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

This letter serves as an escalation notice regarding the unresolved issue of inaccurate negative entries on my credit reports. Despite previous communication and evidence submitted, these errors persist, negatively impacting my creditworthiness.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) states : 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

I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information
Product: Credit card or prepaid card

I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with XXXX XXXX  from XXXX ( {$3100.00} past due ). It was sent via certified mail & gave XXXX XXXX  ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$790.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX XXXX  agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX  , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.
Product: Credit card or prepaid card

I have had a XXXX XXXX XXXX from XXXX and have an extended warranty option on my account. I have tried to exercise this service/feature of my credit card for over a day. I have called numerous times and have asked for the correct dept, but constantly get transferred to the XXXX XXXX and they don't have record of my account. 
I continue to call the number on my card, but they insist that is the only number they have. I have asked for a supervisor numerous times, but only get disconnected. I feel like this feature is bogus and citi bank has no intent of honoring it. I have spent collectively XXXX XXXX  hours on the phone and feel like this is dishonesty and deceipt. I believe their tactic is to not give you a clear communicator and to hold you on line long enough to give up. I will insist that this claim is honored and as a man that spends XXXX per year on the card, this is a terrible way to treat your customers. I once had a claim on XXXX and it was quick, easy and seamless. Looks like that will become my preferred method of payment going forward.
Product: Debt collection

Good afternoon! I am writing today regarding Citizen 's Bank. I had a personal student loan that I took out sometime prior to XX/XX/XXXX. In XX/XX/XXXX, my husband and I fell on hard times and filed bankruptcy. After the discharge, all of my student loans contacted me and made arrangements for payment. I have been paying on these student loans faithfully for over 6 years. I had many loans, and I lost track of which investors were to be paid. The only company that never contacted me, ever, was Citizen 's Bank. I was not even aware that I owed them any money. In the past 6 years, not once did I receive a notice of payment in the mail, in an Email, or a phone call. I have had a personal account with them for many many years. Last Friday, XX/XX/XXXX, Citizen 's Bank went and took every penny that I had in my account. I am now in the rears with them due to bill paying online, and have several checks that are going to bounce. I understand that they have a right to do this and what occurred was completely legal. I first thought it was a fraudulent removal by someone who may have copied my debit card. When I called the bank, I was informed that the money was taken to partially cover a prior debt with them from years ago. I explained that I have checks out in the mail to pay my utilities and other such bills. I also explained that I have no money left to feed my daughters. I informed them that I was never notified of the debt, or I would have made arrangements. I also informed them that if they placed some of the money back in the account, I was 100 % willing to cooperate and start a payment plan as I have with all of my other student debt. They were unwilling to assist. At this point, I am not sure how I am going to afford gas for my drive to work. They disregarded anything I said and were not helpful at all. Like I said above, I understand that they had a right to do this, but to be so unwilling to work with someone, and to have not provided at least some form of contact for payment in the last six years is in my mind immoral, unethical, and cruel. I don't know if you can be of any assistance or not, but they really put me and my family in a terrible position and I am not sure what I am going to do. We live paycheck to paycheck, and my husband is on unemployment at this time. Taking {$1700.00} is enough to put us in a predicament that we may not be able to dig out of. Thank you so much for taking the time to hear my voice. I appreciate it.
Product: Money transfer, virtual currency, or money service

CashApp has a mobile app as well as a physical card. My entire ( physical ) wallet was stolen on XX/XX/22, including my XXXX-branded CashApp card. A number of fraudulent purchases totaling more than {$600.00} were made on XX/XX/22 at XXXX using the CashApp card. I attempted to dispute via the app, which is standard protocol for CashApp. My request was denied based on the fact that the " card was present '' for the transaction. I called CashApp on the phone and explained, yes, the card was present because the physical card had been stolen. They resubmitted the dispute on my behalf and today it was rejected again for the exact same reason. I called them and they said there is nothing else they can do in this matter except to send me information regarding how to avoid theft in the future which is not particularly helpful in this situation. 

It is very difficult to get in contact with anyone at CashApp who will listen to the specific circumstances of your dispute and follow up accordingly. A police report has been filed in this matter, and similar fraudulent transactions on other cards that were also stolen have been resolved with the respective card issuers. CashApp is the only holdout in this regard ( and of course it's the one where my losses were the largest! ) Thank you for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Checking or savings account

I do not have a Chase banking account. I do have a Chase credit card. 

Someone opened a Chase banking account using my email address. It is a different address than the one that is tied to my credit card. I do not want my email address tied to some stranger 's Chase banking account, obviously, so I followed the instructions in the email : " If you didnt make this request or provide this information during the application process, call us immediately at XXXX or visit chase.com/customerservice. '' This is very important I have received 10 emails so far today about an account that is not mine tied to one email, and do not want to be confused that they're about my credit card account when checking my overall email on my phone because I have 5 or 6 email accounts that all feed into one overall inbox. 

I called the number and recieved zero help from the customer service rep. He transferred me. The next person did the same. And again. Eventually, after the 5th person, I had to hang up because it had been almost a half hour and I had a meeting to attend. I called back and the same exact thing happened again transferred 7 times over the course of 45 minutes. All told I have spent nearly an hour and a half talking to a dozen Chase reps, all of which transferred me to someone else who didn't have a clue what to do. The last person told me that the only way to get my email address removed from this person 's account would be to visit a branch because the only way an email gets added or removed is at a branch by a Chase associate, according to the last phone rep. 

I take great offense at this " solution '' why should I have to waste more of my time fixing a problem I did not start and that would require me to go to a branch I've never been to, where I do not have an account not to mention spending money on a taxi to get there? Absolutely ridiculous. I used to live in MA, where Chase did not have branches what would I have been told to do if I still lived there? That Chase does not have a " verify your email '' option for new account holders is beyond ridiculous this problem would have been nipped in the bud. 

There is zero reason I should have to do anything beyond what I've done to get my email back and off of some stranger 's account. Chase is the responsible party, and it should fall on them to fix the problem they created. I've already spent hours on this and I will be damned if I am required to spend a single more minute of my time, much less any actual money in transport costs, to fix this problem. 

My email address that Chase needs to remove from the stranger 's account is : XXXX. 

It's tied to this person who I do not know : XXXX XXXX. It is his XXXX XXXX XXXX ... XXXX account. I do not think there is any fraud here, just a typo. But this typo has already caused a lot of wasted time and effort and Chase should be required to not only fix this now but also put in procedures to ensure this doesn't happen again to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Rental Inquiry for wrong consumer Risk Level : High ENTRATA INC got a copy of your XXXX Credit Report. ENTRATA INC made a Rental Inquiry by checking your XXXX Credit File. XXXX XXXX also made an inquiry this two companies or d/b/a. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. Alert Details ENTRATA INC XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ( XXXX ) XXXX Rental history civil record was for a XXXX XXXX Case # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX this is fraud. I do not go by such name. The legal name is XXXX XXXX he should not have been denied as a consumer to rent an apartment based on inaccuracies. XXXX XXXX XXXX has no such derogatory record on his rental history record of evictions nor is their civil records of XXXX XXXX XXXX being taking to court by a property owner, company, or any other entity
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


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

On XX/XX/21 I XXXX XXXX spoke on the to XXXX Ticket # XXXX at approximately XXXX XXXX, who is a representative of the company LexisNexis.They have gotten my personal information ( BANKRUPTCY ) and furnished it to the credit bureaus like XXXX, XXXX, and XXXX  I stated law 15 USC 1681b " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report report under the following circumstances and no other : in accordance with with written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. I am a protected consumer and I have the right to PRIVACY!!!!!! I did not give LexisNexis any written consent to have my personal information or to send them my personal information. 

After stating law to XXXX he kept telling me that a Bankruptcy is public information and it stays on your report for 10 years. I told XXXX that NO CONSENT IS IDENTITY THEFT AND FRAUD. Are you saying you are consenting to committing identity theft and fraud? XXXX was quiet and said that he needed to place me on a hold. After placing me on several holds and me going back and forth I stated 15 USC 1681n. I told him Lexis Nexis would be in violation of Civil Liability for Willful noncompliance. I said if you can not help me I would like to speak to a Supervisor. He placed me on hold again and came back to tell me there were no available Supervisors and that they would call me within 24-48 business hours. After that I called on the XX/XX/21 and I spoke to XXXX at approximately XXXX : XXXX XXXX. I got the same result. Then I called again on XX/XX/21 at approximately XXXX XXXX  and I spoke to XXXX. I got the same result except they said a Supervisor called me on XX/XX/21 and they left a voicemail. I asked well what time did they leave the voicemail they said they did not have that information. After hanging up I checked my call list and I did not see any calls from Lexis Nexis. Also I checked my voicemail and I did not receive any voicemail 's from LexisNexis. I believe Lexis Nexis is refusing to remove the BANKRUPTCY after knowing they are in violation. I have even talked to the BANKRUPTCY COURT and they told me they do not provide Credit Bureaus with this type of information. I have asked all three agents of this Corporation to provide me with a letter or a date when I gave them permission to to have my information Pursuant to 15 USC 1681b. I demand they delete the entire report and I have sent in a request to OPT-OUT of the Lexis NEXIS reporting pursuant to 15 USC 6802 ( b ). I XXXX XXXX, speak as the natural person and I demand deletion of this fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting ACT XXXX Account Names : 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.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 


XXXX  - Inquiry Date : XX/XX/XXXX Globallend - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX
Product: Mortgage

Back in XXXX we had a disaster, hurricane Beryl and I requested a forbearance as we were without power for 2 weeks and I work from home. I needed the forbearance to reflect on the account so I wouldn't be reported to the credit bureau. Initially I filed for forbearance and the rep filed for loan modification which i refused. She told me that she had to cancel it and resubmit it. Well it has not been applied, now it's showing my mortgage is behind XXXX and I can not make payments online. I can not reach anyone to try and solve this issue and now I have a foreclosure notice. They also made a late payment to my insurance and my policy was canceled. I've emailed them and no one has reached back. I get calls to contact the mortgage and then they disconnect, and when I do reach out to them, no one is available.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : 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 Bankruptcy - XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Debt collection

I contacted ERS in an attempt to set up a payment schedule. I was told that if I did not adhere to their payment schedule which I am unable to afford at this time, that that they would report my account as delinquent and that I am refusing to pay the debt even I am making payments towards the debt of {$20.00} month which I can afford.
Product: Credit reporting or other personal consumer reports

CONSUMER NAME : XXXX XXXX XXXX XXXX : XXXX CONSUMER SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of various loans account from XXXX with a balance of {$500.00}, XXXX with a balance of {$670.00}, XXXX with a balance of XXXX, XXXX  with a balance of {$780.00}, XXXX XXXX with a balance of {$420.00}XXXX XXXX XXXX with a balance of {$900.00}, and XXXX with a balance of XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.