23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I WAS LOOKING AT MY FREE ANNUAL CREDIT REPORT, AND I MADE SOME DISPUTES, AND WHILE LOOKING, I GOT LOGGED OUT -- DELIBERATELY THIS SCUM. I HAVE A RIGHT TO ONE FREE ANNUAL CREDIT REPORT, AND HOW DARE THEY PULL THE NONSENSE. I SAW PROBLEMS, AND DISPUTED, AND THEY KNOW KNOW KNOW KNOW THEY ARE MAKING HUGE MISTAKES, BREAKING THE LAW, SO THEY WANT TO LOCK PEOPLE OUT. 
I FOLLOWED THEIR ONLINE INFORMATION TO " CONTINUE VIEWING YOUR CREDIT REPORT '' HOWEVER, IT WILL NOT LET YOU -- GET TO THE LAST PAGE, THEY WANT 1 ) MONEY 2 ) MAKE YOU JUMP HOOPS BY NOW HAVING TO WAIT FOR THE MAIL. LOOK, I SAW IT ONLINE, I AM UTTERLY BLOWN AWAY THESE XXXX HAVE THE NERVE TO LOG YOU OUT AND MAKE IT A XXXX BECAUSE YOU FIND MISTAKES. 
I WAS NOT FINISHED. 
THESE COMPANIES LEADIGN WITH XXXX ENGAGE IN SO MUCH LAW-BREAKING ACTIVITY AND SO LITTLE IS DONE. IT 'S HIGH TIME CONGRESS CHANGE EVERYTHING AND START HOLDING THESE XXXX, EXPERIAN AND XXXX ACCOUNTABLE. 
ALL THEY WANT TO DO IS FORCE YOU TO BUY THEIR " PRODUCT '' THEN THEY WILL FOLLOW THE LAW. 
THAT IS EXTORTION. 
EXTORTION IS ILLEGAL. 
I WANT MY CREDIT REPORTS. IT HAS BEEN A YEAR AND ONE MONTH.
Product: Credit reporting or other personal consumer reports

This account was open by mother I was trying to get under her account when I was XXXX XXXX I was denied now its in my credit I never had a Bank of America account
Product: Credit card

the card that I have gives a {$250.00} air travel credit each year : {$250.00} XXXX XXXX XXXX XXXX made by the Primary cardmember and Authorized Users on the Card Account are eligible for this statement credit. Please allow 1-2 billing cycles after the qualifying incidental air travel fee is charged to your Card Account for statement credit ( s ) to be posted to the account. This statement credit is an annual benefit available for purchases appearing on your billing statements from XXXX through the following XXXX. Pending transactions that do not post in your XXXX billing cycle will count towards the next year 's XXXX XXXX XXXX. 

although i have made purchases in XXXX when I get my card, I was told when I inquire why on my statement it shows that my credit for the 2016 year is {$0.00}, I was told that was my XXXX billing statement and therefore ineligible. As if i person can have a billing cycle start XXXX XXXX, it is deceptive to not tell customer when they apply for the card. It is confusing that XXXX billing cycle can have virtually no dates in XXXX. I would not got this particular card otherwise if I have knew
Product: Debt collection

I have an unverified account from XXXX XXXX XXXX XXXX. I have previously disputed this account. I have never done business with Portfolio Recover y Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX XXXX has reported a  collection on 2 credit reporting agencies on XX/XX/XXXX. I sent registered letters to XXXX XXXX XXXX XXXX   requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. 

Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/XXXX outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. 

I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) of XXXX fl said we was gon na meet up at a local plaza because I was buying an item from him. I contacted him today ( XXXX ) to tell him if we can meet up right now & Ill give him money he proceed to say send him the {$200.00} through XXXX  for the item so I did & then he blocked me. I have contacted chase & XXXX  & they refuse to do anything or even dispute it.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus Stated That my account That I sent to them was properly Investigated But That cant be possible if the open date is inaccurate, the date of last activity is inaccurate and also the date that's last reported is also inaccurate. This is extremely In Ground For removal they also Violated My Rights under 15U.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 instruction
Product: Credit reporting or other personal consumer reports

United auto credit charged off my account. They reported XXXX different balances to the credit bureau. Also my account was sold to them by XXXX without my knowledge. Under the FCRA this inaccurate information grounds for a removal of the account. I also emailed them and asked for 1099c that I have not gotten an email or call back regarding
Product: Mortgage

XXXX years after I sold my house and closed the mortgage ( XXXX ). Wells Fargo sent me a check for {$1000.00}. I believe there was mishandling of my mortgage. Is there a class action lawsuit? I strongly believe I was a victim.
Product: Checking or savings account

I just got off the phone with Chase Bank and I am both furious and worried. I am especially worried about the safety of my money along with others. A synopsis of my phone calls are below. 

XX/XX/XXXX I received a call from Chase Fraud. It is an automated call and states I am to call XXXX. I call and speak to XXXX. She needs to verify my identity. She wants to send a text message. I do not have a phone for text messages. After much to do, she asks me if my phone number ends with XXXX. I say yes. She states she will hang up and call me back. She asks for me to state my entire telephone number. I state XXXX XXXX XXXX. We hang up and she calls me back. She says there is no information at all on why Chase called and left that number. I tell her I think it is related to a transfer I placed online for {$21000.00} to XXXX and give her the transaction number. She states she is with debit card fraud and needs to transfer me to Customer Service. She also gives me the phone number of XXXX XXXX. She transfers me to XXXX in Customer Service. XXXX also wants to verify my identity. She wants the last four of my account number, then the last four of my credit card, then the security code on the back of the credit card. After that information, she states that she can not help me and needs to transfer me to the fraud department. She transfers me to XXXX. XXXX also needs to verify my identity. She asks me security questions similar to credit reporting agencies. They include the make and model of my car, my height, the make and model of a car I do not own, that one confused me because she asked for the color of a XXXX XXXX car, we own a XXXX XXXX truck so I answered red ( the color of our truck before asking for the question to be repeated and stating that we don't have a XXXX XXXX, then the address of a former home. I became suspicious after the 4th question and state I won't answer any more questions, even credit reporting agencies stop at three questions. She states she can not help me if I won't answer any more questions. I ask to be transferred to her supervisor. She transfers me to XXXX. Her title is Supervisor, but no last name. She states she has to verify my identity and since I refused to answer all of XXXX 's questions, she can not help me. It was extremely argumentative discussion with her repeatedly interrupting me. When she finally let me explain my complaint, she said I would need to go into my local branch with 2 forms of identification to verify my identity since I was uncooperative with XXXX.
Product: Checking or savings account

Suntrust closed my account and havent issued me a check yet I keep getting the run around everytime I call they give me no exact date they will send it or give me no time frame
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I have called and sent letters to XXXX and XXXX about the account XXXX XXXX and I have not gotten any resolution
Product: Credit card

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provide me a letter for XXXX, XXXX and Equifax to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, XXXX  and Equifax not updating my credit report and scores.? 
Also for XXXX XXXX  XXXX # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 XXXX XXXX was called in by phone on each month of the XXXX to XXXX XXXX  XXXX and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on XXXX  and Equifax.It needs to be added to XXXX and Equifax immediately. 

I am XXXX, XXXX and a US XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, Equifax and XXXX  have a business partnership with XXXX?
Product: Checking or savings account

Today is XX/XX/year> XXXXAxos bank cancelled my debit card Thursday XXXX XXXX  .due to no fault of my own. I had money deposited yesterday and today and Axos is not allowing me to make a withdrawal or give me a virtual card or tell me the new debit card number and XXXX code from my new card so i can withdrawal my money. Axos suggests me paying {$35.00} for a wire transfer or paying {$50.00} for expedited debit card withdrawal. This is not right and I am being denied access to my deposited money till next Wednesday XX/XX/XXXX when they say the new debit card will arrive. This is ridiculous..
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a fraud claim with Bank of America and they didn't even attempt to investigate my case. They closed it out immediately without reason. It has come to my attention that there is a case open against them with the federal court. I'm also reaching out to the courts for assistance in this class action. I'm also asking for your assistance in this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. 

Equifax- [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I called Capital One Auto to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and XXXX would inform me of the results. On XX/XX/24 I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/24 I paid the balance off to capital one auto finance and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?
Product: Credit reporting or other personal consumer reports

Based on.

15 U.S. Code $ 1681c-2 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 4 business days after the date of recelpt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my reporung 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of notice. I LOOK FORWARD TO YOUR RESPONSE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX **Date : XX/XX/XXXX, XXXX **Experian Consumer Services** po box XXXX XXXX, TX XXXX XXXX : XXXX Request for Address Removal and Correction in Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute and request the immediate removal of an incorrect address and any fraudulent accounts associated with this address from my credit report. The address XXXX XXXX XXXX, XXXX XXXX FL XXXX is NOT mine, and I have never resided at this location. This information is entirely inaccurate, and I demand that it be deleted from my credit report without delay. Any accounts associated with this address should also be removed as they are fraudulent and unknown to me. 

Attached, you will find the following documents to support my request : - **Copy of my Driver 's License** - **Copy of my Social Security Card** - **Proof of residence** at my correct address. 

Please update my credit file to reflect the ONLY accurate and verified address where I have lived : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX This is the ONLY correct and verifiable address for me, and any other address or associated accounts are false and fraudulent. I am requesting that Experian remove the erroneous address XXXX XXXX XXXX, XXXX XXXX FL XXXX, and any related fraudulent accounts immediately. 

Furthermore, please be advised that any willful non-compliance with the Fair Credit Reporting Act ( FCRA ) will be seen as a violation of federal law, including but not limited to : - XXXX XXXX XXXX XXXX XXXX XXXX ** : Requiring credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX  : Mandating that disputed information be reinvestigated and corrected. 
XXXX XXXX XXXX XXXX : Holding data furnishers responsible for the accuracy of the information they report. 

If Experian knowingly continues to maintain or report false information, this will constitute willful non-compliance under XXXX XXXX. XXXX and XXXX XXXX. XXXX, exposing Experian to potential legal action and civil penalties. Any such non-compliance will be used as evidence of Experian 's participation in fraudulent practices under the FCRA and the U.S. Code, and I will take all necessary steps to hold Experian accountable for its actions. 

Please promptly update my credit report to reflect only the accurate information, and confirm in writing that this correction has been made. I expect that any further communication from you regarding this matter will be done in accordance with the provisions of the FCRA, and I will keep detailed records of any future issues. 

Thank you for your immediate attention to this matter. I look forward to your confirmation of this correction. 

Sincerely, XXXX XXXX XXXX XXXX -- - **Enclosures** : - Driver 's License - Social Security Card - Proof of Residence
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Case # XXXX. Update -- I contacted Equifax on XX/XX/2023 for an update. XXXX ( customer representative ) and XXXX ( manager for Equifax ) stated they have nothing from me regarding removing my student loans. I said I uploaded my information online on XX/XX/2023 ( see attached. ) Equifax claimed they had not received my documents and stated they would not remove them. They are shredding my documents and not resolving this on my credit report. This impacts my credit score, so I can not move into my apartment without this information being updated correctly.The issue has been resolved with Department of Education, and Equifax refuses to fix this.
Product: Money transfer, virtual currency, or money service

Claim ID : XXXX Date submitted : XX/XX/2021 Is real evidence fraud is active and ongoing a third has a unauthorized untrusteeship over an estate without proper authority. 
Restore all funds and hereditaments immediately. 
All charges, payments, or fines, for all past, present and future should be restored. 
This account is for the beneficiary of XXXX XXXX XXXX This account is needed to enforce private laws and deploy constitutional assistance around the the united states of America. Notice to agent is notice to principle Selective Service I'd is : XXXX Notice of emergency relief for : egress, regression, right of movement locomotion, peace and happiness! All declined payments or restricted payments causes involuntary servitude, mental anguish, physical HARDSHIP and is evidence of restrictions on divine financial innovative capabilities.

341 hearing is underway and ongoing and a consumer credit class all trustees will take or have neccessary credentials for administering this account and vehicle/Vessal. 
This account should be be pursuant and in likeness to15 U.S. Code 1637 - Open end consumer credit plans.

Any transaction outside of it Should be in likeness of 15 U.S. Code 1638 - Transactions other than under an open end credit plan By : .XXXX  XXXX, :XXXX : and the United States of America . 

This for the care for the extreme care for XXXX XXXX XXXX ( TRUST ) ____________ [ X ] ____________ XXXX. Executor ALL RIGHTS RESERVED
Product: Student loan

I keep paying navient. I even put it on automatic pay and they are always telling me I am late
Product: Debt collection

This dispute is past the expiration date to report to credit agencies. Monterey Collection keeps extending the expiration date which should be against the law. They exercise illegal practices and ruining credit unlawfully is one of them. 

On XX/XX/2014 Purchased an airbrush from XXXX for {$350.00} on a trial basis. 
Sometime after that, I found an identical item online for {$30.00} and purchased it. 
On XX/XX/2014 I emailed XXXX  to cancel the trial purchase. 
On XX/XX/2014 XXXX emailed me to agree to take the item back. 
On XX/XX/2014 XXXX  emailed me to inform me that the trial purchase time ended on XX/XX/2014. 
On XX/XX/2014 I emailed XXXX to remind them I contacted them prior to XX/XX/2014 to cancel the purchase. 

Monterey Collections, acting on behalf of XXXX, has ruined my credit by extending the years allowed to report a debt issue. 
To date, seven years later, they are still ruining my credit over this dispute. I want them to remove the negative credit report since it has been seven years and I still maintain that I canceled the purchase and wanted to return the item which is in the original package.