23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I insist on the removal of this late payment from my account as it does not accurately reflect my payment history. I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair Credit Reporting act. The of of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. Account number XXXX 15 U.S.C 1681 section 602 A states I have the rights 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports 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 reporting agency if the person knows or has reasonable cause to believe that information is accurate.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I logged into my Chime Mobile Banking app to pay a bill. I immediately noticed that my XXXX XXXX XXXX was turned off The app for login. I then Logged in with my email and password. Once the account open, I saw that all of my money Was gone. I checked the statements And saw that there were two separate transactions sent to a name that I do not know. One transaction for {$500.00} and the other for {$1000.00} ant anround XXXX on XX/XX/year>. I anlso received an email from chime with a log in request at XXXX that I did not request. Immediately called disputed the transactions. The Chime support let me know that I was qualified for a temporary credit until the investigation was complete. The agent let me know that I should receive the temporary credit in the full amount of {$1500.00} within 10 business days. After I Filed the dispute with chime bank, I was told I would receive information within the next couple of days regarding the investigation. The dispute number is XXXX filed on XX/XX/year> @ XXXX am. The same day XX/XX/year> @ XXXX I received an email update about the dispute, It said that the investigation was concluded, and I would not be receiving a refund or temporary credit that I was promised. I have proof that I did not those transactions and also proof that I was not active in the mobile app from XXXX XXXX  to XXXX XXXX  on XX/XX/year>. I was told by the company that they would send me documents as to why they made the decision to deny my disputes, they did not send them.
Product: Credit reporting or other personal consumer reports

XXXX. On XX/XX/XXXX : DATE OF 1ST DELINQUENCY reported. This should start the time clock XXXX. On XX/XX/XXXX, Equifax generated a credit report including Payment Status as Charge-off XXXX. On XX/XX/XXXX, Equifax generated a credit report including Date of first delinquency as XX/XX/XXXX. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ) Equifax completed their investigation and stated THE DISPUTED INFORMATION HAS BEEN VERIFIED AND/OR UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS *TYPE OF ACCOUNT *PAST DUE *DATE OF XXXX DELINQUENCY. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ) Equifax completed their investigation and stated THE DATE OF LAST ACTIVITY HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ACTIVITY DESIGNATOR. Account XXXX with XXXX Codes had been included. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ) Equifax completed their investigation and stated THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ) Equifax completed their investigation and stated WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. 
XXXX. On XX/XX/XXXX : The account should have been removed from the credit report as it has been XXXX years since the DATE OF XXXX DELINQUENCY on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX ( Confirmation # XXXX ), Equifax completed their reinvestigation with the result stating THIS CREDITOR HAS VERIFIED THAT THE DATE IS BEING REPORTED CORRECTLY. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. Shows Date of Last Payment as XX/XX/XXXX, no Date of XXXX Delinquency, includes under Additional Information Account Paid for Less than full balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency reflect XXXX XXXX..which was ordered by court to dismiss and remove off credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have appeared on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681 ( Section 602 ), I am entitled to protection against any unauthorized use of my personal information, including inquiries into my credit report without my explicit permission. 
The following inquiries were made without my consent and needs to be removed 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
Product: Credit reporting

This company reinserted previously deleted information from my file that is a identity theft account from XXXX XXXX XXXX that is a credit card that I did n't open. They are breaking FCRA laws by doing this and I suggest the CFPB take legal action agianst this company they are trying to just make money. I 've been a victim of identity theft and they are not worried about that at all. I would like this account blocked permanently from my file as I included it in my FTC fraud identity theft affidavit that shows this account listed which i have attached with this complaint
Product: Credit card

To the Consumer Financial Protection Bureau : I am writing to file a complaint against American Express for failing to honor the welcome offer for a credit card I opened on XX/XX/XXXX. 

The specific offer I was promised was the welcome offer of XXXX membership points after spending {$3000.00} in the first 6 months of card membership ( account opening ). I met all the requirements of the offer by spending more than {$5000.00} in the first 3 months. However, I have not received the promised bonus points/travel credit/etc. 

I have contacted American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try to resolve this issue, but they have not been helpful. I also spent time on the phone calls to contact American Express customer service for resolution but nothing was done to make things better. I have attached copies of my communication with American Express as documentation. 

I believe I am owed XXXX XXXX XXXX XXXX ( or {$600.00} when valued at XXXX XXXX  per point ) in compensation for the unfulfilled offer. 

Thank you for your time and attention to this matter. 

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

There are late payments for account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I had some issues with my income being affected by the XXXX PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Ally Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only Transunion reporting all accounts. XXXX not reporting correctly. Almost 40 points difference from other bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email advertisement from Discover offering a credit card application which would not affect my credit score. I applied and initially received an approval response, however before the card even arrived they changed their decision and closed the account. I believe this to be dishonest. Now I have an inquiry and a new account on my credit report which negatively affects my credit score. I wrote a letter to Discover asking them to remove the inquiry and the account from my credit report as they acted in bad faith. I have also disputed the account and the inquiry with the XXXX, XXXX and XXXX. So far only XXXX has responded advising that they will not remove the account. This is horribly wrong and I am reaching out to ask for assistance and to ask that companies not be allowed to do this to others.
Product: Credit reporting or other personal consumer reports

# XXXX These accounts should not be furnished on my consumer report as they are in XXXXXXXX Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 




# XXXX 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action
Product: Credit card or prepaid card

I would like to file a complaint against American Express. On XX/XX/XXXX I made a purchase of {$500.00} and immediately after that I  received an email stating that my credit limit had been lowered to {$51000.00}. My credit limit before the decrease was {$10000.00}. At the time I only owed them about {$3000.00}. I immediately called american express to find out why this was done and I was not satisfied with their answer. They tried to tell me it was based on my credit report from XX/XX/XXXX, but this was not true because they sent me an email right after I made this purchase. When I spoke to the customer service representative, he told me if I made a payment of {$1100.00} in the next few days then my credit limit would be restored. I sent them the {$1100.00} and my credit limit was restored to {$10000.00} in a few days. I should not have been forced to make an additional payment in order for my credit limit to be restored. I had just made payment to them. This same situation happened to me with another american express card that I had. In XX/XX/XXXX, I made a charge of {$10000.00}. On this card I had a credit limit of {$17000.00}. Then in XX/XX/XXXX when I got my statement they lowered my limit to {$12000.00}. They had sent me an email stating that they would. I always pay my bills on time and never have been late or gone over my credit limit, but without any warning AMEX just lowered my credit limit. I have had credit cards for over 30 years and this has never happen to me with any other credit card company. Is this a normal practice for credit card company to do this? When a company lowers your credit limit this affect your credit score because it raises your utilization rate of your credit cards. I am in the process and paying off both of these cards and closing out these accounts. I also have another card with american express. Which is the gold card. I will be closing this one out also. I will not do business with a company that treats their customers unfair. On the gold card I pay an annul fee on the other two I do not,  but I know every time I use my cards american express gets paid because the merchants pay a fee. I just wanted to make the CFPB aware of this unfair practice and see if there is anything legally you can do to stop this unfair practice.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and i noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account im asking you to verify is accurate : XXXX XXXX XXXX, Account number XXXX Open XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigale my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I am filing a compliant with the CFPB regarding Capital One 's failure to deposit my fund coming from a vendor. Capital One has cited technical issue which may be in violation of the EFTA as it requires timely access to funds. This matter raises concerns over compliance with consumer protection laws and I request assistance from the CPFB to complete a full investigation of this situation to ensure my rights have not been violated. Please accept my appreciate in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whomever it may concern, XXXX was notified that XXXX XXXX  made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

XXXX has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that XXXX has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as XXXX 's inaccurate reporting.
Product: Checking or savings account

I have repeatedly over the last year contacted Bank of America telling them I have NEVER set foot in a BoA. I don't know how or who opened an account in my name but after repeated attempts it would seem they have once again opened an account in my name. Can you PLEASE set them straight? I fear my identity is being misused, and they aren't doing anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my address updated several times but credit bureaus continues to keep reinserting the wrong address on my credit report. The bureaus will make corrections and then put the incorrect address back on my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX
Product: Credit reporting or other personal consumer reports

incorrect information reporting on my credit report please review and correct
Product: Debt collection

Inaccurate account on my credit report, XXXX  XXXX XXXX has canceled debt reported as debt, no 1099C received, violating 15 USC 1681eb. Delete XXXX XXXX  account now. Vital for my well-being and livelihood, ensure accurate credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a MASSIVE SECURITY BREACH of sensitive information that has effected 1/4 million accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is indeed a Violation of Title 15 USC 1681k. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financials loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I have three late payments that I was never late on. After I received my consumer repot Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : CCB/ZALES, account number : XXXX Please investigate and provide proof with statements showing that these payments were late. If can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks,
Product: Debt collection

I had a Discover card that has not had any activity before XX/XX/XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XX/XX/XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.
Product: Credit reporting or other personal consumer reports

I just turned XXXX and I want the XXXX XXXX XXXX XXXX XXXX Ive done my research and its the best card for beginners and I love the benefits that I read. 
My real first name is XXXX, ( I go by my middle name ) my older sister is named XXXX, When we came into the XXXX we got the exact same social security number except just XXXX digit is different, for example : I could be XXXX, she could be XXXX, very similar but XXXX number is different. XXXX keeps denying me for not being able to prove my identity and thats when I realized Experian thinks Im XXXX. I call every single day, I try to dispute and nothings works. Each representative tells me, submit your social security number online and it will be fixed I legit did that, I got an email saying my first and last name was fixed, when I clicked on it it told me could not find you I was lied to. Experian security is horrible. How can you not tell us apart???? We have completely different middle names, we have different birthdays and were 5 years apart. The fact that even if our social security is almost the same but they cant tell the difference in XXXX number tells me how easy it is to impersonate someone. Experian has not been able to help me what so ever and Im losing my patience. It is not fair to me. I am my own person and I need my personal information fixed now.