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

On XX/XX/2019, Experian added a derogatory remark ( XXXX XXXX XXXX ) on my credit report. Upon, further research, this account was transferred/sold and Im no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA ( XXXX XXXX XXXX ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I would like to file a complaint against Affirm. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning.

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credit card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ).

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems Reference ID is XXXX XXXX XXXX Chex Systems is illegally reporting business data on my Personal Chex Systems to support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Louisiana. 
XXXX ) I, XXXX XXXX, have not written any Checks for XXXX XXXX Bank in over 24 Months after discovering that XXXXXXXX XXXX XXXX had illegally allowed XXXX White Women XXXX XXXX XXXX and XXXX XXXX to write checks and to transact business on my business accounts as though they were the owners of my XXXX Owned Business. I am the sole and only legal owner of XXXX XXXX XXXX. I reported to the bank that I suspected XXXX XXXX XXXX pretending to be me, and my business had committed Fraud using my business account XXXX and that the bank had allowed additional accounts to be opened illegally as belonging to me XXXX XXXX. 
XXXX ) I reported that thousands of dollars were missing in my business account XXXX, and I requested a full audit from Branch Manager XXXX XXXX on XX/XX/XXXX - See attached XX/XX/XXXX. Multiple requests were made by email and by phone to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX From XX/XX/XXXX I requested that all Auto Drafts be cancelled, and I requested that the account be closed XX/XX/XXXX and stopped all known merchant drafts. 
XXXX ) Despite several requests from XX/XX/XXXX to today I have not received any notations of a Closed account, or monthly statements from XXXX XXXX XXXX, nor have I received any reports from the Audit I legally requested prior to closing my accounts. 

Please immediately have Chex Systems Remove the False notation from my report from XXXX XXXXXXXX XXXX being fraudulently reported as a Personal Transaction by me XXXX XXXX. I have not done these transactions, nor have I written any Checks that had an NSF that related business drafts are not related to my activity and should not be reflected on my Personal Report. Please investigate all banking transactions at XXXX XXXX XXXX transacted as XXXX XXXX and XXXX XXXX XXXX. I did not receive Monthly Statements, Wire Confirmations, and any information regarding the false data being reported to Chex Systems as of XX/XX/XXXX as mine. These are not and can not be my banking transactions. These transactions should not be on my personal reports. An update must be sent by Chex Systems to all banking authorities requesting my banking details. 

See Supporting Documents attached. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section2 it also states a consumer reporting agency can not furnish an account without my written consent. 

In accordance with the fair credit reporting act XXXX account XXXX XXXX  XXXX has violated my rights 15 U.S.C.1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has violated regulations by providing misleading and false information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has not supported documentation or responded to my complaint of them falling to abide by the FCRA Laws. I filed a complaint on XX/XX/2023 it has been more then 30 days and per they must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

Under FCRA 15 U.S Code 16812-2 ( 3 ) you violated the law. I disputed these inaccurate items over 35days ago and you haven't notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed 15 U.U Code 1692e. False or misleading representation- ( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed Rewove these accounts ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX, Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Home depot / Citibank credit card issued by Home Depot in XXXX XXXX Ohio, XXXX. Bought a new home and decided to have Home Depot install new floors. Decided to get and use the Home depot credit card and use it to pay for the floors. After the floors were installed and all problems were resolved paid the account off, {$10000.00} ) paid in cash ) .Ordered floor in XXXX, job still wasn't complete. We had to move on XX/XX/XXXX. Baseboard and grout work was still not done. Job was finally finished two weeks later and we signed off so the charges were started. Received the bill XX/XX/XXXX with a late charge on bill. Bill was due XXXX XXXX. Paid entire amount off {$10000.00}. Received a new bill XX/XX/XXXX stating we owed {$58.00}. Called Citibank and made a complaint about the bill arriving after it was due and the fact we couldn't know of the payment date until we received the 1st bill and that we had paid the entire amount off. The person at Citibank said they saw the error and that we owed nothing and they would fix the problem. I thought is was over. Received a new bill XX/XX/XXXX stating that I owed {$58.00} again, one {$28.00} late fee and a {$30.00} late fee for not paying the 1st late fee. I owed them XXXX. The account was to have been closed.I called Citibank and talked to a supervisor named XXXX and explained the situation. She pulled up the notes and said that she saw the problem and we owed nothing and she would resolve the problem. Today XX/XX/XXXX, I received a phone call stating that my account was overdue. Again I called and again I talked to the same lady and again she said I owed nothing and that she would fix the problem. But as you can tell I don't believe her. My credit score is over 800 and I would like to keep that way. I would like to close the account permanently, but my friend did that and it messed with his credit score. I am also worried that if I just don't use the card again, they might close the account and it show up on my credit score as an unpaid account. Whatever you can do to help me with my situation would be greatly appreciated. Thank you
Product: Credit card or prepaid card

In XXXX and XXXX XXXX we were charged with over {$5000.00} for items from XXXX we did not purchase. We called XXXX and gave them the order numbers supplied by Bank of AmericaXXXX XXXX Credit Card. XXXX had no record of us purchasing these items plus we have never used the BOA credit card for XXXX purchases. We have a XXXX bank credit card for XXXX purchases. 

We filed a complaint with BOA and they absolved us of the charges in a letter dated XXXX XXXX XXXX But then on XXXX XXXX, XXXX BOA sent us letters and put the charges back on our account, We then reopened the fraud claim and they have denied it. We requested proof that the purchases were delivered. BOA refused, We don't not what else to do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX. 



I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with 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

I submitted an application to lease an apartment. The credit check Rental Report lists in the column with information from EXPERIAN, the address of my ex-husband XXXX an address where I have NEVER lived! EXPERIAN does n't have any way for me to dispute to REMOVE this incorrect information on their website or by their automated phone system. PLEASE GET THIS INCORRECT INFORMATION REMOVED FROM MY FILE AND THE RENTAL REPORT updated. Thank-you.
Product: Credit reporting or other personal consumer reports

Banco Popular De Puerto Rico account for a car loan on XX/XX/year> for the amount of {$15000.00} and balance of {$4200.00} in collections. I called the company informed them and the police it was identity theft made a report and contacted the collectors still calling to collect no information is provided to me except for the phone number of the bank and the account number no other information is provided to me
Product: Debt collection

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

on XXXX I submitted an online request to redeem rewards {$210.00} to personal checking account. the online system stated " Congratulations! Your rewards have been redeemed to your account. '' No other information provided. No delay or timeframe stated. 

I checked again XXXX, but same result. {$210.00} not credited to account. 

This appears to be yet another exampe of well fargo systems not accurately disclosing facts and details of results ( I have submitted many internal reports to wells fargo of system problems, glitches, and misrepresentations ). 

I called rewards department and they immediately disclosed that online redeeming can take 5 to 7 days ( business days? ) I requested several details including a ) why system shows as processed on the rewards site and available ( very opposite of what rep told me ), b ) why delayed, why not automated, why not staffed properly? 

As usual I received no useful answers to any of my questions. I explained I was filing a complaint and they offered to transfer me to file a complain, but that transfer simply took me back to the same queue ( which happens most of the time ). 

I find wells fargo lack of attention to detail and having their online systems glitch and totally misrepresent what I am told on the phone, unacceptable. They need to seriously hire a competent group to go through the website and these types of complaints and investigate glitches and disclosures and correct. It is concerning a bank can get so much wrong on the their systems. 

Another example is online balance tranfser request for new credit card. I was misinformed via phone I could initiate balance transfer while new card was in transit ( in XXXX ). when system would not allow and they could not due via phone, I escalated. Supervisor informed me it is NOT possible until card received, and rep totally mis-informed me. In XXXX, i did to 1 balance transfer online, but several follow-up attempts to do another transfer failed over the next week. Phone support couldn't explain why system locked out online balance transfers even days after earlier transfer was processed. I filed wells fargo complaint via phone, and system finally unlocked days later, but follow-up on details could not be explained by Wells Fargo XXXX I have the impression Wells Fargo doesn't follow-up or track these system problems due to lack of information I could obtain on the types of problems with follow-ups days and weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX XXXX and XXXX which is XXXX XXXX XXXX XXXX  XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX  XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Checking or savings account

On Thursday, XX/XX/2023, at approximately XXXX pm I deposited {$300.00} in cash in my checking account at a Citizens Bank ATM. The ATM was located at a Citizens Bank branch. The branch had just closed for the day. The machine did not give me credit for my deposit. Instead it gave me a receipt which stated, " We encountered a problem returning your cash. '' " Please contact your financial institution. '' I immediately called Citizen 's Bank, spoke to a representative who informed that I had to file a claim to have my {$300.00} in cash returned to me. I filed a claim with her at that time and asked her when the matter would be investigated and resolved. She did not have an answer and told me I would be receiving some information about my deposit in the mail. She did not know when I would receive that information. I was given a claim #. 
The next day I visited the branch, when it was open, and inquired about my claim. I met with a bank representative, who told me he would try to expedite my claim and that there was nothing more he could do. To date, I haven't received any information about my deposit, by any means of communication.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that its some illegally reporting inaccurate information about me. The following is listed as a collection with PAST DUE balance of : {$240000.00}. 
XXXX XXXX XXXX Acct # XXXX {$110000.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX XXXX  XXXX This a violation of the FCRA and is also in in violation of requisite XXXX XXXX Compliance reporting standards. Accordingnto the Fair Credit Reporting Act I have the right to a fair and accurate report, therefore any information that is not true, accurate and verifiable is required to be removed thank you for your time and understanding. 

With Great Sincerity, XXXX XXXX