/XX/2015. Shortly thereafter I decided to discontinue the membership. In addition to notifying the gym in person I mailed them correspondence regarding my cancelation on 2 separate occasions. The first time with my initial request, and the second after they 'd debited my checking account despite my request for cancelation. I also corresponded with an agent via email regarding my request for cancelation. Months later I received a debt collection notice from Seas and Associates regarding a past due balance. Prior to my request to cancel my membership I paid my balance in full. The gym continued to bill me despite me satisfying my contractual obligation to cancel this account.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to find multiple inaccuracies on my report that are unfairly lowering my scores and preventing me from accessing important financial opportunities. These errors have already caused unnecessary stress, higher costs, and missed chances that I should have never had to endure. Its infuriating to be held back by information that is simply incorrect.
Product: Debt collection

I have a bill from XXXX XXXX XXXX date XX/XX/XXXX which I thought I had been exposed to XXXX. I had been on a payment arrangement but with my XXXX XXXX and the post office cutting back on our hours I had to cut back on some bills. I recently became XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  after being XXXX and have been paying on bills that are behind. I called XXXX XXXX and learned that they sent my account to collections. I've had about 6 interactions with Credit Control, the first I disputed the account because I didn't receive a bill to dispute, the second I had for a settlement and asked the account to be returned to the original credit which they denied and I called again to see if they would accept a credit card payment and they agreed. I called today for XX/XX/XXXX they hung up and I had to call back then, I reached a XXXX XXXX. I gave my name and I stated I was calling to make a partial payment. She asked me for my phone number, I gave it, she asked for an account number I provided the XXXX XXXX Account Number and then I gave her the Credit Control number and then she gave me the balance. I told her I wanted to pay 1/2 and she immediately told me I could not pay a partial payment towards a settlement and that was their policy. I told her that is not so and as long as I pay the full settlement before the date I could and if I did not it would be void. I asked for a Supervisor, she continued to speak I again explained to her that her and I were not getting along and to please place a supervisor on the line. She didn't attempt to place me on hold or anything she just nonchalantly stated someone would call me back, I asked for her name she stated XXXX XXXX I confirmed if she was the only XXXX XXXX in the office she said yes and that XXXX XXXX or a XXXX XXXX would contact me. I then called XXXX XXXX and they accepted my partial payment, I spoke to a XXXX XXXX who gladly accepted my payment confirmation number XXXX Credit Credit if you work on contingency you will not be receiving credit for this payment or the next one because I will pay them instead of your office.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRES FROM MY PROFILE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent in a letter regarding inaccurate and unverified items on XXXX credit report and to this day I have yet to receive a response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. Section XXXX ( a ), it plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove the items from XXXX credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands.
Product: Credit card or prepaid card

I made a purchase at XXXX on XX/XX/2020 for {$66.00} under the AmEx offer POID : XXXX, which endorsed a {$30.00} credit to my account with a purchase over {$50.00}. The terms and conditions stipulated the following restrictions : 1 ) voucher purchases ; 2 ) taxes and shipping costs ; 3 ) promotional offers through www.marthastewartwine.com/promos/ and www.marthastewartwine.com/vouchers ; 4 ) Refer A Friend promo codes at Checkout. My subtotal for four sale items during the site-wide Prime Week fall special was {$51.00} prior to shipping costs of {$14.00}. I did not purchase a voucher, nor use a promo or voucher obtained at the restricted sitesone of which is a dead linkand I did not use a referral code. 
Having fulfilled the terms of this offer, I have been dismayed that AmEx has reneged on its obligation to uphold this compact. I have contacted customer service on a half-dozen occasions from XXXX to XXXX by online chat and phone to no avail. Each time I have been offered trite contrition and empty promises of an inquiry with ever enduring procrastination ( " 5 to 10 business days '' ). On XX/XX/XXXX, I was told that this matter would be escalated yet again with a response within " 5 to 10 business days. '' No representative has ever reached out to me. I made a final attempt on XX/XX/XXXX and was informed that the back office has finally closed the case with a determination of a " non-AmEx error. '' The representative offered no further explanation, simply repeating this meaningless phrase, and demonstrated grave ignorance of and apathy toward the case. 
As a matter of professionalism and customer relations, this episode hasneedless to sayeroded the fundamental values I have held paramount in my banking relationship with AmEx. I am most disappointed that you have failed to maintain transparent communication throughout, with only reactivenot proactivemaneuvering at my insistence. This fruitless endeavor has only served to convince me of the duplicitous nature of AmEx 's business model and perpetuates a narrative of impersonal and deceitful behavior that I had not expected from this company.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are 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 these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX  Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account Amount XXXX Account NameXXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX Date XXXX Account XXXX Reason for disputeXXXX XXXXXXXX Account Amount XXXX Account Name_XXXX Date open_XXXX Account XXXX Reason for dispute__XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

These seven companies put inquiries on my credit report without my authorization or acknowledgment I want these inquiries off of my credit report.
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. 
# 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 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
Product: Credit reporting or other personal consumer reports

MY INFORMTATION WAS BREACHED AND SHARED FRAUDULENTLY
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 XXXXXXXX, Account name : XXXX XXXX  Account name : XXXX XXXX XXXXcount name : 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

When doing services online with Bank of America credit card they do not allow the credit card holder to remove outside account such as another bank account for payment purposes. I have XXXX balance on my card and I wished to remove my bank account and I could not from my application or even just going on line to the account. So I removed digital service. That should be illegal for them to hold an outside account held hostage, I should have the ability to remove it and I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, five fraudulent and unauthorized charges were placed on two of my Chase credit cards. I immediately responded via text and email that the charges were unauthorized, as well as reporting the unauthorized activity via phone call and secure message. The bank removed the charges from my account but have now inexplicably placed them there again. They accuse me of having made the charges, which is physically impossible, as I was in another city at the time, as evidenced by charges placed on two other Chase credit cards!
Product: Checking or savings account

On XX/XX/year> at approximately XXXX, I attempted to make a {$300.00} withdraw from my checking account using the ATM. This Bank of America ( BOA ) location is one the I frequently use due to it being closest to my residence. I inserted my debit card and the ATM produced a prompt on the monitor with this message. " Your transaction can not be completed. The machine has malfunctioned and your card will not be returned ''. I was furious because the machine kept my card and I was leaving for South Carolina to make a purchase from a private individual. I was forced to use a credit card cash advance option after I arrived at my destination. I returned to my local area and went directly to a BOA to discuss my issue of losing my debit card. Teller informed me I should call customer service. Customer service rep stated it would be possibly a week before receiving my replacement card.I refused to wait a week for a card since the bank owned ATM caused the problem. The rep advised she could expedite the delivery of my card for a {$15.00} fee. What a scam!!! The banks and their frivolous fees which penalize their customers for their inadequate service. The bank did have my card delivered the next day but that isn't the issue. Forcing the customers to pay any fees when the root of the problem was their faulty equipment. BOA did deduct the {$15.00} fee from my account. If this isn't overturned, I will close my account with BOA!!!!!
Product: Checking or savings account

On XX/XX/year> I XXXX XXXX decided based on the treatment at XXXXXXXX XXXX location to close my account, I was lied to by the Branch Manager that I needed ( 3 ) ID 's and going back and forth for about hour, I reached out to Customer Relations who made them on that day once I sat out in my car and informed them I was sitting in my car and was told and laughed at that I did not have the proper ID. I was told to go back in that Branch and Customer Relations directive that same Manager to respect my request and to apologize for lying to me. I was given a Cashier 's Check of {$8100.00} on XXXX XXXX. Fast forward I went into a different branch located in XXXXXXXX XXXX  and presented my old ATM Card which was linked to this Savings Acct. along with my Driver 's License and XXXX started making a near ( 2 ) hours of calls, first to XXXX XXXX out of California who lied to him and was rude and dismissed and refused to speak with me... XXXX went twice to coworkers in the bank while I XXXX XXXX sat idle awaiting upon him returning the second time a email came affirming what I had been trying to tell him and the Assistant Manager XXXX XXXX. At that point they received Official Item Account Number : XXXX Check Number : XXXX Check amount : {$8100.00} Per my XXXX XXXX request for copies of what I was asked to sign was a Declaration of Loss and Indemnity XXXX Stop Payment ( XXXX ) Which a Barcode ID : XXXX was produced. I have called to ( XXXX ) XXXX and spoken to XXXX twice and gone back in person once and now today Friday XX/XX/year> as of XXXXXXXX XXXX  I have NOT received any call since XXXX on XX/XX/year>. XXXX informed of a TWO HOURS turn around NOW has gone into THREE DAYS. Bank of America are not sensitive to culture differences and needs to XXXX female Consumers. Their Bias Unfair Bank Practices once AGAIN are CLEARLY DISHEARTEN and Office of Attorney General needs to have a private independent investigation of how Bank Of America does Business to XXXX XXXX and denying and Delaying XXXX Consumer Access to their Finance without Bias.
Product: Money transfer, virtual currency, or money service

I bough tickets on XXXX XXXX for XXXX XXXX XXXX XX/XX/XXXX. Suppose to be verified seller, I than sent money through Zelle for tickets and the person disappeared
Product: Credit reporting or other personal consumer reports

My student loans were in federal XXXX forbearance, meaning no payments were required during that time. Despite this, late payments were reported incorrectly across multiple credit bureaus, damaging my credit score.

Additionally, my credit reports contain contradictory payment history : Some months show on-time payments, but the records also state " {$0.00} received '', proving no payment was actually made. 

This creates inconsistent and inaccurate reporting that negatively impacts my credit profile. 


I also suspect illegal reaging of my student loan account : The expected drop-off date was changed, extending the time this account will appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), this practice is illegal if done to make a delinquent account remain longer. 


Further issues include : Incorrect balances reported across different bureaus.

Scheduled payments & past-due amounts do not match reality.

TransUnions website prevents me from submitting disputes due to technical issues.

Experian timed out while uploading supporting documents, and now I can not attach proof to my dispute.

Equifax denied me access to a free credit report, even though I am disputing inaccurate information, which is a right under FCRA. 


I have contacted my loan servicer and the credit bureaus to dispute these errors, but they have not been corrected. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these issues and ensure my reports reflect accurate information. 

Requested Resolution : Remove all incorrect late payments that occurred during XXXX forbearance. 

Correct payment history to reflect no payments were due during that period. 

Ensure accurate balance and payment reporting across all bureaus. 

Investigate suspected illegal reaging of my account and correct the drop-off date. 

Ensure I can access my free credit report to monitor and verify corrections. 


Thank you for your time and assistance in correcting these errors. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. The following credit reporting agencies are violating my consumer reporting rights and it is damaging my reputation. I have attached several documents for your review. Please remove these documents immediately.