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

On XX/XX/2020, I purchased a XXXX XXXX ticket in the amount of {$530.00} from XXXX using my XXXX Visa credit card serviced by Comenity. I also purchased traveler 's insurance from XXXX in the amount of {$30.00}. Upon reviewing my credit card statement, I discovered that XXXX had charged my card an additional {$86.00} on XX/XX/2020. 

While I have receipts for both the ticket and insurance, I have no record of why XXXX would charge my card this additional sum. I contacted Comenity to explain the situation and that the {$86.00} charge was not legitimate. Comenity indicated that they would note this in their system and their fraud team would be in touch. Afterward, I received two follow-up letters from Comenity - one indicating only that I had contacted them and the second indicating that it appeared the charge was fraudulent and they were investigating. A few weeks later, my card began to be declined. 

I reached back out to Comenity and was told that the account had been closed and a new card was being sent to me. I was not given prior notice of this action. Comenity further indicated that nothing was being done about the disputed charge as it was reported as fraud and should have been reported as disputed. I spoke to a supervisor as well and basically was told I had used the wrong terminology to report the issue, but that " this was a good learning experience ''. 

They said that they had contacted XXXX and were told the charge was legitimate. Additionally, they told me that since I " had clearly given my card number to XXXX, all charges are therefore legitimate ''. I asked if XXXX had provided a receipt of why the amount was charged. Comenity said they had not, and told me I needed to contact XXXX myself. I repeated what I had originally told them - that I was unable to reach XXXX and that all numbers/emails I tried ( over the course of a week ) just routed me back to an automated message saying that XXXX was only speaking to customers who were traveling within the next three days. I requested that the dispute be filed again. 

Hearing nothing from Comenity over 30 days later, I filed a complaint with the Better Business Bureau. Comenity 's only response to the XXXX complaint was further unsatisfactory delay tactics. Despite my providing additional documentation and information to Comenity, the company has yet to respond to my latest inquiry. This matter remains unresolved and the charge remains on my account. 

This issue has been ongoing now for nearly seven months. 

Copies of documentation and correspondence is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site fifth third bank is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by XXXX  but account XXXX XXXX was not removed off my report and fifth third bank still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info XXXX  refused to remove account but a open account with fifth third with is open and is getting reported on XXXX  and XXXX  report false information is getting reported with XXXX  and is abuse of my name and personal credit report
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the inaccurate reporting of several accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve these inaccuracies directly with the credit reporting bureaus, the situation has not been rectified. 

Details of Inaccuracies : XXXXXXXX XXXX XXXX Account No : XXXX This account has been inaccurately reported as a charge-off with late payments that did not occur. Despite multiple disputes, the credit bureaus have failed to correct or delete the erroneous information. 
XXXX XXXX XXXX Account XXXX : XXXX This account has inaccurate reporting of late payments and incorrect account statuses. These errors have persisted on my credit report, despite efforts to dispute them. 
XXXX XXXX XXXX Account XXXX : XXXX The reporting of this account includes a collection status that is inaccurate. These entries have been challenged but remain unresolved. 
These inaccuracies are in direct violation of the FCRA, specifically : Section 609 ( a ) which ensures consumers ' right to accurate reporting.

Section 611 which requires credit bureaus to conduct reasonable investigations when disputes are raised.

Section 623 which holds furnishers of information accountable for providing accurate data to the credit reporting agencies.

Efforts to Resolve the Matter : I have contacted the credit bureaus and the original creditors on multiple occasions to correct these inaccuracies. Despite submitting formal disputes, the credit reporting agencies have either failed to investigate properly or have not corrected the information. This has caused significant damage to my credit profile. 

Requested Resolution : I am seeking the immediate deletion of the inaccurate information from my credit report. I request the Consumer Financial Protection Bureau to take appropriate action and ensure that the reporting agencies and creditors comply with the FCRA. 

Attached are copies of : My dispute letters to the credit bureaus.

Credit reports showing the inaccurate information. 
Sworn affidavits outlining the inaccuracies and violations. 
I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out as a victim of a recent data breach, which has compromised my personal and financial information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the blocking and deletion of specific fraudulent accounts and inquiries from my credit report.

The compromised information has resulted in the appearance of unauthorized accounts and inquiries on my file, detailed below.

Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5900.00} XXXX - XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

halsted financial service CALLING ME ALL TIME OF NIGHT AND DAY.THREATEN ME TELL ME THAT THE ARE GOING TO PUT COPS ON ME AND CALLING MY JOB ALL THE TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for a state tax lien on my report, the credit bureau removed the item during dispute but then turned around and put the item back on my credit report and restarted my  XXXX  year clock. The tax lien is for the  XXXX   XXXX  court in the amount of {$2000.00}. This lien has been paid and released. The dispute was filed to dispute the amount as being incorrect. My husbands tax lien public record was removed but mine was removed and then add it back. I contacted  Trans Union  to have the item investigated and all they did was redisputed it for being " too old to be on my report ''. I contacted my local  XXXX   XXXX  clerk office and they informed me that they do not report as to the credit bureau 's but that the credit bureau 's hunt this information and then add it to the consumers report. My goal is to have all of the bureau 's correctly report, or remove my public record for this tax lien.
Product: Credit reporting or other personal consumer reports

Paid the debt and company agreed to remove from Equifax but the account is still there
Product: Checking or savings account

I did not receive my pay check on pay day so I contacted my employer who states it is an issue with my bank. I contacted my bank who could not provide me with any details of why this has happened or when the issue will be resolved. I will not be receiving late frees from bills owed that I could not pay today.
Product: Debt collection

Kimball , Tirey & St. John LLP Is attempting to collect a debt that was already settled with the apartment complex I lived at in XX/XX/2017, XXXX XXXX. XXXX XXXX, apartments agreed to keep my security deposit in lure of the debt owed to them. There is no debt owed to either company. This information incomplete, inaccurate, and erroneous.
Product: Student loan

As I see the most recent news into the lawsuit against XXXX, I have to reach out in regards to another XXXX loan agency -- NJ Class. These loans are administered by a state agency, the New Jersey Higher Education Student Assistance Authority ( NJHESAA ). The constant disorganization of the company and the horror stories I hear from other people -- I feel like this is a prime example of a loan agency unwilling to help students pay back loans affordably. These loans come with high interest rates with no end in sight on when or how to pay back. The site has not been updated in 10 years, making it extremely hard to track progress and understand loan payback. They do n't offer good refinancing options -- only a 25 year option. Their customer service agents are rude and condescending. I 've had several incidents where I called and one agent told me one thing & the other told me another -- which in the end costed me hundreds of dollars in interest that went into their pocket. There are a few inconsistencies with bill dates & how much interest you accrue. Overall, they are not an honest & reputable agency -- like XXXX, they should be looked into. I have been lucky enough to pay off most of my loans to date but I know the struggle and strain it has put on myself, my parents, my brother, and friends.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau*XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX : Complaint Against Equifax for Violations of the Fair Credit Reporting Act** Dear CFPB, I am writing to file a complaint against Equifax regarding their handling of my credit reports and their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
**Background : ** My name is XXXX XXXX XXXX XXXX and I have been actively working to improve my credit. I sent dispute letters to XXXX on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite my efforts, Equifax has not complied with the legal requirements under the FCRA to conduct a proper investigation of my disputes or to remove inaccuracies from my credit report. 
XXXX Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) **Recent Developments : ** I recently became aware of the lawsuit filed by the CFPB against Equifax which alleges that Equifax has engaged in sham investigations of credit report errors. This lawsuit highlights the issues I have been experiencing, where Equifax does not properly investigate disputes and fails to remove or reinsert errors on reports, thereby threatening consumers ' access to credit, employment, and housing.

**Request for Action : ** Given the circumstances, I request that the CFPB investigate my complaint against Equifax for their non-compliance with the FCRA . I seek resolution in the form of : removing these items from my credit report - A thorough investigation into my disputes.

- Correction of any inaccuracies on my credit report.

- Assurance that Equifax will follow proper protocol in future investigations. l appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted by XXXX that Truist bank had reported that an installment loan was 30 days past due. I immediately looked into my account which was on autopay since I opened the account in XXXX of XXXX, stated that my balance owed was XXXX and there were no statements for the month of XX/XX/XXXX which reflected the delinquency. Furthermore, I was never given notice before the credit marker was placed that my account was late. I immediately paid the amount that was owed, and could not set up auto-payment. I called on XX/XX/XXXX to get things clarified, however, the representative stated that they would not remove the credit marker. My credit score has dropped by 40 points due to this their bad business practices. I am currently suffering as I am in the process of obtaining a mortgage and this is putting my ability to close on a loan in peril. 

They also stated that they were to update my account information. But they never did per their email sent in early XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. A timeline for when I can expect the fraudulent items to be fully removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Money transfer, virtual currency, or money service

I deposited {$52000.00} into bitstamp with the intent of purchasing crypto currency. I submitted their verification on XX/XX/14 and since then my account funds have been locked. I can not buy crypto currency nor can I withdraw my funds. I have done nothing beyond depositing the funds and proceeding with their verification. It has been over a month that this has been going on and I need my funds back. Thank you.
Product: Credit reporting or other personal consumer reports

Some one used my information such as my social security number to open or apply for Capital one Banking on dates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and just recently on XX/XX/XXXXXXXX XXXX XXXX 
I have things on my report that is has misimformation.I want these removed from my Credit Reports and an investigation so I can find out who's using my name. I Also have other Accounts I've never applied to or heard of that's on my credit report. XXXX XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Phone number XXXX -- XXXX XXXX XXXX  card inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX XXXX XXXX I did try to contact them on the phone numbers but sounds like it was disconnected. I also have XXXX XXXX XXXX account that is not mine that was Reported on XX/XX/XXXXXXXX XXXX XXXX  that was closed but they charging me {$150.00} even though its not my account. XXXX option 6 inquired XX/XX/XXXX XXXX XXXX XXXX, XXXX MD XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX phone number XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Potentially Negative Date opened XX/XX/XXXX this shouldnt be Beginning since I paid it monthly. XXXXXXXX XXXX XXXXXXXX opened potentially Negative it shouldn't be negative because I never used the card. XXXX XXXX account Date opened XX/XX/XXXXXXXX I never opened an account with them nor do i use XXXX XXXX. I also found wrong address on my report XXXX XXXX XXXX, XXXX, La XXXX is not my address. Names I want removed are as Follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I want these things to be investigated and Removed from my Report as well as any expenses that is not mine. I do not wish to pay for things on my credit report that is not mine because all of these things I can not get a banking account or a credit card on my name to build my credit.
Product: Debt collection

According to FDCPA 15 U.S.C 1692G and FDCPA 15 U.S. C 1692D., you are in violation of my consumer rights by furnishing this inaccuracy on on my consumer reports I am demanding this file be removed immediately
Product: Credit card or prepaid card

Hi! I signed up for this card due to the {$250.00} promotional bonus when you spent a certain amount of money by the first few months. I tried to spend the {$1000.00} and thought I had successfully done so! it was the day of the deadline to spend, so I thought I would grab some gift cards. YOu can check the attempted transaction records for proof! But for whatever reason, this gift card site did not process the transaction. I went to bed that night and didn't realize until the next day. This has made me super unhappy and I just want someone to make it right because it wasn't my fault. Thank you.
Product: Credit card

XXXX XXXX XXXX XX/XX/XXXX USAA/ Consumer Report Dispute Attn : Form Code # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, I still have not received your official response to my attached later from XXXX and closure of my identity theft case in your organization as outlined in the attached correspondence. 

However, in the very beginning of XX/XX/XXXX, after more than five months of lengthy and very painful follow ups by numerous calls and correspondence with your organization, XXXX XXXX XXXX from the office of the CEO at USAA confirmed verbally to me and my attorney, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX, that finally USAA has recognized and confirmed this case as an identity theft! At the same time, for reasons unknown and surprising to me she said that your organization needs a bit of time to close this matter properly within USAA before confirming to me and credit bureaus in writing! Furthermore, after several calls with XXXX XXXX she promised that the case will be properly closed and communicated to me and all the credit bureaus the latest by XX/XX/XXXX. As of the date of this letter to you on XX/XX/XXXX and after several further reminder messages to XXXX XXXX I am still awaiting proper closer of this matter which has caused me unbearable personal and financial stress during the last six months. If you disagree with any aspect of the foregoing please do advise. 

I believe that I have been more than patient with your organization during the last 6 months, during which I have had to put many personal and business activities on hold, which have resulted in unbelievable hardship to me and my family, in addition to significant financial losses. I am therefore writing to you one last time in the hope of moving your organization to do the right thing with urgency and clear my record immediately, as you have already decided, by clear confirmation in writing to me and all the credit bureaus. In the absence of a quick remedy so that I can put my life back together, I will have to take the very unfortunate step of referring your organization to the court of law and I will hold your organization accountable for all the legal and personal costs that I have already incurred and will incur in the future to bring this matter to proper close. 


Sincerely Yours, XXXX XXXX CC : XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX, XXXX XXXX FBI XXXX XXXX Special Agent XXXX XXXX XXXX XXXX, XXXX XXXX Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Attorney At Law XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX