23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time TransUnion emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.
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  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 an 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 card or prepaid card

XX/XX/XXXX - Applied online ONCE for Barclay Card/XXXX XXXX XXXX card ; immediate approval shown online for {$20000.00} Limit ; there was no time out or multiple submission XX/XX/XXXX - SIX separate mailings arrived with SIX separate card numbers and welcome packets XX/XX/XXXX - Two calls to Barclay ; both associates stated they had never seen this situation, authorization to speak with my wife ; left vmail with reference number XX/XX/XXXX - Called Barclay back ; numerous associates could not assist initially with issue ; explained primary concern is that this will impact Credit Bureau Reporting and requesting in writing the resolution - one unhelpful associate even said they do n't report to Credit Bureau and I had to say that could not be accurate. Finally another associate stated all other cards were closed except the one card ending in XXXX ; made one purchase online to satisfy promotional requirement of one purchase to obtain the XXXX XXXX XXXX miles promotion XX/XX/XXXX - Received SIX welcome emails between XXXX and XXXX ; the FIVE other cards could not have been closed. 

Attached : picture of all SIX welcome packets and cards as well as screen shots of the SIX welcome emails ( two days after told other FIVE cards were closed )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, In XX/XX/2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " MrXXXX XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in May to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX 's actions, agreed to close the account, and to contact Trans Union, XXXX, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the XXXX bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX Bank addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a college professor who supports three children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

I found inconsistencies in my credit report, including late payments that don't reflect my record. Please address and update this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection should never show as a open account, on a credit report and should never have a past due balance as you can see on pages 5,6,7,8 of my Experian credit report XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX has these errors. In Experian last investigation and their reinvestigation, they never corrected these errors that were clearly, on my credit report as you can see in the attachments. everything on a credit report must be 100 % accurate if not it must be deleted. 
By Law 15 USC 1681s-2 Responsibilities of furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( a ) Reporting information with actual knowledge of errors, A person shall not furnish any information. Relating to a 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

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiryXXXX XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on 7/21/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

I am behind on a single payment ( <30 days ) which I have discussed with the company and made a promise to pay because I have been having an issue with money recently. They have made multiple calls to me from the number ( XXXX ) XXXX. As of today, XX/XX/2023, Comenity Bank has called me a total of 12 times. Exceeding the 7-in-7 rule set forth by the FDCPA. The first set of four ( 4 ) calls being at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Then the second set of four ( 4 ) calls came, at this point equaling out to eight ( 8 ) calls, I returned their call again to explain to them that I will pay and to explain that they have thus violated the 7-in-7 rule by continued calls after speaking with me about this particular debt. The rep I spoke to first said she would update my status to prevent further calls from them to me. Two hours after that phone conversation Comenity proceeds to call me another four ( 4 ) times in which I made another call to them trying to explain what happened the supervisor I spoke with, despite being rude, he tried to explain that " Sir we did NOT try to call you 12 times today I can assure you. '' I proceeded to explain that I have the call logs to prove that they did. He then had me send them the record of the call logs and I attempted to do just that but they rejected it and would not allow my message to go through.
Product: Credit card

Please see the attached documents. I request the bureau to begin an investigation into these accounts, which I have never been late in paying, but are incorrectly reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX Creditor : XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This account is fraudulent account, I don't recognize this account.
Product: Payday loan

I have had a loan with TX EZ Money for several months now and as of XXXX XXXX, 2015 I was informed that they were going out of business and my account would no longer be accruing interest I would just be responsible for the principal. 
Today I called in to make a payment as scheduled and I was informed by XXXX, an employee, that she was going to refer me to another payday lender so I could apply for another loan to have my loan with TX EZ Money paid in full. 
I told her I was not interested in applying for another loan with another lender and that I would continue to pay my loan on my regularly scheduled day. 
After 45 minutes I received a call from XXXX XXXX payday loan asking me to go in and fill out paperwork and take all the required documents to apply for a new loan. I do not believe that this is a fair practice. I am no way obligated to try and get another payday loan from anyone and they shared my information with others without my permission.
Product: Checking or savings account

On XX/XX/XXXX, I received an email about my fraudulent alert of my card being used to withdraw money from an ATM while at work. As I am calling Chase customer service, I see that there was another ATM WITHDRAWAL transaction for {$400.00}. And then also another ATM WITHDRAWAL for {$1000.00}. I call and make the claim with Chase. I told them I have the card with me, the agent mentions that theyve had this problem before where a hacker can duplicate your card and use it as a normal card. I was so confused but she reassured me everything would be okay and I would be credit for everything while the investigation is going on. Fast forward to XX/XX/XXXX I get two letters in the mail. One stating I received credit for the amount of {$1400.00}, on the same day there was another letter form chase stating {$400.00} will be removed from my account on XX/XX/XXXX because my claim was denied it did not say why or give an explanation. Today XX/XX/XXXX I call chase and was on hold for a long time to speak with the specialist/ supervisor. Practically told me theres nothing I can do, their decision is final. I explained to her I was at work all day in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She was insinuating I was the one who made the transaction and she said the transactions were made in XXXX XXXX  to try and recover my funds outside of chase in my own. HOW! what do I do I ask her she said nothing with us. So now tell me how am I at work all day in XXXX XXXX and make a withdrawal in XXXX XXXXXXXX, and yet made a call from work to chase to file this fraud right away when it happened? I also try to let her know what the first claim agent told me about the hackers and she try to cover it up and say that it was misinformation. That it was denied because my physical card was used but how if I had it with me while I was at work and even had with me when I was making the call at my job to report the transactions I used my physical card to provide the agent with information only found on my card like the card number! So for now theyre saying Im out {$400.00} and soon Ill be out also {$1000.00} because she said itll be treated the same way but still pending. I need help, I have bills to pay, people to feed. How can a financial institution like Chase treat their customers like this. I also filed a police report of the accident the same week! 
Terrible bank i should have not moved banks! This kind of fraud has happened to many people I work with and its always only with chase!
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that 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 information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive frequently checked my credit report and noticed that the errors and false misleading information for individual accounts dont quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.
Product: Prepaid card

I received a virtual American Express gift card from XXXX XXXX. Eveytime I try to use the gift card it declines even though I have sufficient funds. I called the company and they said it's probably because of the merchant. I asked for them to tell me where I can use the card and they couldn't tell me. I tried to use the card in stores and the card declines. The customer representative line is no help and they say the same thing every time. I feel like this is a scam and many people are having the same issue.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear JPMCB Card Services, I am writing to address a concerning matter regarding an inquiry reported by JPMCB Card Services, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX and XXXX, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided XXXX written consent for JPMCB Card Services to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA XXXX XXXX, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying JPMCB Card Services to remove this inquiry from my file within XXXX business days. 

Furthermore, it has come to my attention that JPMCB Card Services neglected to inform me of my right to rescission, as outlined in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, specifically Regulation Z ( XXXX XXXX XXXX ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the XXXX number associated with the security interest provided to JPMCB Card Services. Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX