23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that I had a late payment on an account that I was never late for 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 : XXXX. Account XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Product: Credit card

XX/XX/year> XXXX XXXX I visited and was ready to check out at Macy 's in the XXXX XXXX XXXX. My cashier lady does not speak English and has a hard time understanding my simple questions. She said that she can offer me a discount of 20 % off " for today and tomorrow '' and asked me if I had a Macy card. I said, " I don't have the membership card '' ( original sentences ), she said it was free so I could get one for 20 % off, and she also mentioned it only needed my address and ID. I said Ok, and then we started the process. I was so confused when the questionnaire started to ask for the SSN, so I asked, " Is this the membership card? I just want to make sure this is the membership card that I am doing '' ( original sentences ) and the lady said " Yes, it is the membership card '' ( original sentences ). After I successfully applied. She said " no pay '' " no pay '' and said they would send statements to me, but then I realized it was a credit card even though she never mentioned the word " Credit Card '' or " we will run your credit '' or " credit ''. Nothing at all. I was very surprised and she said I can cancel it anytime, without letting me know any policy or rights, and without telling me the story about credit scores. So without my knowledge, she ran my credit scores and opened a credit card for me. No one onsite helped me correctly, they just wanted me to leave. They also told me the wrong info that I can let it automatically shut off if the account is inactivated for 6 months, but the info was totally wrong. Their customer services were not helpful too, they could not do anything to prevent my loss due to their mistakes. So many people on XXXX  and anywhere had same tragedy of getting new credit cards without being informed, this is definitely not legal. Really appreciate your time and your help!
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 rights to privacy and confidentiality under 15 USC 1681. 

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, 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion is saying I have had 3 addresses. I have ONLY ever had XXXX XXXX XXXX, XXXX PA XXXX I am going to contact the post office right now too! 
Address Date Reported XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX
Product: Credit card

APROXIMATELY XX/XX/2023, I WAS OFFERED A PAYMENT PLAN VIA CUSTOMER SERVICE ON THE PHONE. PAYMENT STARTED ON THE XXXX AND CONTINUED ON FOR THE NEXT XXXX  MONTHS. THE FIRST PAYMENT WAS AROUND {$76.00}, I XXXX AN INITIAL PAYMENT OF {$100.00} ON XX/XX/2023, WITH MY BANK CARD VIA ONLINE CUSTOMER SERVICE.THE PAYMENT DID NOT PROCESS UNTIL THE NEXT DAY AND THE PAYMENT PLAN WAS CANCELLED. I HAVE CALLED AVANT SEVERAL TIMES OVER THE PAST XXXX  MONTHS AND NOTHING HAS BEEN DONE. THEY HAVE ESCALATED THE SITUTION OVER 3 TIMES AND ULTIMATELY, THEY ENDED UP CLOSING THE TICKET EACH TIME, GIVING ME EXCUSE AFTER EXCUSE. THE REASON GIVEN THAT THE PAYMENT PLAN WAS CANCELLED WAS DUE TO THE DIFFERENT TIME ZONES, BUT THE CUSTOMER SERVICE XXXX HAVE KNEW THIS, AND SHOULD HAVE SET THE ARRANGEMENT FOR THE FOLLOWING DAY.
Product: Debt collection

Report Number : XXXX Date Generated : XXXX XXXX Credit Company : LVNV Funding LLC Even after disputing and having this deleted account removed from my credit report according to the Fair Credit Reporting Act ( FCRA ) regulations, it can still impact my credit score if it reappears. This recurrence might result from creditors or credit bureaus failing to comply with FCRA guidelines, such as verifying the accuracy of the information. Despite efforts to rectify inaccuracies, the reappearance of a deleted account can continue to affect my creditworthiness, highlighting the importance of vigilant monitoring and enforcement of FCRA provisions to ensure fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Product: Credit card or prepaid card

AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I mislead to applied for the XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. 

AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX {$11000.00} XX/XX/XXXX
Product: Credit card

XX/XX/XXXX transferred the balance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to Chase Freedom card. 
On XX/XX/XXXX received a statement from Chase stating the balance transfer was successful. ( STatement enclosed ) On XX/XX/XXXX was notified by XXXXXXXX XXXX that I had missed 2 payments. they did not receive any funds from Chase Bank. Called Chase and the error was recognized, they sent the check to XXXXXXXX XXXX. 
On XX/XX/XXXX I was told that XXXX XXXX was holding on to check for some unknown reason and Chase was working on it. 
In the meantime, I am being reported as missing the 2 payments and nothing it getting resolved on this issue that is not my fault but I am the person being penalized. 
I have a mortgage application that presently is in denial because of this issue. I had stellar credit number until this time
Product: Debt collection

Been calling customer billing department keep putting me on hold as if stalling asked to send me a verification of debt letter, asked several times to send proof of debt they kept hanging up on me needed original contract, asked for wet signature, never responded, very nasty with me on phone
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the Accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U. S. C. 1681 section 602 A . States I have the right to privacy.

15 U. S. C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on numerous occasions for their company to legally Verify inaccurate information on my credit report. I have requested numerous times for them to send me any original Documents or Contracts with my Signature on them legally binding me to the frivolous Charge-offs, Derogatory, Collection accounts that they are reporting. I have not received any original documents stating such. I want to see those original documents. 

Their response to verifying my accounts was a method of a Data Furnisher, Third party companies
Product: Debt collection

I received numerous of letters from law firms stating that a lawsuit was filed against me. I proceeded to look up my name on open records and it showed I was being sued. I never received any validation of this debt by the company. So, on XX/XX/XXXX I sent a certified letter to the company asking for validation. I have yet to hear from them as of yet. 

The company has filed a lawsuit on XX/XX/year>, in the amount of {$1300.00}
Product: Checking or savings account

Im a new banker at Bank of America I went in to deposit money into my account and I experienced race discrimination it was two lines one for business and one for personal it was no teller at the personal line so I went in the business line I was called to the window and the teller happen to be a XXXX woman Im a XXXX XXXX woman she says to me this is a business line personal is over there I said so you cant help me?? She says this is for business only so I was fine with that but as Im walking away she call the next customer which happen to be a XXXX  male that has a personal account just like me and she helped him with no problem I then asked for the manager I was pointed to her and approached her about my experience she didnt apologize or anything the manager said the bank teller helped the male that was behind me with the same account that I had the rules should apply to everyone I had to go out the line after waiting 20 to 25 minutes with 4 people in front of me which mean more time waiting the manager co signed on a employee XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I discovered a fraudulent debt on my credit report in XX/XX/2015. At the time I was told by another debt collection agency that the account would be canceled and sent back to XXXX XXXX. Now, AFNI has received the XXXX assignment again and they have illegaly credit reported this to my credit reports. I am in the middle of financing a home and this is causing me significant damages if it does not get resolved IMMEDIATELY. I have a police report and fraud affadavit that has this account listed as a fraudulently opened account and demand this item be removed from my credit report. Should I suffer any damages from AFNI 's willfull negligence in credit reporting this I will hold them liable for everything I will lose including my earnest money deposit and less than prime financing terms that they are going to be causing me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CPFBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving its users vulnerable to scams
Product: Student loan

I am on the Income Driven Repayment program for all my student loans. I have one currently with MOHELA and my other six were transferred to MOHELA from XXXX. With the transfer, I have two account numbers. My original loan with MOHELA, is all messed up. They have indicated I didnt resubmit my income verification for the Income Driven Repayment plan. According to Studentaid.gov, my certification date isnt until XX/XX/XXXX. 

Then they rejected my application and stated I didnt qualify. My student loan load is XXXX XXXX of my annual income. My payment was recalculated and increased. The reason was because I didnt recertify my plan. I have sent two emails and have sat on hold on numerous calls. Tonight has been over 3 hours. 

I have been paying on this loan since XX/XX/XXXX. It is a consolidation loan of student loans. MOHELA has it labeled as a commercial loan. I have paid interest and interest has continued to accrue during the forbearance for the pandemic.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally request the removal of fraudulent inquiries from my credit reports. I ask that the three credit bureaus conduct a removal procedure as mandated by law. Below is a list of the fraudulent inquiries that need to be addressed : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXX credit card is a business credit card which is included in company 's XXXX XXXX. The account holder is XXXX XXXX by XXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX XXXX collection attempts from XXXX XXXX XXXX accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report immediately.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am now opting out of any and all authorization, I the consumer did not give XXXX, Experian, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, nor XXXX XXXX XXXX  my written unwritten verbal and nonverbal consent to furnish my information per 12 CFR 1016.7 ( h ) 15 U.S. Code 6802 ( a ) ( 1 ) ( B ) 15 U.S. Code 1681 ( b ). 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. I want all charge offs deleted for being certificates of indebtedness and late payments removed for being transactions per the Privacy Act of XXXX 5 U.S. Code 552 ( a ). I also want all hard inquiries removed, all phone numbers deleted besides ( XXXX ) XXXX due to inaccuracies, have all addresses removed for being a non-mailable address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, and student loans removed per 34 CFR 99.31 and The Famiy Educational Rights and Privacy Act 20 U.S. Code 1232 ( g ) because my written consent was not given in order for you to release my information. I expect compliance per 15 U.S. Code 6805 - Enforcement
Product: Credit reporting or other personal consumer reports

This is to express my deep dissatisfaction with the inefficiency and lack of effectiveness in addressing the presence of fraudulent items. Despite numerous attempts on my part to remove these items, I have encountered significant delays and obstacles, which are unacceptable given the severity of the issue. 

As a responsible user, I have invested considerable time and effort in flagging these fraudulent items, expecting a swift and decisive response from your team. 

I demand immediate and expedited action to remove all fraudulent items from my credit file. This includes implementing more robust measures to prevent their reoccurrence in the future. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent its recurrence. 

Furthermore, I urge you to review your current procedures for handling reports of fraudulent activity and streamline the process to ensure that such matters are dealt with promptly and effectively. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX  XXXX XXXX, yet XXXX  XXXX XXXX is not removing this fraudulent account. XXXX  XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3100.00}XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.
Product: Checking or savings account

After reviewing my EWS report I notice a XXXX account I am not familiar with. I notice a XXXX account that I do not have access to. Please find attached the letter of me sending to EWS requesting validation in which I did not receive it.
Product: Credit reporting

My credit report company refuses to get rid of the dispute on my credit. I told them im not disputing my car and i wrote to XXXX exquifax and XXXX and requested that they take it off. XXXX also telling them to take it off as well. They told me they wont re investigate and that information is correct and that they wo n't take it off my credit. I sent them letter and told them countless time to remove it. The person im dealing with has pulled my report. Several times and my score has dropped alot and i have a baby comming and i ca n't stay in this condition. I live in a hotel room paying XXXX a week and i 'm feeling really fustrated right now
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by XXXX. 

This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 

This is not my account and the creditor agreed to delete it.