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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX  Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX XXXX, PDQ, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX  posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
XXXX, TransUnion and XXXX  all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.
Product: Debt collection

This company has called my work phone number multiple times. The first instance my coworker answered ( before I arrived at work ) when my coworker asked for the number for me to call back they simply told her " Use the number on the caller ID '' ( Unprofessional, rude ) I called them back and let them know they were not allowed to call my business line at all. A week later ( today ) I received yet ANOTHER call from this company after telling them they were not allowed to call my work number. This is 100 % illegal. They do not speak to anyone once you tell them to not call Call dates XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX
Product: Credit card

I booked a flight with XXXX using my Discover credit card. Within the 24-hour window of purchase, I canceled the flight in accordance with XXXX policy and federal regulations. Despite this, XXXX failed to issue a refund. 

I promptly filed a dispute with Discover, providing all necessary documentation to support my claim, including proof of cancellation within the stipulated timeframe. However, Discover denied my dispute without sufficient explanation, leaving me without the refund I am rightfully owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit card

READ SLOWLY AND THOROUGHLY! In response to my CFPB complaint ID XXXX and XXXX, American Express ( AmEx ) failed to address -- on every single piece of information provided to them -- my complaints, and they now allege I owe them a balance. Additionally, they have changed my communication preferences to allow postal mail from them, when I did not give them any permission to do so. First, AmEx was told that I am not the one who made the abusive phone calls to their customer service professionals -- my late husband made those calls, who was an authorized user on my accounts -- meaning, he had legal permission to speak to AmEx -- and I, therefore, provided his death certificate to substantiate what I am asserting. AmEx did not so much as acknowledge that the basis for my complaint is that I am not the one who made the calls. If AmEx has proof that it was me, personally, and not my husband, who made those calls, I invite AmEx to provide that proof. Otherwise, AmEx is to address the fact that I did not make the abusive calls ; those were made by my late husband. Second, AmEx states I owe them money on my individual accounts that were closed -- and this is false. I paid my accounts in full when they were closed, and they have been reported as a zero balance on my credit reports for more than three years. If there is any balance due on my individual accounts, I assert that AmEx is falsifying and fraudulently claiming I owe money. Lastly, AmEx sent me an email dated XX/XX/year>, updating my communication preference -- to allow for them to communicate with me by postal mail. I made no such request to change my communication preferences. This change violates my privacy rights, because I specifically stated to AmEx, previously, not to contact me. If AmEx has proof to substantiate where I asked to receive postal communications from them, I welcome them to submit that proof. Otherwise, AmEx violated my privacy and communication preferences in an abusive and deceptive manners -- without my permission.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1900.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) has violated my rights. 

This is a medical bill that was reported on my credit report. The bill was entered with the incorrect medical code and provided to my health insurance. My health insurance will not pay it as it was never corrected by XXXX XXXX. I am unable to purchase my dream home with this negative remark.
Product: Checking or savings account

They closed my accounts unexpectedly and wont respond to any of my complaints I filed against them this is not fair when Ive been a long time customer they dont want to do business with me and wont tell me why claim its under their contract horrible policies this bank is crazy Ive been with them for years and this is how they treat me I feel discriminated for being told I can never do business with them again or have any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed  Chapter   XXXX  Bankruptcy in  XXXX    XXXX   on a home mortgage and the credit report reads a outstanding interest accrued amount instead of a status of discharged through chapter  XXXX  bankruptcy.
Product: Credit reporting or other personal consumer reports

By checking my credit report I have found a fraudulent account from XXXX XXXX XXXX with the account number XXXX opened on XX/XX/year>, this account is fraudulent please remove it from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/, I received a letter from my loan servicer, XXXX, via USPS, regarding forgiveness of my loan ( s ) in full ( see attached ). The letter states that the entire balance of my loan ( XXXX ) have been forgiven in full. It also states, on page XXXX of the letter, that XXXX has or will " by the end of the month '' notify " all national credit bureaus of [ the ] student loan forgiveness ''. However, XXXX did NOT notify the credit bureaus of the forgiveness by the end of that month, and my account balance and account status continue to show the full balance due and an active and open account. On XX/XX/XXXX, I submitted a dispute with the credit bureaus, and provided the information sent to me by XXXX, including a copy of the letter I received, referenced here. The credit bureaus investigated and contacted XXXX. The credit bureaus XXXX reported that XXXX affirmed to them that the information XXXX was reporting to them regarding my loan account balance and account status was accurate and correct, when in fact, it is not - per their own letter to me and the account balance showing currently on the XXXX account system. I then contacted XXXX directly. XXXX representatives told me via a phone conversation on XX/XX/XXXX that although my loan has been forgiven, in full, and the account balance IS XXXX, that reporting that information to the national credit bureaus would take up to 90 days. I pointed out that the response contradicts the information in the letter promising that they would report the change to the credit bureaus " by the end of the month ''. I was then told that XXXX would not be " expediting '' any reporting, and again was told that it could be up to 90 days, which would be by the beginning of XXXX. It is no well past the beginning of XXXX ( past the 90 days ), and XXXX continues to report inaccurate information on my credit report to all major credit bureaus, showing an active loan account with a full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. I filed a dispute with Equifax a couple of times and I had no success in getting these items removed from my report. 

my last dispute date is XX/XX/2022
Product: Debt collection

XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX  {$84.00} All have shown no proof therefor needs to be immediately  removed off credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to report a dispute with the debt collections on my credit report, I don't recognize any of this and I have been sending letters for those verifying those accounts and they not responsive as consumer there a law can protect me for this bad practicing the Fair Credit Act 15 USC 1681a ( 2 ) I didn't give any permission to have those accounts furnished on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$450.00} XXXX XXXX  Balance : {$630.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX  CRD XXXX Balance {$10000.00} XXXX  CRD XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

XXXX states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. XXXX refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

XXXX continues to allow debt collectors to report as creditors. I have disputed more than 3 times the following companies : PORTFOLIO RECOVERY A, XXXX XXXX XXXX XXXX 

These are screenshots from XXXX site.
Product: Checking or savings account

It was suggested that I file a complaint with you all by the XXXX XXXX hotline. On XX/XX/2021 I was the victim of a scam in the amount of {$2000.00}. Scam details aren't relevant here except that it required my going to my bank XXXX National Bank of Arizona XXXX and making a cash withdrawal of a little over $ XXXX. I wasn't able to signal that I was making withdrawal under duress, because of the following : 1XXXX mask prevented me from mouthing anything 2. nothing to write teller a note on 3. the scammers were on the phone listening the entire time. I would have welcomed someone questioning this uncharacteristically large withdrawal, which was almost my entire savings - at least asking was I okay. 
when I filed police report the officer said that I should call my bank, which I in turn did on XX/XX/XXXX, XXXX the representative was nice but said nothing they could do - which I expected. However after giving the matter some thought I was disappointed that no one questioned my making such a weird cash withdrawal when it wasn't my pattern. this may have stopped things there had they realized a problem and summoned law enforcement. 
I told the rep that I would like to see policies changed so in the future other victims might be saved from what I had gone through. I asked to speak with someone in operations, stating that I didn't see the value of speaking to a branch manageXXXX since they could not effect any real change. 
on XX/XX/2021 I received a call from XXXX XXXX, who was the branch mgr of the XXXX AZ branch. This was not the branch I visited, but XXXX az does have some connection to the scam, so someone got details all mixed up. Anyway Mr. XXXX was extremely rude and condescending, and was adamant that nothing could have been done/ I didn't do enough etc. I was already XXXX so honestly I just hung up. Following this call I reached out through the bank 's social media on XXXX to let them know how disappointed I was. On XX/XX/XXXX I received a call from XXXX, the branch manager of the XXXX branch that I had visited. She at least was very polite, asked a lot of questions. She said that she would " pass on '' my suggestions, but there were still undertones that she probably thought I was a XXXX 
I'm offended that I was never offered the opportunity to speak to any higher ups as I requested, and especially offended at the way i was treated by the first branch manager who called me. 
all I'm really trying to do is to raise awareness that tellers should question uncharacteristically large withdrawals. There is so much fraud these days that this could happen to anyone, and the bank would be a good place to intercept. I'm disappointed that my message has seemed to fall on deaf ears. 
I never would have taken it any further except the lady at the XXXX XXXX XXXX  said that it sounded like my bank treated me very disrespectfully, and I should report it. I don't really think they care one way or the other.
Product: Credit reporting or other personal consumer reports

I have disputed specifically with XXXX because this issue is only with XXXX. Creditors are responsible for correctly reporting information to the credit bureaus. After having my information looked over by a lawyer and looking through the credit reporting laws myself, I want to make sure the closed account under XXXX gets taken off my XXXX credit report. This is important because it has had an impact on my everyday health and wellness. I know XXXX didnt check it because I asked XXXX to send me the information, they used to investigate that the account is accurate. I asked them to send me the documents they used to verify this information and I still have not received any. So, I dont believe XXXX investigated my account dispute deeply. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] states that this information is supposed to be given in under XXXX days. If written notice is not sent within this XXXX period, then XXXX is in violation of the FDCPA. 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 XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions15 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.

I am writing to dispute the following information that appears on my Equifax report : Collection account from XXXX XXXX XXXX with a balance of {$280.00} past due as of XXXX XXXX. The original creditor is XXXX XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.