23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

During end of XX/XX/XXXX my acct was closed because they have not received XXXX XXXX form which I didn't know about because I moved to another state. So I did at the branch on XXXX XXXX XXXX in XXXX on XX/XX/XXXX I met with XXXX to sign everything and he confirmed it was uploaded into the XXXX I called customer service that same day to know when I should have my acct open again and she said it had to be reviewed and should take up to 5-7 business days. I kept checking my acct online and it was still closed. I called XX/XX/XXXX to follow up and they told me to give it more time and check back, I then called on XX/XX/XXXX one of the supervisors who was looking at my acct just disconnected the line and no call back! It has been so frustrating! And yet when I called back AGAIN still they said they haven't heard back yet so I need to check back later. Finally I setup to meet with XXXX at the same branch to see what's going on and he assured me it was uploaded and he filed a formal complaint for me because he knew I was very upset with their customer service not getting anywhere. The escalation agent reaches out to me her name is XXXX  and this was on XX/XX/XXXX and I told her I want a refund of {$99.00} annual fee because I didn't even get to fulfill my term or still have the option to reopen my acct and still be able to receive the sign up bonus. She gets back to me few days later and told me they don't see my signed form in the XXXX  and that I have to reach out to compliance on what to do the next. Now XX/XX/XXXX I call compliance and they told me to just apply again for a new account and to call customer service for the refund for the annual fee. I call customer service to help reverse the fee and she said they could not. I ask to speak with a XXXX  and it's a 40 min wait! Why does this have to drag over a month and still I'm not getting anywhere! The customer service I've been receiving is horrible! Such a frustrating experience I've ever dealt with and I've been with chase for over 9 years! Not only that when they closed my account it affected me credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an installment equipment loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Product: Debt collection

ATTN : To whom this may concern Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME Southwest Credit Systems ACCOUNT NUMBER XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this complaint ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is submitted personally, not through a third party, and I request your careful review. I never authorized these actions, and their presence on my credit report violates my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting stems from a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I request immediate investigation and correction of these inaccuracies. Your prompt attention to this matter is required and appreciated.
Product: Debt collection

LAW OFFICES MBA Balance {$1200.00} Open XXXX, XXXX. 
Balance updated XXXX XXXX, XXXX. ( XXXX ) LAW OFFICES MBAAccount info Account number Balance {$1200.00} XXXX Date opened XX/XX/XXXX ( XXXX XXXX ) XXXX account XXXX XXXX, XXXX. 

LAW OFFICES MBA Balance {$1200.00} Open XXXX XXXX Balance updated XXXX XXXX, XXXX. ( XXXX ) LAW OFFICES MBAXXXX Date opened {$2900.00} XX/XX/XXXX Account type Open account. 
Status updated XX/XX/XXXX ( XXXX XXXX ) LAW OFFICES MBA Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX This collection appears to me with different dates, it shows me different balances and they do not tell me what the collection refers to. I have NO relationship or document with the company that is charging me. 

This collection appears to me with different dates, it shows me different balances and they do not tell me what the collection refers to. I have NO relationship or document with the company that is charging me. I called the LAW OFFICES MBA offices, and there is nothing regarding those collections. They did not give me exact information, I need help to eliminate that from my reports.
Product: Debt or credit management

I am writing to formally lodge a complaint against True Accord, a debt collection agency, regarding a series of payments I made to settle my balance owed to XXXX. Despite making all required payments and clearing my balance in XX/XX/2024, XXXX has informed me that they have not received the final payment of {$130.00}. 

I have attached receipts for all three payments I made to True Accord as evidence of my compliance with the agreed-upon payment plan. These receipts clearly demonstrate that I fulfilled my financial obligation to settle the debt. However, XXXX continues to report that they have not received the final payment from True Accord. 

When I contacted True Accord to address this discrepancy, I was told that they would investigate the matter and call me back. Unfortunately, I have not received any follow-up communication or clarification from their team, despite reaching out several times. It is now XXXX, and the situation remains unresolved. 

This delay and lack of transparency have caused me significant frustration and concern. I am left questioning whether True Accord has misappropriated my funds or is neglecting their obligation to forward the payment to XXXX. 

I kindly request your assistance in investigating this matter. Specifically, I am seeking : 1. Confirmation of whether True Accord has transferred my final payment of {$130.00} to XXXX. 
2. An explanation for the delay in resolving this issue. 
3. Assurance that my payments are being handled properly and that any discrepancies will be rectified promptly. 

I appreciate your time and attention to this matter. Please feel free to contact me at XXXX or XXXX if you require additional information or documentation. My account number with XXXX is ( XXXX ) Thank you for your support in ensuring a fair resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit file and noticed this debt reporting on my credit file. I immediately called and settled this debt with them. I never received any letters, statements or calls regarding this debt. This violates my 30 day right to dispute under the FCRA and it is a violation. This must be removed from my credit. 
I am also aware that while this account is under review, you can not report this on my credit file. If any negative information continues to report to any of the three major credit bureaus this could constitute fraud under state and federal laws. Please remove this account from my credit file immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I have applied for a personal loan and I filled the application online but they sent me a form to fill, this form is for income verification and I had filled the form twice but the representative instruct me to fill the application and I sent the application and they denied my loan because they couldn't verify some information on my application, after citi bank made a hard inquiries on my credit they denied my loan although all my personal information is correct and they have to provide a better explanation for the denial and better customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report from XXXX and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with XXXX and XXXX directly. 
I then contacted XXXX and XXXX and they told me that I needed to speak directly with the companies again to remove.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated XXXX period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

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

I was in the process of getting a loan, when the bank told me that my credit report showed that I was late on my mortgage payment. My home was foreclosed on in XX/XX/XXXX and paid off at the sale and with the FHA loan. It is reported as a closed account on my Equifax credit report with a {$0.00} balance owed however they have not entered the date it was closed. ( XX/XX/15 ) which does show on my XX/XX/XXXX credit report. 

I have asked the bank ( XXXX DBA XXXX XXXX now ) and the attorney that handled the foreclosure to report the date to Equifax, both have told me it is the others responsablity to report the information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my account, despite several attempts to have them removed. Regrettably, I must bring to your attention the fact that this is now the third attempt to address and rectify this issue, yet the problem persists. 

It is unacceptable that despite multiple attempts to address this matter, the fraudulent items remain on my account. This recurring failure to effectively resolve the issue reflects poorly on your company 's commitment to customer satisfaction and raises serious concerns about the adequacy of your fraud detection and prevention measures. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

that the credit companies are not complying with their own policies in a timely manner.
Product: Credit card or prepaid card

I asked for a replacement card with Barclaycard, and while it was in process of getting delivered in the mail, which it finally did - the company went ahead and closed my account and now will not reissue the account whatsoever. I never missed a payment, had no issues, or anything. I just wanted my replacement card so I can begin using the card and have positive activity. They did this to discriminate and retaliate against me for no reason, and they will not provide a justification as to this decision that was made literally right as I asked for the replacement card. They are only doing this because I am of XXXX  ancestry, no other reason.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XX/XX/XXXX XXXX Balance Owed : {$2.00} ; XX/XX/XXXXXXXX Balance Owed : {$0.00} ; CXX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$300.00} ; XX/XX/XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXBalance Owed : {$6100.00} ; XX/XX/XXXXAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit with XXXX XXXX thru XXXX XXXX. Credit was denied based on erroneous information with Experian. Credit bureau reported 'applicant is deceased '. This is untrue. Currently alive. i maintain an active account with Experian. Need to resolve this problem immediately. It would be helpful to speak with a person rather than canned numbers to punch which don't address my issue. The government knows I'm alive.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows incorrect information on my credit report being reported by Transunion. Information does not belong to me and is due to possible fraudulent mishandling of my personal data. Have disputed this with both the debt collection agency within 30 days of knowing as well as with Transunion. Information still remains. I ask this be updated accordingly.
Product: Bank account or service

On the XXXX/XXXX/XXXX someone did a fraudulent wire transfer from my Business account at Chase Bank. The amount of the wire was {$40000.00} Chase bank approved the wire, debited my account and to this day XXXX/XXXX/XXXX they have not credited my account. 
The company the wire was sent to ( XXXX XXXX XXXX XXXX XXXX ) does not exist. 
Chase Banks claims department has informed me that the claim has been denied.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 



And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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. 

15 U.S.C. 1666B ( A ) ( 1 ) 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. 

I have sent various disputes since XXXX  and I have not received any documentation regarding the verification of my accounts.
Product: Credit card or prepaid card

I ordered two hairpieces from a XXXX distributor advertising on XXXX. 
The photos and ads were economically appealing since I suffer from XXXX, I placed the order and when they arrived I was horrified. The hair was literally fall out of these two hairpiece units. 
I can't run a brush through the wigs without clumps of hair coming out. 
After many emails they finally agreed for me to return. Return fee is XXXX USD via USPS, those wigs are not worth returning them. 
I called Citigroup the financial establishment that the charge was made to on my credit card, they credited the amount back to my account and in a couple of days they denied the credit and paid the seller. They are terrible quality and I would not even donate them to the XXXX XXXX. They since disappeared from XXXX and may be going under a different name. I don't beleive that Citigroup even attempted to investigate the dispute in a thorough or professional manner. 
It is a small fee but it was clearly a scam and thanks to the bank they were able to keep my money. Yes definetly publish this, I know others were probably scammed also. 
I assumed banks protected the consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX - XX/XX/XXXX - {$520.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$2700.00} XXXX XXXX {$3900.00} XXXX XXXX XXXX {$1300.00}