23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have two American Express Business gift cards. One with a balance of {$450.00} and another with a balance of {$250.00}. I can successfully check these balances at the American Express website. However, anytime I try to actually use the cards anywhere, they just get declined. I called them to ask why, and they just said, " I can't use them online, '' even though the card says I can " use it anywhere ''. They even had me " register '' the card by adding my address to the card number, and they said now it should work, but it still doesnt. Most brick-and-mortar places also decline the cards. Now I have a ton of money stuck on these cards that I am unable to access, even though American Express itself tells me what the balance is on them. They are also set to expire in XX/XX/2024. So now I will most likely just lose that money.
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that TransUnion, as a credit reporting agency, immediately block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint : 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 {$6200.00} These accounts, along with associated hard inquiries and collections, are the result of identity theft and fraud. I have attached a copy of my consumer FICO credit report from TransUnion, which clearly shows these fraudulent items. Additionally, I have included a list of the fraudulent hard inquiries and a copy of my FTC Identity Theft Complaint # XXXX as evidence. 

I request that you take immediate action to remove this inaccurate and harmful information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and happy XXXX. For the last 4-6 months I've disputed this account here with Experian ( XXXX XXXX # XXXX ), over fax, uploaded dispute online, mailed dispute, and even talked to a department over the phone to file a dispute. Every time I check the status of the dispute and it never shows on the " Comments section '' if the account was marked " previously disputed or even if it's been " resolved or even reported by the subscriber? ". The account status was never updated to reflect that the investigation was done. Please check my record and you will see that I contacted them each time and disputed specific reasons and it continues to report incomplete, inaccurate, and unverifiable information. AGAIN, 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # 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

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX LENDING LLC XXXX Balance : {$18.00} XXXX CREDIT XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX {$5000.00}
Product: Prepaid card

My account, as well as at least two others belonging to my friends were debited a " Account Maintenance Fee '' on the same date XXXX/XXXX/15. These accounts are enrolled in NetSpend " Pay As You Go Plan '', therefore should not be charged a monthly fee. In the previous months no Account Maintenance Fees were deducted from these accounts, only for XXXX.
Product: Mortgage

MY LOAN SERVICER IS TRYING TO MAKE ME PAY FOR A LEGAL FEE FOR LATE PAYMENT WHICH I'VE NEVER BEEN LATE. I'VE ASKED THEM REPEATEDLY TO REMOVE THE CHARGE AND THEY REFUSE TO. MY LOAN TRANSFERED TO MY CURRENT LOAN SERVICER XX/XX/year>. EVERYTHING WAS A MESS. THEY ACCUSED ME OF BEING LATE WITH PAYMENTS, FALLING BEHIND, AS WELL AS MY HOUSING AGENCY WHICH THEY NEVER WERE EITHER. PLEASE SEE ATTACHED DOCUMENTS. THANK YOU.
Product: Checking or savings account

The company CONST LLC also known as MyConstant  and MyconstantXXXX has suddenly shut down with no explanation to investors. CONST LLC ( MyConstant ) is a platform that operates like a XXXX  loan for peer to peer lenders to connect with cXXXX XXXX XXXX XXXX XXXX  are able to receive a USD cash loan by placing XXXX  as collateral for their loan. The loan is funded by a pool of money from USD cash investors. CONST LLC ( MyConstant ) portrayed to investors that their platform was unique because the collateral from borrowers would auto sell in the crypto market if prices fell bellow XXXX  % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. On XX/XX/XXXX the company went XXXX. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX CA to XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX on XX/XX/XXXX. I personally have {$5100.00} total : {$5000.00} ( loan investments and XXXX XXXX ) principle and {$100.00} interest invested with the company. As of XX/XX/XXXX, I can login to my Myconstant account and see that the total interest earned for investors remains growing rapidly but I am still unable to make any withdraws or request changes to any of my investments. Please assist me.
Product: Mortgage

I sent Trinity Financial Services an offer letter dated XX/XX/XXXX, to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on the offer. I have called in multiple times with no response. This is the second time I have had to file a complaint due to the negligence and unfair practice by this company. I have been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me. I asked for a response within 15 days and it has been over 30. This company has kept me and the status of the HELOC in the dark with where they stand and are causing me financial harm. I believe their intentions are malicious and the have little to no interest in trying to come to a resolution with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported. Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. Please confirm the deletion of the impacted information from my credit report within the required 7-day period, and provide me with a written confirmation that the necessary actions have been taken. Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I SENT MY FTC REPORT AND LICENSE TO TRANSUNION TO REPORT IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding discrepancies in my credit report, and as of today 's date, I have not received a response. The details of the inaccuracies and the required corrections are outlined below : Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX XXXX XXXXD Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 

Account XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Issue : The account was never late. Please correct this inaccurate information on my credit report.
Product: Credit card

On XX/XX/2024 someone made a fraudulent purchase of a plane ticket using my JetBlue credit card information totaling in {$2100.00} ( transaction number XXXX ). I received an email on XX/XX/2024 about the transaction and I called Barclays Bank and disputed the charge. The plane tickets were purchased under my name from XXXX XXXX to XXXX XXXX then to XXXX for XX/XX/2024. Charges were removed while investigation was on going. 

On XX/XX/2024 I received a notification that the investigation was completed on XX/XX/2024 and they determined the activity was valid based on documentations provided by the merchant ( XXXX ). At this time the charges were posted again to my account On XX/XX/2024 I called XXXX directly to dispute the charge with them. They gave me the information of what happened. Tickets were purchased on XX/XX/XXXX to the location mentioned above, for XX/XX/XXXX, then it was canceled and rebook for XXXX to XXXX for XX/XX/XXXX and then was canceled again and refunded ( Not to my credit card ). The case was opened by the XXXX representative and I was given a confirmation XXXX  and was told to give them 7 days to investigate. They told me XXXX would reach out if more information was needed. 

On XX/XX/XXXX I called XXXX again to get an update. They were unable to give me an update and I was told to email XXXX, to see they could give me an update. I emailed them and I did not receive any response from them. I also called Barclays again and had them reopen the investigation On XX/XX/XXXX I called XXXX again to get an update and again I was not able to get any information. The representative stated he would have to resubmit the fraud case. I asked for some confirmation number or reference number on the case and he stated he didn't have a number to give me and I would have to just take his word that he submitted the claim.
Product: Credit card

I have been a Chase Credit card customer in good standing for many years, using different products. I decided to switch to another company due to what I perceive as predatory practices and excessive interest on the part of Chase despite my XXXX credit score. In doing so, I arranged to transfer my balance to the new card. At that point I had XXXX balance. I received my latest statement. I noticed two things. ONE, I received a refund from a merchant transaction but there was no mention of a refund of the interest since the refund process spanned two billing cycles. If Chase does not refund interest charged along with the original transaction amount, how is this legal? TWO, I paid for merchant services using the card on XX/XX/year> in the amount of {$280.00}. On the following day, XX/XX/XXXX per my statement, I was charged {$49.00} interest on that single purchase, a 15.24 % upcharge. My billing cycle ends XX/XX/XXXX. I called Chase customer service and they first said I had a grace period and then they said I did not because I had transferred my balance. I don't care what you call it, this is predatory and amounts to usury. Given the struggles that people are having to make everyday ends meet, I think these practices need to be looked at at a Federal level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus. 

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of Lexis Nexis and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Lexis Nexis involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections incorrectly. They are required by law to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what you " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS. I obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of Lexis Nexis refusal to investigate properly.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies XXXX, Experian, and XXXX block and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ).