23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I do not consent to an electronic communications. I request all responses be in writing throughtheusps I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

I need your help with the incorrect account that is being reported on my credit file. This error has been extremely harmful to my reputation, and your assistance is crucial. Your mishandling of my credit information has brought me to a breaking point, and my reputation has been severely damaged. These mistakes must be corrected so I can protect my family 's future.
Product: Checking or savings account

I was given bad checks by a potential employer ( which turned out to be a scam ). I've never had a check bounce before so I was unaware of the possible consequences of attempting to deposit bad checks. After the first check that I deposited, I was informed by the bank that the check was returned and the money deposited failed to clear. I was given another check to deposit. I informed several representatives at the bank that I had received another check and that I was worried that it too, would bounce. I asked a representative if I should deposit the second check and I even told him that I thought that it might be fake and he said, " Yeah, go ahead. '' None of the employees that I spoke to regarding the second check warned me that a second bounced check would result in the closure of both of my accounts ( checking and savings ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This alleged debt this company says I owe has already been paid. It was paid in the form of ACH payment. Not only do I have the receipt shown payment was RECEIVED, but my receipt also shows payment was APPROVED. I took care of this debt on XX/XX/XXXX. I sent all 3 credit agencies proof that this debt was not only received but also APPROVED! This proof was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amount that was approved as paid was {$990.00}. I have my receipt saying to print this page for my records. My receipt shows the amount paid, invoice number, Ref number, and Auth Code. There has not been any correspondence between XX/XX/XXXX until present that stated payment was not approved or came back. I would like this removed from my credit report immediately. The company 's name is Kimball Tirey & St John and I forwarded my proof to all 3 credit bureaus. Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not solicit this company for any product or service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

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 card

Barclay 's XXXX XXXX XXXX  CARD account ending in XXXX! Current Balance is ( {$800.00} ) Is still not closed and I would like it to be closed immediately. The fraud team has been a disaster in handling this matter, each time I've spoken to someone over the phone they say that they will make notes but somehow no one at the call center or fraud team have never seen the notes that were on the account saying this fraud. This is the last time I will be making this complaint or I will have to get lawyers involved. 

Backstory : I lost my wallet days prior... but on XX/XX/XXXX I got a notification through XXXX that a line of credit was opened falsely under my name. I started a dispute and got XXXX letters a couple days later saying the fraud team found no fraud which is upsetting... I dispute again, I get an email/mail from XXXX from the Office of the President saying that they indeed found fraud and that they would report it to agencies so that It would drop off my account in about 60 days. Great!! I need not to worry. 

XX/XX/XXXX : I received a notification through XXXX that Barclays flagged the fraudulent account for a late payment which I thought it was resolved already because I talked to XXXX and she assured me that it was handled .... ( My credit score drops significantly ) I call XXXX again said that one of the fraud team members made a mistake and re- activated the account.. but need not to worry that it will get taken care of, great! 

XX/XX/XXXX : The fraudulent account in XXXX shows that it's still under dispute. Also!! XXXX XXXX XXXX still has them marked as 60days past due. I checked it's not closed. My XXXX XXXX has jumped back up according to XXXX but I want this account to be closed immediately and to make sure other agencies are notified ( XXXX XXXX XXXX ) so it's not on my record. I have since received XXXX mailed letters saying that " Their Investigation found no fraud '' marked with dates XXXX, XXXX XXXX. This is highly upsetting. Again if your " Investigation found no fraud '' You're going to have to show me video proof that I was in that store opening a credit card, which I can tell you 101 % you will not. 

I'm doing apartment searching in the near future and I won't have this over my head. I've attached my proof down below.
Product: Credit card or prepaid card

The company advertises a toll free number, but yet there is a fee every time I call the number on the back of my card. The number on the back of my card is the same number on the website and any statement. It is very difficult to get a live representative on the phone. Once the number is called, the caller is put into a loop of recordings, hung up on and forced to call back. XXXX XXXX XXXX use to send paper statements in the mail and now I am charged a fee every time I call the number to request a statement. I have never been able to make an online account. It was not important to me until they stopped sending monthly paper statements in the mail. Now it costs me a fee to call the number on the back of the card. The few times that I can actually get a live rep on the phone, I am given a ticket number and told I will receive a call back within 2 days. If I miss the call from another state, I have to go through the same process all over again and pay more fees.
Product: Credit reporting

A compliant was filed on XXXX/XXXX/XXXX with this agency, # XXXX. Experian stated it would mail me a copy of my credit report. To date, I have NOT received the copy. This is the original compliant. I am a XXXX year old XXXX XXXX honorably discharged veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XXXX and XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing a credit card that is reporting on my credit report that is false and causing me to be denied credit. I receive letters for three different debt collectors about the same debt, when i try to dispute with the address given my mail is being returned to sender. I have no knowledge and or contract with this company or any of the other companies that is trying to collect on this inaccurate debt. the alleged debt is in the amount of {$750.00}, I have not been provided with any proof that I owe such debt from any of these debt collectors and credit bueraus. Everything continues to come back as verified accurate still with no proof of accuracy. I have a letter form the alleged original creditor XXXX XXXX XXXX stating that they have no record of the account ending in XXXX.
Product: Credit reporting or other personal consumer reports

Did not consent to or authorize XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

Attempted to purchase from multiple online retailers and was denied every single time. Gift card balance is {$500.00} but can not be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused XXXX  to my life. Please remove these account immediately.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, has violated my rights I looked at my Equifax credit report on XX/XX/year> and noticed some things are XXXX and not accurate. 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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- ( ) 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 suppose 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.
Product: Student loan

I submitted the SAVE application on XX/XX/23. Since then I have called multiple times about not getting the email every 10 days, as Nelnet promised, informing me on the processing of my application. This organization has also been predatory when it comes to how they don't allow automatic payments above the minimum payments.
Product: Credit card

I applied for XXXX cards from Chase, XXXX and Amazon, XXXX cards were approved. I used my Amazon card to make a purchase the account number was loaded into my Amazon card. About a week later I called to activate my card and was told that the account was closed. I called customer service they stated that I needed to speak with the lending department. This morning I spoke with lending who stated that they closed my accounts due to the number of accounts that have been opened within the last 12 months. I explained to the female that I have some accounts that belong to my father that some how got attached to my report. XXXX vs XXXX. She was unwilling to reopen the account. i find this a terrible business practice as XXXX accounts I had to go through fraud verification and they saw the accounts on the credit file on the account at that time. So why open the account to just turn around and close it makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Companie is repoting to the credit agency that I owe XXXX to them. I never had a contract with them. The companie was sent notice 30 to 60 and they didn't remove it from my report and its still repoting with a blance. The date was last reported XXXX the opend date was XXXX
Product: Credit reporting or other personal consumer reports

Company reporting bankruptcy in error. I have contacted lexisnexus a company they typically used and all information hss been deleted. Please remove this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX
Product: Checking or savings account

To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America concerning an incident that I believe constitutes a violation of the Expedited Funds Availability Act ( EFAA ) and Regulation CC. On XX/XX/2023, I deposited a cashier 's check into my account at Bank of America. Despite the nature of the instrument being a cashier 's check, which typically warrants a shorter hold period due to its near-equivalent status to cash, Bank of America has placed an extended hold on these funds, with a release date set for XX/XX/XXXX. 

This extended hold is considerably longer than the standard timeframes outlined in Regulation CC, which generally requires XXXX XXXX to make funds from cashier 's checks available within one business day after the deposit is made. The delay in the availability of my funds has caused significant inconvenience and potential financial hardship, as I am unable to access my own money. 

I have attempted to resolve this issue directly with Bank of America, but have not received a satisfactory explanation or resolution. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter. It is my understanding that the CFPB is committed to ensuring fair and lawful practices in the banking sector, and I believe this situation warrants such attention. 

Please find attached relevant documentation, including the deposit receipt and any communication I have had with Bank of America regarding this issue. 

Thank you for your attention to this matter. I look forward to a resolution that upholds the standards of banking regulations and protects consumer rights. 

Sincerely, Attachments : Deposit Receipt, Correspondence with Bank of America
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I am not liable for this debt, I do not have a contract with Credit Control and they did not provide me with the original contract as i requested. 

They called me and i wasnt comfortable with the phone conversation i read yall response and its crazy that you guys are refusing to respond to a case without this information below. 


My address is XXXX XXXX XXXX, Last four of my social is XXXX XXXX XXXX is my full name, XXXX is my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my Experian account and I have been disputing this account with a police report and FTC for 2 years and nothing has been done about it I need help because this is not my account I dont know how else to say this. 

XXXX  XXXX XXXX - Acct # XXXX Amt {$17000.00}
Product: Mortgage

I am formally requesting that AMS remove the 30 day late reported on my credit report as it is INACCURATE. For account number AMS SERVICING INC XXXX we were never late during the month it shows on the report, please delete the 30 day late reported as it is incorrect and see my proof of payment that I made to the previous mortgage serviser!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXXrelated XXXX XXXX which qualifies as XXXX under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX  - Balance : {$1300.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$14000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$720.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$2000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$680.00} - Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : XXXX XXXX XXXX XXXX # XXXX****, XXXX   XXXX  XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX   XXXX XXXX XXXX XXXX**** , XXXX  XXXX XXXX # XXXX**** , XXXX # XXXX****, XXXX XXXX XXXX****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.
Product: Debt collection

Account number : XXXX Unpaid Principal Balance : {$29000.00} Interest Amount Due : $ XXXX Late Charges Due : XXXX Advance and Other Expenses : XXXX I called the company PHH Mortgage Services XXXX XX/XX/2021 for information on the account they have under my name. The company could not find any record of the debt they are accusing me for. There is no record of the debt! I want the company PHH Mortgage to delete it from my credit report.
Product: Credit reporting

I did manage to read between the lines today ( XXXX XXXX, 2015 ) on the Experian website, and it would appear that by asking for an " initial 90 day '' alert within 30 days of expiration of the initial fraud alert, then the corporation gives an additional 90 day extension ( and alerts the other XXXX ). So I did that and Experian assigned the number XXXX to my request for " initial 90 day '' alert which is actually my request for an additional 90 days to the original 90 days, but I am only reading way between the lines on if I have followed their hidden rules well enough to accomplish this first extension. What is the financial payoff to these XXXX corporations by nbot making it easy to get a 90 day extension? Thank you.