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

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to XXXX XXXX XXXX ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to XXXX XXXX XXXX ( XXXX ) it states this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to XXXX XXXX XXXX it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me XXXX who else they are doing this too. 
Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to TransUnion credit bureau. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion for verification of the account : XXXX  # XXXX. They have reported that upon their conclusion of their investigation that the account is being reported accurately on my credit file. They are reporting that this account was included in bankruptcy that they are not reporting on my credit file. They are reporting that this account was closed XX/XX/XXXX. They also are not reporting a balance on this account and lastly that last payment was made XX/XX/XXXX. All these items are reporting inaccurately. 

I contacted XXXX  for verification documents in which they returned a letter first addressed to XXXX XXXX which I believe is the name of their account but not my legal name or the name being reported by Transunion on my credit file. My name being reported on my credit file is ; XXXX XXXX XXXX. 

The letter also states that : Dear XXXX, We can confirm our records indicate a balance of {$6100.00} as of XX/XX/XXXX. 

The name states XXXX XXXX ( that's inaccurate ) they sent to correct address because of my request using my current address. There is a full account number on the letter : XXXX which Transunion reports as : XXXX which the last four numbers can be what? 
They also indicate they are reporting a balance of {$6100.00} which Transunion is reporting nothing.
Product: Credit card or prepaid card

On or around XX/XX/2022, someone attempted to places several charges in the amount of {$240.00}, on my Citibank credit card. At no time did Citibank provide any alerts or notification of the fraudulent charges. Citibank waited until XX/XX/2022, without any notification or alerts then cancel said card while on a holiday weekend. Citibank has made it impossible to find or locate an actual telephone number on their website and when you finally find a number you are forced into an auto dial voice controlled system that will disconnect if you hit the wrong button. Translation it took 30 plus minutes to get ahold of a customer services representative over in XXXX that could not speak XXXX XXXX XXXX or answer the core compliant why did Citibank not alert consumer to credit card fraudulent or cancellation of card?
Product: Credit reporting or other personal consumer reports

I am requesting an investigation for my consumer report because after reviewing my credit report I noticed multiple fraudulent accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681 the consumer reporting agency is required to investigate these accounts and remove anything that has not been verified by these creditors. I have never signed any contracts and I did not authorize the use of my non public information. Now I expect a fair and reasonable investigation resulting in the removal of these fraudulent accounts.
Product: Credit reporting 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. 

Account Name 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 XXXXXXXX and list of Inquiries. 

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: Debt collection

This account with Midland Credit Management-XXXX XXXX XXXX a department store credit account. The store closed and there was no forwarding information regarding the last of the bill I paid in full. While checking my credit report, I see that they added this to my credit report and I paid this in full.
Product: Checking or savings account

In XX/XX/2023, Citibank froze my savings account. Claiming that it was inactive, even though I had just deposited money in it in XXXX. The nearest branch is XXXX miles away, so the only way to contact them is with their customer service number. I have called over 25 times in the past 7 months, for help to get access to my account. They say there is nothing that their department can do. They gave me an address and script to say to another department in TX. I have send multiple letters in the mail. The last one I decided to get it certified and signed, which they received in XXXX. Still no response. I've called again and again explaining that the TX office is not helping, but still nothing is done. I just want access to my hard earned savings and to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

unfortunately, i went through a financially tragic moment where i lost my job due to covid-19 and as result, i missed several payments. 
According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me
Product: Debt collection

On XX/XX/XXXX, I received the ONLY call I've ever received from this company saying that they had made multiple attempts to communicate with me regarding a debt. I called back and a lady named XXXX XXXX answered. By using my phone number, she was able to ascertain that I had an account with them for a debt that is in a public record. She basically told me that I owed more than {$10000.00} and could settle for less than {$2000.00}. She told me that if I didn't pay, they would take me to court and have a judge issue a warrant for my arrest. I asked if I could pay the settlement amount over 6 months. She said yes. We arranged for me to pay {$250.00} per month until the total was satisfied. On XX/XX/XXXX, I spoke with a family member who mentioned debt collection scams. This person helped me XXXX phone numbers and names. As expected, the names I was given for contacts were not found. The two phone numbers I have for the company are attached to pages and pages of scams. All the entries from others with the same complaints with the same sort of dialogue and threats. I checked with the XXXX XXXX XXXX. There is not information for LSA other than complaints with the same information. At this time, I can blocked their numbers and changed the credit card number to ensure that I will not contacted or charged again. Someone should shut down this fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experience with XXXX has been terrible even though my car loan was current for the last 60 months of my car loan. I experienced late payments with XXXX as early as XX/XX/XXXX due to being unemployed. I was able to get back on track and kept the payments current until it was paid off in XX/XX/XXXX. I paid all of the high interest and even at the end of my loan in XX/XX/XXXX I still owed {$5600.00} which I provided them with a check and paid the car off. XXXX had not reported a late payment any late payments since XX/XX/XXXX. Well that all changed when I paid off my car loan. Here are the chain of events. 

*Account opened XX/XX/XXXX XXXX date of delinquency reported by XXXX XXXX XXXX XX/XX/XXXX XXXXAccount brought current XX/XX/XXXX and never reported late again by XXXX XXXX XXXX to any credit bureau *Loan paid in full at the end of loan XX/XX/XXXX total paid {$5600.00} XXXX XXXX XXXX XXXX XXXX update my credit reports with updated information regarding my account status. Status updated by XXXX  DEROGATORY PAID WAS 90 DAYS PAST DUE *Credit Bureaus have since updated my account as Negative with a late payment made in XX/XX/XXXX with an anticipated removal date of XX/XX/XXXX Why is XXXX  XXXX XXXX allowed to report negative information in my credit file once I pay my loan off in good faith? Why is this company allowed to report negative information from XX/XX/XXXX until XX/XX/XXXX? How is derogatory information being reported for longer than 7 years? 

I have contacted XXXX and have encountered unhelpful employees and it turned out to be a horrible experience. As a consumer who has paid their loan off in good faith, why am I having to deal with this? Why hasn't XXXX removed the information from my credit file all together when the loan was paid off in XX/XX/XXXX? I have been disputing this information for a year with countless of letters to the credit bureaus and emails to XXXX with no resolution. It will be 7 years in XX/XX/XXXX in which this company would have been reporting derogatory information on my credit report regarding this loan. There is no reason for a company to add negative information to someone's credit file after the loan is paid in full. This is unfair practices and my last final recourse will be a civil suit if we can not come to a resolution and have the account removed all together. 

How is this action by XXXX legal or even moral for that matter?
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Credit card

Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Chase has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.
Product: Money transfers

I filed a dispute for non-receipt of product/service for a purchase made today, XX/XX/XXXX, in the amount of XXXX. The transaction ID is XXXX, email is XXXXXXXXXXXX. This appears to be some sort of scam as the person ( s ) who received the funds do not reply to direct messages via XXXX and or email, a video was ordered and not received. The person ( s ) no longer reply to direct messages as well as emails, they were reported to XXXX as spam/scammer. I advised Google Wallet, the service used to send the funds and dispute was filed. However, due to past experience with this company, Google Wallet, they do little if anything to resolve disputes. I previously filed a debit card dispute for a deposit in the amount of XXXX left with a XXXX dealership and had to go to merchant directly, filed several complaints, before merchant agreed to refund. Google Wallet did nothing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing and/or acquisition of my credit information by XXXX XXXX. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a company must have my written consent before obtaining or furnishing my consumer report. I have never provided such consent to your company, making this action a violation of federal law.

Specifically, I demand : 1. Proof of Written Authorization Provide a copy of the legally valid, signed authorization where I allegedly consented to your company accessing or reporting my credit information. 
2. Immediate Deletion of Any Inaccurate Information If you are reporting information to credit bureaus without my authorization, it must be removed immediately per my rights under the FCRA.

3. Cessation of Further Credit Inquiries or Reporting If your company has accessed my credit file without permission, it must cease any further unauthorized activities.

If you fail to respond within 30 days of receipt of this letter, I will escalate this matter and possibly take legal action for FCRA violations, including seeking damages as permitted under the law. 

I expect a written response confirming compliance with my request. Please send all correspondence to the address listed above.
Product: Debt collection

My XXXX cell phones were stolen. The sync up Drive damaged my XXXX. THE REP told me to submit the bills to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I sent letters in XXXX, XXXX, XXXX, XXXX. 

How many letters do I have to send? Im out off thousands of dollars my XXXX CAUGHT ON FIRE. THE WIRES FROM THE SYNC UP DRIVE SHORTED OUT MY XXXX ELECTRICAL SYSTEM. WHO IS LIABLE? 

I CALLED XXXX & was harassed to give my back account info then 3 secondS later my bill went up {$300.00} dollars. Im not liable 4 this charge off my last bill was {$2400.00} XX/XX/XXXX. XX/XX/XXXX XXXX XXXX my acct:XXXX XXXX acct : XXXX. Bal : {$2000.00}. They sold it to RPM   ON XX/XX/XXXX ref : XXXX creditor acct : XXXX total due : {$2700.00} XXXX needs to pay me for my XXXX THAT WAS DAMAGED. As soon as I removed by baNK info the calls started 24 hours MONDAY-SUNDAY. HARASSMENT I HAVE BEEN A LOYAL FOR TEN  YEARS XXXX  IN XXXX XXXX XXXX XXXX XXXX SCAMMED ME & MY SON ALSO MY BANK ACCOUNT. I WANT ALL MY MONEY BACK. ASAP SENT TO MY XXXX XXXX XXXX XXXX, NJ XXXX. 

The XXXX LOCATION IN XXXX XXXX XXXX CALLED ME XXXX XXXX XXXX, NJ. I CALLED AND COMPLAINED NOTHING DONE. I HAVE OVER ONE THOUSAND COMPLAINTS IN XXXX SYSTEM. I WAS ONLY MAILED A BILL. I WOULD RATHER HAVE PIECE OF MIND AND STUDY LAW HOW TO SUE XXXX IS WHAT IM DOING. ENOUGH IS ENOUGH.
Product: Debt collection

Received letter from XXXX XXXX XXXX representing Absolute Resolutions Investments LLC claiming I owe {$19000.00} to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from Absolution Resolutions on XXXX never received information on owing these funds.
Product: Credit card or prepaid card

My card was locked I called and got a new card sent to me this was XX/XX/XXXX the lady unlocked my netspend card sending me one two days later when I activated the card I called to make sure my funds were transferred well the lady I talked to must have thought I stole the card cause when asked my address I said which one do you want the one I just had the card mailed to or the original account address next thing I know my card is locked and they are saying I have to have 3 forms of proof who I am I sent them two photo ids and social security card they said that's not good enough I have to have proof of address I told them I dont have that ive only been out of prison three weeks and have no way of giving them that.theyvsaid they would mail me a check with my remaining balance I waited the 10 days still no check I called them they said they couldn't mail the check cause o couldn't prove who I am well now my stimulus has been direct deposited to the account and they still wont give me my money they have close to XXXX dollars of mine and I don't know what else to do they are no longer answering me please help netspend is stealing my money and knew it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contacted TransUnion about the following negative accounts COLLECTION ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$360.00} ), XXXX Bank ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, High Balance {$2600.00} ), XXXX XXXX XXXX CO ( Date Opened XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXXXXXX IN CO ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXXXXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$7900.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

The payment amounts and payments history is not correct. The inaccuracies are preventing me from obtaining financing.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

In accordance with the Fair Credit Report Act 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ask you to remove the current fraud alert customer statement on my XXXX and Transunion report. All issues were resolved a month ago and now Im trying to refinance my car and this alert is causing approval issues. Please remove this alert asap please. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian has violated my rights. I do not authorize these negative accounts to be added to my report : XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX account number XXXX XXXX XXXX account number 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 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 card or prepaid card

On XX/XX/2022, I was browsing XXXX and was shown an advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with Apple/Goldman Sachs support who confirmed that I should receive the bonus. After meeting the requirements for the promotional offer, I chatted with Apple/Goldman Sachs support on XX/XX/XXXX. Support confirmed I should receive the bonus within 30 days. After seeing in online forums that many consumers had already received their welcome bonuses within 24 hours of meeting the requirements, I called Apple/Goldman Sachs to double check that I would be receiving the welcome bonus. The representative confirmed that I signed up in the correct time period and met all the terms for the welcome bonus but that for some reason, my account did not have the promotion applied. She said that the best way to resolve this would be to put in a dispute on my behalf for the {$75.00} welcome bonus, given that I clicked on the application through the advertisement and had met all the terms. This morning I received an email that the dispute had been denied for the reason that I had received 2 % cash back for a specific transaction. This however is not the nature of the dispute since we all agree that the cash back for various transactions is correct. The correct nature of the dispute is that I should receive the {$75.00} welcome bonus that I signed up for and met all the terms for.