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

I requested that late payments be removed due to my family being infected with the XXXX and they have not been removed. I requested the removal of late payments through credit bureau disputes and online through the credit card company messaging center. 

My account is currently paid off and the 4 late payments from XX/XX/2020 to XX/XX/2020 are greatly impacting my credit score. Prior to the pandemic I did not have any late payments on my account. Once I received my stimulus check I started making regular payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the past year trying to remove XXXX fraudulent accounts on my credit report. I did what the bureaus told me told me to do. I filed an ftc report, i got a police report. Yet the bureaus will still not remove these fraudulent accounts from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I used XXXX to view my three reports online. The first one, XXXX, went fine, and I viewed and saved my report with no problems. When I tried Equifax, they asked me some " qualifying questions '', none of which had any relevant data concerning me, so I answered, '' none of the above '' to all four or five questions. Immediately, i got a message that they could not display my report online and told me how to apply for a copy to be snail mailed to me, complete with copies and attachments to prove who I am. XXXX had no problem. When I tried XXXX, they didn't even ask qualifying questions, they went straight to the paper route. What is the purpose of promoting an online website where we can find out what XXXX shared with the world, and the same with Equifax? 

I did a little looking on the web, and this is a known and prevalent problem and has been happening for a while now I want to be able to see everything these irresponsible companies have about me. The last time I dealt with Equifax and XXXX in which I WAS able to see my data - more than ten years ago, they were riddled with outdated and erroneous information. 

If this has been recurring and unfixed, whomever is responsible should get on Equifax and XXXX and make them comply.. We have no choice to opt out, but I would if I could. 

XXXX XXXX XXXX XXXX, CA
Product: Debt collection

I had disputed this account before with this company that never verified this account MEADE & ASSOC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX I have a a unverified account from Meade & Assoc . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt MEADE & ASSOC purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Product: Credit reporting, credit repair services, or other personal consumer reports

While I have been going back and forth with all the banks, credit people and all, it started about XXXX less then a year after my twin brother died. Once he died some how his ssn ended up on credit report along with all his debts followed by every account of mine is closed, no bank will accept me nor credit card. I have no debit but some how have incurred about 100 inquires that I can account for some but maybe 12 and it continues to get worse. I am unable to verify my identity online, lost a job because I couldn't accept direct deposit. I'm on the brinks, then to top it off I'm ready to loose it. Please help me. I have contacted everyone.
Product: Credit card

I was able to make my credit card account payments with my debit card since I've had the two cards. I made my last payment with my debit card on XX/XX/year> with a debit card. Now they will not accept my payment method and have charged me late fees because of it. The said I can make an ACH payment but that is too slow and unacceptable. Please remember not everyone has the luxuries of being caught up on bills, some of us are behind so if we let money sit in our bank accounts it will get taken up by some other entity. Debit card payments allow us to make those payments right now while we have the money. This is another example of a punishment against the poor.
Product: Debt collection

I obtained a loan with cashnetusa. XX/XX/XXXX. XXXX was delinquent. Loan PAID IN FULL XX/XX/XXXX. XXXX has refused to remove item from credit report. Claims debt was sold to XXXX party. Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX contacted : XXXX XXXX XXXX. Claims no knowledge of debt. 

XXXX has filed collection on crefit reports with XXXX and XXXX. After several complaint filed with both agencies, XXXX claims they are original holder of debt. XXXX and XXXX refuse to remove item from credit. Recently reported as XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Checking or savings account

My Revolut Business Account has been temporarily blocked for the last 5 weeks. 

I can not access the account via the app or online. I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last five weeks. 

The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. I would just like to access my money and close the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> Notice to an agent is noticed to the principal. 

Dear SELF, Thank you for your recent correspondence dated XX/XX/year>, regarding my inquiry under Case # XXXX. While I appreciate the explanation of your companys practices, including the additional XXXX days you provide to consumers beyond the statutory XXXX requirement, this is not responsive to my request. 

To restate clearly, I am asking for proof of compliance with 15 U.S.C. 1637B, specifically documentary evidence that disclosures were mailed or delivered no less than XXXX calendar days before the payment due date, as mandated by federal law. This proof must include verifiable documentation such as a tracking number, receipt of delivery, or other definitive evidence demonstrating compliance with the timing requirement. 

Your response, which outlines your policy of providing XXXX  days, while appreciated, is irrelevant to my specific demand. Let me clarify : XXXX. I am not asking about your general policies or practices. 


XXXX. I am not inquiring about account summaries, payment histories, or additional days you provide to consumers. 


XXXX. I am requesting only documented proof of mailing or delivery of the disclosures required under 15 U.S.C. 1637B, at least 21 days before the payment due date. 

Failure to provide this specific evidence will constitute a violation of federal law, including 15 U.S.C. 1681N ( willful noncompliance ) and 15 U.S.C. 1681O ( negligent noncompliance ). 

Can you provide documentary evidence that disclosures were mailed or delivered at least 21 days before the due date, as required by law? 

If such proof does not exist, are you acknowledging noncompliance with federal statutes? 

Please provide the requested proof within XXXX calendar days from the date of this communication. Failure to do so will leave me no choice but to file claims for statutory and punitive damages under the Fair Credit Reporting Act and Truth in Lending Act. 

While I appreciate your company 's policy of giving consumers additional time, it does not address my inquiry. Any further responses that evade or obfuscate this request, or include irrelevant information, will be viewed as deliberate noncompliance. 

This is a time-sensitive matter, and I trust you will handle it with the urgency and specificity it demands. 

Govern yourselves accordingly. 

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

XXXX NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I had noticed that there were fraudulent charges on my bank account which I called Chase to address. I recently moved from XXXX  to XXXX XXXX so I was unable to go into a branch to resolve the issue. The nearest branch was over 150 miles away in XXXX XXXX, and without the funds from my bank account, there was no way for me to get there even if I had the time to take off of work. Furthermore, they refused to have the funds transferred to the account of another bank in my name or make any other reasonable accommodations for my circumstance especially in consideration of the fact that my rent was due on the XXXX of the month. 

After 3 separate calls with Chase they finally put my account on " restricted '' which would close the account in 10 business days. I essentially had to live without access to any of my money for two full weeks. Come the end of the 10 business days, the account was still not yet closed even though the notes of all interactions with chase indicate a closure date of XX/XX/XXXX and mailing of my funds by XX/XX/XXXX. I had to call again to have the closure of the account " expedited '' which isn't the correct term because the date of closure guaranteed to me was already past. As of XX/XX/XXXX, the writing of this, the account is still not closed and no check has been mailed to me. Chase has been extremely unresponsive and I've spent over 15 hours on the phone with them over the past two weeks to be " guaranteed '' different deliverables by different dates only to have them continually pushed back. They have made it ridiculously difficult to simply close my account and all of this is noted in their notes as multiple representatives I've spoken too have read back to me. I have been informed the account will now be closed by XX/XX/XXXX Monday, but even if it is I have been unable to pay my rent or access the funds I need to buy groceries and pay other bills because of the actions, and inaction, by Chase. Simply put, I will never bank with Chase again and they ought to be responsible for any negative financial consequences I've incurred as a result of their inaction.
Product: Credit reporting or other personal consumer reports

Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 receipt by such agency of ( 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 consumer.
Product: Credit reporting or other personal consumer reports

My credit report with Experian contains numerous instances of incorrect information. About 80 % of the information is not mine and has no connection to me. This includes : incorrect names, many incorrect residence addresses, incorrect birthdate, multiple incorrect social security numbers, and a large number of bank and credit accounts that I have no association with and have never opened. At least one or two other people 's information appears to be mixed in with mine. This includes bankruptcies and discharged accounts which make my credit record look terrible. 

Multiple calls to the Experian dispute department have resulted in XXXX action or resolution. I have been calling for over a month. I am currently on my third " case ''. The previous two cases were opened, and supposedly provided to the internal department that resolves data errors. Both cases were closed without any information being captured, and with no resolution to the problem. Each time I call, I'm told it will be 5 business days to fix it and that I'll be contacted. I have never been contacted and the issue has never been addressed. The customer representative can never provide me a status, has never once indicated that the internal department is looking into the matter, and stonewalls me when I ask for an escalation path or for the contact information of someone in the mysterious internal department who i can contact directly. 

Experian 's handling of this issue is utterly shameful. The customer representatives have XXXX information or status they can provide me. They refuse to provide any further contacts to me so that I can check in on the status myself to ensure that the required actions are addressed. And they have opened multiple cases and then closed them without recording any resolution or reason for closure. At the same time that Experian fails to correct their data quality issues and misrepresents my own creditworthiness to creditors with their own misinformation, multiple times a day they are pushing their credit products on me -- a truly insulting and disgusting business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I submitted complaint for two accounts XXXX   XXXX XXXX with Equifax. I have no knowledge of this account. Equifax stated that they were able to verify but how if this account does not belong to me. XXXX removed it from my credit file because account could not be verify.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX United States. 

Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, Coinbase made an unauthorized withdrawal of {$240.00} from my XXXX XXXX XXXX checking account. The transaction listed itself as a Bitcoin ( BTC ) purchase. I did NOT request this. I also did not receive any notifications/confirmations via email or in my coinbase account. I did not receive the BTC that was supposedly purchased. 

I called Coinbase the same day and they assured me that my issue would be treated as a priority and the money returned. Nothing happened for two weeks despite multiple email requests for updates.
Product: Debt collection

I was sent a letter by XXXX XXXX for a bill. She emailed me XX/XX/2018 the bill related to the fact I was unable to be reached. I received the bill via email and paid the bill by check. The checked was cashed by my bank XX/XX/2018. XXXX XXXX XXXX XXXX has placed a collection on my credit and stating is currently open and the amount is owed to them. I have outreached them to make them aware that the debt was not in collection per XXXX XXXX from XXXX XXXX and the bill has been paid and it is not an open case as it shows on my credit they have placed on my credit report ( XXXX )
Product: Credit reporting or other personal consumer reports

Someone applied for an XXXX XXXX they had to go through XXXX XXXX XXXX I don't recognize the regular hard inquiry. It's not mine 's I don't apply for credit online. This situation gave me heartaches and it put stressed on me moving forward. Please have the bank & TransUnion to remove and fix my online account for TransUnion. It's broke. The system is broke on my end. I can't view or unfreeze my credit report through TransUnion.
Product: Credit card or prepaid card

I have had a card with Synchrony Bank for over a year. I got the card through XXXX. I bought doors on it and I had my bank on automatic payment to pay it off. I over paid and they sent me a check XX/XX/2022 with the overpayment. 

I just bought cabinets on the card on XX/XX/2022. I set up the payments for my bank to draft a monthly payment to them. I sent them a payment in XXXX and XXXX. In XXXX they tried 2 times to draft my bank for the full amount unbeknownst to me. I did not have the funds in that acct for the full payment of over XXXX. They immediately closed my account. I have reached out to them two times and the first time, the manager looked over my payments and said that she would send it to the board to review. I spoke with another manager yesterday and she told me too bad. It appears that the acct switched over to pay in full. I informed her this was a glitch on the computer programs and not mine. She could see that I was paying each month. She told me there is nothing that they could do. I informed her this would hurt my credit score and that I have good credit. She said there was nothing that I could do and that the account was closed. She also told me that I could open up another card. 

Please help me figure this out and repair my credit. I shouldn't be penalized for a glitch in their system.
Product: Student loan

I submitted a request regarding specific over-payment instructions to FedLoan Servicing ( myfedloan ) and received a generic email response back. Not only did they not acknowledge my request, but they did provide additional information on how to service it. I followed the advice seen here ( XXXX ) in regards to providing specific over-payment instructions.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX Subject : Method of Verification Request for Disputed Item Dear TransUnion, I am writing regarding the results of your investigation of the dispute I submitted concerning an item on my credit report. I received your response indicating that the information in question has been verified, but I now formally request the method of verification, as outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ).

According to the FCRA : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with the name, address, and telephone number of the furnisher of the information that you verified as accurate.

Per 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to request a description of the procedure used to determine the accuracy and completeness of the information, including the business contact information for anyone contacted during the investigation. For the follow items you claim were verified XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX XXXX-VERIFIED AS REPORTED ( 4 ) XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED Please provide this information within the time frame specified by law, as required under 15 U.S.C. 1681i. Additionally, I would like to remind you that you are required to maintain accurate records and that failure to comply with my request could result in legal consequences, including potential liability for damages. 

Please send the requested documentation and a detailed explanation to the address listed above. If I do not receive a response within 15 business days, I will consider further legal action to ensure compliance. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information.
Product: Mortgage

We refinanced in XX/XX/XXXX, after being told that they could help us refinance and then after a year we could get a better loan, when our credit was better. Well it is XX/XX/XXXX and our principal has gone from $ XXXX to $ XXXX, we had XXXX modification, but it did n't change the " terms '' of our loan and because the investor ( XXXX XXXX XXXX ) put a clause that the loan could only be modified once, we ca n't get help with HARP or HAMP. This was an interest only ARM loan and now our interest rate is 12 % and our payment is over $ XXXX/month.
Product: Mortgage

I filed for bankruptcy and received a discharge in XX/XX/XXXX. I had a second mortgage with XXXX XXXX XXXX, which was listed on the bankruptcy schedules. Nationstar Mortgage has continued collection activities against me attempting to collect the discharged debt. Nationstar Mortgage has recorded this discharged debt on my credit report as late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.