23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/15 I applied online for a XXXX XXXX credit card to take advantage of 0 % interest promo. Card is offered thru Comenity Bank. I unfrozen my credit reports before I applied. I do have a fraud alert on my report report because of my common name and previous issues with wrong accounts merged on my report. I am aware that someone is to call and verify my identity. The message I received when I applied online was " processing and I would hear within 10 days '' I followed up calling a number XXXX XXXX  Manager gave me and I could not get anyone to help me. I was transferred three times - once to XXXX Customer Service, once to XXXX - XXXX XXXX and once to a recording. I was told that only a Supervisor could help me and they were not allowed to transfer to a Supervisor. To date, I still have not received any communication from Comenity Bank. I currently am a cardholder with Comenity Bank with XXXX XXXX and BJs XXXX XXXX cards - all in good standing. 

I would like to get a response ASAP as I would like to continue my purchase with XXXX XXXX during the promotion.
Product: Credit reporting or other personal consumer reports

I checked my email on XX/XX/2024 and I noticed an alert from " XXXX '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report " Equifax '' " XXXX '' and " XXXX ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed due to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the Tracking Number to XXXX XXXX XXXX XXXX XXXX XXXX and Tracking Number XXXX XXXX XXXX XXXX XXXX to XXXX and Equifax asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Payday loan, title loan, or personal loan

I took out a loan a few years ago, I paid on the loan as agreed, then I stopped paying due to financial problems. Then the creditor took me to court and got a judgement. Then their attorney and I worked out a payment plan and I have paid on that for 2 years and in the mean time while I was paying I got a call from the creditor and I told them I worked out a deal with their attorney and I called their attorney and told him of their phone call. He said he would call them and tell them not to call me anymore. Then I continued paying as agreed then I stopped paying again because I lost my job and no income nor unemployment insurance. Then the attorney called me asked what happened? I told him of the job loss and he agreed to take the funds in arrears when I started my new job this week. Then today I got another phone call from the creditor. I told them to stop calling me because they are in violation of the FDCPA ( 2 entities coming after me wanting the same debt paid, the attorney and the creditor ). I called the attorneys office and told them I got another phone call from the creditor.
Product: Debt collection

I requested a debt validation letter from XXXX XXXX XXXX  Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it.
Product: Checking or savings account

Not sure of all dates but, XXXX XXXX XXXX XXXX XXXX Truist took a {$5.00} fee for transfers from my savings account. Apparently this is their rule. I have never done this before, but we flooded in XXXX and have had to pay several venders and contractors. I put the Flood insurance advance in my savings account and used it to transfer funds to my checking account. There is not personnel involved, these are all online transfers from my savings to checking. I pay off other accounts on a regular basis but because of the damage and repairs to my home, i apparently exceeded to limit.

I called and Truist personnel credited some but, we quite adamant that this was one time. I went to a local office and was told to close my account. 
Please help if you can. 
thank you in advance
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX TRANSUNION XX/XX/2022 RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.

My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts. 

I demand that the following account be removed immediately : XXXX XXXX - XXXX - XXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all XXXX Bureaus XXXX Transunion and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Also, I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove it. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX. XXXX, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers XXXX prohibited acts, including : Producing or transferring false or unauthorized identification documents
Product: Checking or savings account

On XX/XX/year>XXXX  I deposited an insurance company check for {$14000.00} to my personal checking account at Arvest Bank. At the time of deposit I was not informed about a hold. Subsequently the bank placed a hold on {$8500.00}. I did receive a letter in the mail about the hold. Today, XX/XX/XXXX, the hold is still in place. I called and was informed that its scheduled release date isXXXX. That is XXXX business days from the date of deposit. Thats ridiculous. There is no reason for the bank to be concerned about my account and it was a legitimate corporate check that was deposited. If they want to place a hold for a few days, thats fine. They may be able to do this legally but it is extremely poor customer service, and laziness. 
This indicates that their internal systems are so poor that it may take them an extra week to figure out what to do with a returned check.
Product: Debt collection

On XXXX/XXXX/XXXX XXXX recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted XXXX XXXXy @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the XXXX XXXX no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the XXXX said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says capital one bank however, I have never banked with capital one and never have fallen behind on any of my credit cards with capital one. I have also contacted capital one and have been advised nothing has been sent by them to this collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$9500.00} I have had accounts been disputing this with XXXX XXXX daughter who gets away with uisng the name XXXX has opened account while I had XXXX XXXX She had access to my personal accounts. Please provide signatures on credit card/loan or what ever this- XXXX XX/XX/XXXX {$6000.00} / {$4700.00} negotiated for payoff I was given this info constantly dispute these items for years now unacceptable I pay my bills.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deep concerns about XXXX handling of disputes, particularly in light of the recent CFPB lawsuit that has shed light on significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They have informed me that recovering lost funds is impossible and that tracking these transactions is unfeasible. The CFPBs findings reveal that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have requested that they send me a verification of the debt and they insist they have and will not send it. Then they threaten me and do not send me the verification of the debt. They threaten lawsuits and get XXXX  with no resolution. I have never received anything but a bill from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have grossly inaccurate information removed from my credit report. 1. XXXX  has not responded to two disputes that I submitted in XX/XX/2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay. 2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation. 3. XXXX is harming me and causing me undue hardship. 4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus. 5. XXXX and Experian have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information. 6. All three bureaus are reporting inaccurate personal information and wrong addresses. 7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XX/XX/XXXX *XX/XX/XXXX Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation. *Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file. Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account called XXXX XXXX XXXX with Transunion which is a credit card on my credit report because it was inaccurately reported as closed and past due. I also reported XXXX XXXX to CFPB in a previous dispute for violating my FCRA rights and falsely ruining my credit. This account was supposed to be in XXXX status and I never received bills or any letters or notifications from XXXX XXXX believing that the account was put in the correct status per my request before XXXX. What I came to find out was that XXXX XXXX XXXX failed to note my file as XXXX or lost any notes stating that it was in this status. However they were reporting my card as current for three months until this XX/XX/2019 when their system had an error. I sat on the phone with XXXX XXXX XXXX for 4 hours talking to a supervisor named XXXX who told me to dispute this with each credit bureau and they would correct it when the bureaus contacted them. Before hanging up the phone with XXXX I also made a {$200.00} payment for my XX/XX/XXXX payment which isnt due until the XX/XX/XXXX,  meaning I paid my bill well before its due date. This was something I was told would also be corrected on my credit report. 

This morning I was told my investigation was complete by TransUnion and that not only did they not correct the status of my XXXX XXXX account and return the 40 points they took from me they reported XXXX XXXX as an entirely new account, meaning they dont have to give my points they stole off my credit report due to a direct falsely reported status by XXXX XXXX. This new account that they posted instead is the exact same account number. This is illegal to XXXX with people credit like that. Its ruining my credit and making me look untrustworthy as a consumer.
Product: Debt collection

I had XXXX credit cards with capital one One with a limit of {$400.00} and the other with a limit of {$2500.00}. 
I just paid for a {$400.00} with a settlement plan and now when I go back to try to pay for the next one I'm faced with a debt of over XXXX XXXX dollars! 
Not to mention that they keep calling my phone and now they're not even giving me a payment option!
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXXXX/XX/XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Balance : {$440.00} XX/XX/XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX : {$10.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance XXXX {$27000.00} XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, MO XXXXXX/XX/XXXX Balance : {$440.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXXX Balance XXXX {$0.00} XX/XX/
Product: Debt collection

This company is reporting incorrect dates for this account. This account is past the statute of limitations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX and XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, # XXXX has violate my rights.15 USC 1681 section 602 ( A ) states I have a right to privacy 15 USC 1681 section 604 states a consumer reporting agency Cabot furnish an account without written instructions.

15USC 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 items of information, other records of convictions and crimes which antedates the report by 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on several occasions, the most recent being XX/XX/XXXX, in regard to exclusion of derogatory accounts from my credit report. I have 2 accounts that are closed and paid, for which the date of first delinquency will antedate my report by 5 years. I am requesting exclusion of the derogatory information of these accounts based on the provision set forth by NYS law Section 380-J : ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years I have a XXXX card that has been charged off, and subsequently paid and closed. I also have a XXXX XXXX account that has been charged off, and subsequently paid and closed. Both accounts have XXXX of XX/XX/XXXX. When referring to my Experian credit report, these accounts are scheduled to continue on my report until XX/XX/XXXX. Uning the NYS provision, I would anticipate these accounts would be eligible for exclusion this year, as the customary 7 year reporting period is shortened to 5 years. When I have inquired as to when these accounts will be excluded I have been given various dates not in accord, including 5 years from date of last activity on the account. 

I have been unable to reach a resolution to this problem, as I have been told the date of first delinquency is not recognized for application of the NYS provision. I have not had an issue with the other credit bureaus applying this provision and hope to resolve this expeditiously.
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 1681XXXX XXXX XXXX XXXX XXXX XXXXviolated 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 ) 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 or other personal consumer reports

I am formally disputing these unauthorized inquiries in accordance with the Fair Credit Reporting Act. I kindly request a thorough investigation into my claim. Due to the negative impact on my ability to apply for loans and obtain credit, I request the immediate elimination of these unauthorized inquiries from my credit report. If there are any additional materials related to these inquiries, I request that you provide them as part of your investigation. 
XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation into some items on his credit report with his permission. After the initial request for an investigation, I waited 40 days for the results. After 40 days, I received no results and the items were still showing on my credit profile. On XX/XX/2022, I sent a second letter requesting a re-investigation into those same accounts. Once again, 40 days later, the items are still there and no method of verification has been provided. At this time, the credit bureaus are in violation of the FCRA for not providing the method of verification within the 30 day time limit after multiple request. The items that I questioned are as followed : XXXX XXXX XXXX This account is a pay per delete and should not be on my credit report. 

XXXX XXXX XXXX I have never been late on this account. 

XXXX XXXX This account is a pay per delete and should not be on my credit report. 

XXXXXXXX XXXX XXXX XXXX This account is a pay per delete and should not be on my credit report. 
This account also shows two completely different account account numbers. How is this accurate? 

XXXX XXXX This account is a pay per delete and should not be on my credit report. 

XXXX XXXX This collection account is showing a past due balance, but the method of verification was not provided XXXX { XXXX, XXXX } XXXX Account is not even complete. Does not list a name. How was this verified as accurate?