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

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX DPT ED/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX DPT ED/XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX  DPT ED/XXXX
Product: Credit reporting

XXXX XXXX account was closed on XXXX/XXXX/XXXX. I was never late. The account was transferred on XXXX/XXXX/XXXX to a unknown company, and is now reporting fause delinquency on XX/XX/XXXX. This is illegal. Im very tired of tying to fix my credit report. I want this account deleted from my credit report completely. It is showing on my Equifax report. XXXX does not own this account. its a junk debt company trying to reage my account to illegal collect on this account.
Product: Credit reporting or other personal consumer reports

I requested for innovis and XXXX  to review my file never got an answer from both this was last XXXX called and said investigating but never got notification nothing suddenly my file got locked out and will not give me acess to it anymore send docs as the supervisor requested to both and nada I am fed up and need assitance
Product: Credit card or prepaid card

Elan/VISA/USBANK continues to accept bills from XXXX XXXX XXXX even after refunding several previous identical monthly charges ( of {$48.00} ). They claim they are unable to simply block further transactions from XXXX and that I must instead cancel or change my cc number which places on me the unfair burden of having to contact the many other vendors with whom I have monthly automatic payments. 

Ref : letter from XXXX XXXX XXXX XXXX XXXX, ND XXXX dated XX/XX/2021 with CaseID XXXX. Footnote : The creditor, issuer and service provider of your credit card is Elan Financial Services.
Product: Credit reporting or other personal consumer reports

XXXX keeps reporting the account as 60 days past due. The account has had a zero balance for 45 days or more now. They were suppose to correct the problem. Account is still not reporting correctly. 

XXXX has me at 30 days. this is in dispute too. But atleast it doesn't have me at 60 days and is showing a zero balance.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I check my credit report and saw these XXXX accounts being reported as late payments even if I always pay on time. I wanted these accounts to be investigated and delete the XXXX payment notice since I was not late and this is a violation of my rights. Below are the accounts appearing : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My fianc, who lives with me and has XXXX kids with me, transferred {$500.00} to my account on XX/XX/2023, and Chime " flagged '' that as suspicious and suspended my account. They demanded i provide pictures of my ID, social security card, and proof of income over the last 3 month period, as well as proof that my fiance owned her account, and that she intended to send it to me. After XXXX weeks of emails ( no phone number is available for the " XXXX '' team, nor would any of them contact me to figure out what more they could want from me ), i provided every document they requested, and instead of restoring my account, they closed it entirely on XX/XX/2023, and claimed my funds ( {$1200.00} ) was not eligible for a refund because I did not provide enough " proof of ownership ''. I provided everything they asked for, called support regularly to check the investigation status, and tried to figure out if i could send any more documents to help make the process easier, and still they illegally took my money saying i violated Chime policies, but never stated what policy. I have countless emails i can provide for review, and call logs to show how persistent i was.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has several inquiries linked to a single loan from XX/XX/22. XXXX XXXX XXXX pulled my report without my consent.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act account XXXX, has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY.

15U.S.C 1681 SECTION 604 A SECTION 2, IT ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH An ACOUNT WITHOUT MY WRITEM INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted complaint number XXXX. I stated that in accordance with federal law Transactions and Experience are to be excluded from the consumer report in accordance with Federal Law 15 USC 1681a ( 2 ). I NEVER mentioned anything being reported as " inaccurately '' only what the law says should be EXCLUDED. In addition, the terms and condition mentions that they may report to the credit reporting agencies my experience with them BUT DOES NOT clearly states that I should be given the option to have my personal nonpublic information NOT SHARED with any nonaffiliated third party. This is a VIOLATION of 15 USC 6802 and furthermore their terms and conditions DO NOT give an explanation as to how I may exercise my nondisclosure right. Barclays also mentioned that the account is being reported as " charged off settled ''. in accordance with IRS publication 4681, charge off are considered to be " canceled debt '' which are to be included as " INCOME ''. Income can not be reported on the consumer report as it is a violation of privacy AND discloses specific nonpublic account information. This violates both the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. These are not my laws nor my rules but those established by congress. Ignoring them is places you CIVILLY LIABLE and is considered willful negligence and noncompliance for which congress says the consumer is to be compensated {$1000.00} for each violation in addition to ANY ACTUAL DAMAGES sustained by the consumer ( which are significant ).
Product: Checking or savings account

This complaint is made on behalf of my neighbor,    XXXX   XXXX   XXXX    who is in her  XXXX  's sick in   XXXX   went on vacation last year.  XXXX  is currently and has been for the past months in a hospital. She has asked me to ask her bank  ( Chase Bank ) to print her checks ( she ran out of checks in    XXXX  and can not pay her bills ) and just mail these checks to the secure address currently on file with the bank. THE BANK REFUSES SAYING SHE NEEDS TO CALL ... SHE HAS DONE THIS ON SEVERAL OCCASIONS WHERE SHE WAS PUT ON HOLD, AND ON HOLD, DEALING WITH  ONE  PERSON AFTER ANOTHER .... ALL  XXXX  WANTS IS HAVE THE BANK MAIL HER CHECKBOOK SO SHE CAN PAY HER BILL.
Product: Checking or savings account

Sometime near the end of XXXX, I received a piece of direct mail ( see attachment ) that came jointly from State Farm ( the insurance company I use ) and US Bank ( a bank I had never heard of or used before. ) The mailer stated the following : " Earn {$500.00} Deposit Account Bonus with a new U.S. Bank Business Checking account. 
Follow these three steps to qualify : 1. Open a new U.S. Bank Silver, Gold, or Platinum Business Checking Package using promo code XXXX. 
2. Deposit {$5000.00} in new money within 30 days of account opening and maintain it for 60 days. 
3. Make 5 qualifying transactions and enroll in U.S. Bank online banking or the U.S. Bank Mobil App within 60 days of account opening. '' After opening the account, I experienced extreme difficulty funding the account with the {$5000.00} amount due to errors beyond my control at the bank. By the time I was able to get the correct amount into the account, the 60 days had passed. After many phone conversations, including with a call center manager who confirmed it would never happen, I finally gave up on ever receiving the {$500.00} bonus that was promised. A week or so later, I received a phone call out of the blue from someone at US Bank who had reviewed the recordings of the phone conversations and the records of my account. She apologized profusely about the problems and promised that I would indeed be eligible to receive the {$500.00} bonus. 

After transferring {$5200.00} on XX/XX/XXXX, I proceeded to make qualifying transactions and enroll in both online banking and the mobile app. I noticed on XX/XX/XXXX or XX/XX/XXXX that my account balance had dipped slightly below the {$5000.00} mark -- the lowest it got was {$4800.00}. I immediately deposited an additional {$250.00}, which put the balance back to {$5100.00} on XX/XX/XXXX. I also called US Bank and was assured by the first person I spoke to that US Bank " would use an average daily balance '' to determine the {$5000.00} balance for the promotion. 

Last week I checked the balance to see if the {$500.00} had indeed been deposited. It had not. So, I called again - likely the XXXX time total for calling or receiving calls about this issue -- a HUGE investment of my precious time. I was told that they would look into the issue and get back to me about a resolution. A few days later I did get a phone call back stating that I would NOT receive the {$500.00} bonus because the account had dipped below the {$5000.00} mark for a few days. 

This is the reason I do business with small, local banks who resolve problems the first time and stick with their word.
Product: Credit reporting or other personal consumer reports

I am reaching out and filing this complaint to EQUIFAX to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 
Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. As a consumer, I place a high level of trust in EQUIFAX to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.
Product: Credit card

On XX/XX/XXXX, I logged into my Amex account and was offered a Hilton card. If I spent XXXX XXXXXXXX within the first XXXX XXXX, I would get XXXX miles. The offered expired on XX/XX/XXXX. On XX/XX/XXXX, I applied for the card and was approved. I have been using the card and I called and chatted with customer service on XX/XX/XXXX and asked when I would receive my points. I was told I would NOT receive them and the supervisor did not know why. He told me it would take a few weeks for an investigation to be done. I received a phone call from someone on XX/XX/XXXX stating I would not get the points because I clicked through it during the application. I do NOT remember doing that and would have NEVER applied for the card. NO ONE at that company could tell me why I was NOT eligible. This is false advertising and when I log into my account, I'm offered different card. I want my miles or I will never use either credit card again. STOP sending targeted offers if im ''not eligible ''
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. 

XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ALL THESE ACCOUNT HAVE VIOLATED MY RIGHTS 5 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. 16815-2 ( 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: Payday loan, title loan, or personal loan

On XX/XX/2019, there was a loan supposedly taken out under my name and social security number with XXXX XXXX XXXX. However, I never took a loan out with them. When I contacted them to see what was going on the representative on the phone asked me, " ... if I had been shopping around online for payday loans, because sometimes people go online to look at their loans and inadvertently take out a loan. '' I don't see how having a system where you can accidentally take out an extremely expensive loan is even legal. I don't recall applying with them and I certainly never signed any documents. Thankfully I caught it before too much damage was inflicted. This seems like it's a scam.
Product: Debt collection

The first week of XXXX, we got a collection notice from Aldous and Associates, for {$220.00}. We did not know what this was for, it said an agreement with XXXX  XXXX XXXX. The only company we know of named " XXXX  '' is XXXX XXXX, which we had a month to month agreement with, which was paid for by a debit card. In contacting Aldous and Associates today, XX/XX/2018, they said it was XXXX  XXXX, and that we owed this money, even though it was month-to-month because we had not actively canceled the membership, and that if we did not pay by the end of the month they would report this to the credit agencies, which would hurt our score. My wife paid this bill even though it should not be owed.
Product: Checking or savings account

I Am Having a Problem with a Fraud Checking Account That Was Open With Capital One 360 there was a Checking Account that Was Open without My Permission and is Still Showing on My Capital One User Name And Has Not Been Removed i Contacted Capital One 360 Customer Service And They Told Me The Account Was Already Closed But is Still not Closed on my My Online ID And Has Not Been Deleted From My Capital One Profile.
Product: Credit reporting or other personal consumer reports

XXXX continues to report this alleged bankruptcy with no validation. I called the clerk of court, and they stated that the court DO NOT release bankruptcy information to anyone that is not a party to the filing or the attorney, this means that it is impossible for XXXX to validate this alleged bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my credit report and to demand immediate corrective action due to the exposure of my personal information as a result of the XXXX data breach, which occurred in 2017. As you are aware, XXXX reported that sensitive personal data, including Social Security numbers, birthdates, addresses, and more, was compromised during this breach. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any credit reporting agency block any information on my credit report that has been the result of identity theft, including fraud that may have occurred due to this breach. The FCRA mandates that this information be promptly blocked from my credit report, and I demand that all affected accounts, fraudulent or otherwise, be immediately removed. To clarify my position : The data breach has exposed my personal information to unauthorized individuals, making it possible for fraudulent accounts and activities to appear on my credit report. Section 605B of the FCRA specifically gives me the right to request the removal of any information that is a result of identity theft, including any fraudulent accounts or inquiries. The law is clear : if the information in question is a result of the XXXX breach, it must be blocked and removed from my report without delay. I expect immediate action to ensure that my credit report is thoroughly reviewed, and all fraudulent entries related to this breach are removed and blocked per the FCRA guidelines. I trust you understand the gravity of this situation and the significant risk it poses to my financial well-being. Your prompt compliance with my request is not only a matter of protecting my rights but also fulfilling your obligations under federal law. Please provide me with written confirmation that all relevant fraudulent information has been blocked and removed from my credit report, along with a detailed explanation of the steps you have taken to resolve this issue. Failure to promptly and adequately address this matter will leave me with no choice but to seek legal remedies, including the Federal Trade Commission ( FTC ), and pursuing any other available legal action under the Fair Credit Reporting Act. Thank you for your immediate attention to this urgent matter.