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

I sent a document to obtain a free credit report. I sent Id, SS Number and evidence of residency.     The file not returned because not send the previously information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XXXX of XXXX, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/XXXX, I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XXXX of XXXX, which was received on XX/XX/XXXX. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/XXXX and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.
Product: Credit reporting or other personal consumer reports

Between XXXX and XXXX of XXXX my credit score by TransUnion dropped XXXX points from XXXX to XXXX with no explanation as to why. I requested a credit report from TransUnion, however there was no items on the report that would explain a XXXX point drop in credit. I called TransUnion and spoke with a customer service representative who stated they could not find a reason for the credit loss. They further stated that in order to help me I would need to pay them a fee for my credit score ( which I already have ). They would not help me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Credit reporting or other personal consumer reports

I placed a fraud alert on my account in XXXX  0f 2023 because I had been a victim of identity theft and needed to have my account monitored. In XXXX of 2023 there appeared an unrecognized debt from Foster and Monroe LLC in the amount of {$5800.00}. The original account is listed as XXXX XXXX XXXX XXXX. I filed a fraud claim with XXXX and I was advised by an XXXX representative to file a a report here. On XX/XX/2023 I printed my credit report and was made aware of a derogatory reporting on my credit. I began reaching out to Foster Monroe LLC ( with a listed number ( XXXX ). I have left daily messages and have not received any response from this collector.
Product: Checking or savings account

Since XX/XX/year>, small business owners like myself have been unable to access our business accounts with Capital One. My business savings account with Capital One has been inaccessible to me via the CapitalOne XXXX. As a result, I am unable to withdraw and deposit funds to run my business efficiently. Furthermore, I am unable to seek help at any physical location because Capital One has closed all the physical locations in and around my city ( XXXXXXXX XXXX  ). The one branch they had in a nearby city ( XXXXXXXX XXXX XXXX was recently closed by Capital One without any explanations or warning to their customers. 
I have called Capital One Customer Service multiple times since XX/XX/year> asking for explanations and asking for alternative solutions for conducting the necessary transactions for operating my business, but I get the run-around every time. Whenever I called, I was given excuses that they are " having problems with their online systems '' without any CLEAR explanations provided regarding the nature of the online problem and a resolution timeline. I also requested to be given an alternative solution to the problem since Capital One made a conscious decision to not have physical locations anywhere. But they had no solution for me. Instead I was told to " check back tomorrow '' each time. 
My last call to Capital One was yesterday XX/XX/year>. 
I demanded to speak with a XXXX, hoping to get some additional information regarding a resolution timeline. Again, this XXXX had no answer for me other than " Check by the end of the day or tomorrow '' I demanded for an escalation and a Case number was provided for my demand. The Case ID # I was given is : XXXX No one from Capital One has contacted me to follow up on all my phone calls and enquiries since all of this began. 
It is clear that Capital One has little or no regard for its customers and they should be investigated and penalized if these reports are true. 
I am demanding the following : 1 ) A complete investigation into the actions of CapitalOne towards its customers regarding this problem with access to accounts.

2 ) That Capital One be held accountable for all inconveniences and losses experienced by its small business customers 3 ) That CapitalOne be forced by the Federal Government to open physical locations in every city where their customers live in the United States OR If they choose to be an online-only bank, that the Federal Government mandates Capital One to maintain continuous, reliable, uninterrupted online access 24 hours a day without any excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit card or prepaid card

I filed a dispute about charges and never heard anything from Chase until I got a bill showing these charges. I sent them a email letting them know I disputed these charges and they said we mailed you a letter needing info and never received anything back. I advised I never received anything from them. So they needed to dispute those charges again. The total amount is {$290.00} I keep sending them a email and all they say is we will look into it. I advised to them I have a payment coming up due which comes from this dispute. When I bring this up they never say anything about this. A credit has not been put on the account to stop payments being due. A payment is due by XX/XX/XXXX. This has been going on with them since last week. I have tried to call them but, they have extended wait times. I'm sending them anywhere from 2-4 emails per day trying to get this fixed.
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 right to privacy and confidentiality under 15 U.S.C 1681. 
Account Name ... ... XXXX XXXX XXXX Account Number .... XXXX XXXXXXXX... 
Account Name ... .. XXXX XXXXXXXX XXXX XXXXXXXX ... .. Account Number ... ... .. XXXX XXXXXXXX .... 
Account Name .... XXXX XXXX XXXX Account Number ... .... XXXX XXXXXXXX ... 
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... 
15 U.s.c 1681 C. ( 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 crime with antedates the report by more than seven years. 
15 U.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.. I'm a natural person, i'm a living human being i have right under 15 u.s.c 1681. 
Experian is govern by 15 u.s.c 1681 and they have violated my right numerous of time.. 
I demand the accounts listed be remove asap.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Capital One reported to all XXXX credit bureaus that I have more than 30 days late payments on both accounts, I have proof of payments between XXXX and XXXX, so this is inaccurate and misleading information and has affected my credit score by more than XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX  for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX  and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from Nelnet for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX  and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX  and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Product: Checking or savings account

On XX/XX/XXXX I went to my local fee free atm ( company : XXXX ) at XXXX advertised by chime to withdraw {$380.00}. Unfortunately for me I wasnt quick enough to grab my money and the atm retracted the funds back into the collector. I then followed the prompt on screen to call my financial institution for assistance but upon doing so a chime representative told me to wait for the transaction to complete pend and wait to call back. So I call back on XX/XX/XXXX to file a dispute and I tell them everything that happened up till that point. Im later told on the call with the representative that the dispute will be sent to a investigator and will be reviewed and that I will get a temporary credit for the time and that this whole situation will have a review time of XXXX, XXXX to XX/XX/XXXX. This morning I wake up to the dispute being denied which seems rushed and not at all investigated to the lengths in which it should of, and so this prompted me to contacting the company XXXX and seeing if they could help point me in the right direction and upon talking to a representative, she told me to request a Regulation E form and just incase request the Denial letter to see how they got to that conclusion. If it is a security feature of the atm then it should only be natural that I should be within my right to have that money returned into my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and multiple unauthorized inquiries that appear on my credit report. I am a victim of a data breach, and I did not authorize this account or the listed inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Account to Be Blocked and Deleted XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$460.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) XXXXXXXX XXXXL XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXXXXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$2900.00} with XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract with my wet signature and ID verification. Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, XXXX XXXX XXXX ( XXXX ), reported with XXXX  and Transunion that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with XXXX  and Transunion disputing that error, but XXXX sent them ( XXXX  & TransUnion ) a  response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, XXXX reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. XXXX received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that XXXX received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my XXXX online account activity, which shows that XXXX acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but XXXX has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.
Product: Debt collection

On or about XX/XX/, I received a threatening letter from ANDREU , PALMA , LAVIN & SOLIS , PLLC. In the letter they claim to be trying to collect a debt and if not compliant with their demands, such debt would be taken up in court. I then sent a letter back to ANDREU , PALMA , LAVIN & SOLIS , PLLC asking for a list of proofs that so called debt was true. They responded with 30 pages of billing STATEMENTS, this is proof of NOTHING. I then was LEFT paperwork on my front door steps. I immediately returned that paperwork to such sender/senders. I next received notice to appear in court. I am being HARASSED AND THREATENED with no due course. The burden of proof lies with this law firm not me! If said debt is valid then i am entitled to have proof of said debt ( ORIGINAL CONTRACT ). This behavior is dangerous and intimidating and must stop.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of fraudulent items on my credit report, despite numerous attempts to have them removed. Despite my persistent efforts, these fraudulent entries persist, casting a shadow over my financial integrity and causing undue hardship. 

I have diligently followed all necessary protocols to dispute these items, providing extensive documentation and evidence to support my claims of fraud. 

However, despite my repeated attempts to rectify this matter, the fraudulent entries continue to mar my credit report, tarnishing my reputation as a responsible consumer and hindering my ability to secure credit and make important financial decisions. 

This persistent failure to address the fraudulent items reflects poorly on your organization 's commitment to accuracy and integrity in credit reporting. It is unacceptable that despite my continued efforts to resolve this issue, there has been no meaningful progress or resolution. 

I urge you to take immediate and decisive action to rectify this matter by expeditiously removing the fraudulent items from my credit report. Additionally, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to explore alternative avenues for resolution, including legal action and escalation to regulatory authorities. I trust that you understand the seriousness of this matter and will take all necessary steps to rectify it without further delay. 

I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX Balance : {$3300.00}.
Product: Credit reporting

I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
Product: Credit reporting

I initiated a dispute on XXXX/2016 due to erroneous fraudulent information being reported on my credit bureau report, and I have a 7 year fraud alert with a police report filed. 
Also I recently filed a bankruptcy and there were a lot of accounts that was suppose to be included in that bankruptcy on my credit report that was not, and was reporting adverse action negatively as if I never filed a bankruptcy. XXXX, and XXXX had taken care of the erroneous fraudulent situation the first tI 'm I noticed and disputed the accounts, however equifax have not resolved the issues!
Product: Debt collection

WAKEFIELD & ASSOCIATES APPPEARED ON MY CREDIT REPORT THIS YEAR IN XXXX AND I NEVER RECEIVED ANY NOTICE FROM THIS COLLECTION AGENCY. I DO NOT KNOW WHAT ACCOUNT THIS IS. THIS ACCOUNT DOES NOT BELONG TO ME. I HAD MY PRESENTATIVE TO CONTACT THE COMPANY ON XX/XX/XXXX AND A REPRESENTATIVE BY THE NAME OF XXXX XXXX UP IN HER FACE AFTER ASKING A LOT OF PROBING QUESTIONS.
Product: Payday loan, title loan, personal loan, or advance loan

Achieve Personal Loans is a prime example of using bait and switch tactics. They insisted my rates would be 10-18 % and could even be as low as 5.99 %, in order to pull my credit. I specifically told them I was not interested in anything over those rates and was promised they were accurate. XXXX, XXXX and XXXX have all agreed that this was a bait and switch operation. They are now ignoring my phone calls and giving me the run around as to what is going on. 

Thursday, XX/XX/2023 - XXXX XXXX : Received email regarding application - XXXX XXXX : Received email requesting Driver License, Voided Check and Paystub Within 30 Days Friday, XX/XX/2023 - XXXX XXXX : Received email regarding pre-approval - XXXX XXXX  : Received call discussing options and was told rates were between 10-18 % while on the phone with XXXX and XXXX XXXX. We agreed to move forward based on the information she gave us and specifically stated we did not want our credit pulled if it was going to be over the rate discussed - XXXX XXXX : Received email requesting documents again - XXXX XXXX : Received call from XXXX to go over options they had generated over 10-18 % - XXXX XXXX  : Received call from XXXX notifying us she was escalating the issue to XXXX - XXXX XXXX : Received email from Jade about escalating the issue to XXXX XXXX ( Manager ) Sunday, XX/XX/2023 - XXXX XXXX  : Called XXXX, left voicemail to call back - XXXX XXXX : Called XXXX, left voicemail to call back Monday, XX/XX/2023 - XXXX XXXX : Emailed XXXX asking for an update Tuesday, XX/XX/2023 - XXXX XXXX : Called XXXX, no answer - XXXXXXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX  : XXXX called back, told us she would escalate it to another manager