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

This XXXX card that later got rebranded to XXXX was advertised with a cash back from purchases that never happened since inception in 2017. This card is issued by Synchrony Bank and they claim XXXX is responsible for the cash back. They being XXXX wont answer emails or the phone and the bank cant help. This was an advertising scam.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 XXXXXX/XX/year>
Product: Credit card

I shopped often at MACYS but I never applied for a credit card with them. After I checked my credit about 5 months ago, an account from Macys on my credit report, which showed a balance of {$180.00} dollars, that was charge-off. I immediately contacted the number that was on my credit report from Macys and tried to speak to someone in the fraud department. Unfortunately they kept me on hold so long, I had to hang up. I then contacted XXXX and spoke to a credit analyst and they were kind enough to tell me what to do. I contacted XXXX XXXX police dept. and filed a police report. ( no.XXXX ) it was approved by officer XXXX with badge # XXXX and then field an identity theft report with FTC .Ref (. # XXXX ). Then I sent a copy of the police report, with the FTC report, to all three major credit bureaus via certified mail and informed them to block my credit file. I also contacted MACYS and send them a copy of police report along with FTC report and inform them there is An account from MACYS is appearing on my credit report and I am not aware of having any account with their company. I request that they investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature and any other documentation verifying the account is, in fact, mine. If they can not or will not provide me this information, then I formally request they send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.Until this matter is cleared up, I firmly request that they stop reporting this account altogether. this is what happened I received a letter from macys fraud department stated they had reviewed my claim for unauthorized activity and they regret to inform me my claim can not be accepted base on account history. I got so frustrated with the letter that I just received, I immediately contacted the fraud investigation dept. at XXXX and I requested to speak with a supervisor for a copy of the original application for my review. To date, I have not received any of the requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a Notice of Dispute to LexisNexis ( XXXX ) and requested the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I submitted a Notice of LexisNexis Failure to Respond to my Notice of Dispute ( XXXX ) and demanded the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I submitted a SECOND Notice of LexisNexis Failure to Respond to my Notice of Dispute ( XXXX- XXXX ) and demanded the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I spoke with LexisNexis ' representative named XXXX who initiated another dispute regarding the inaccurate Identification Records that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report. 

This is my THIRD Notice of LexisNexis failure to respond to my Notice of Dispute dated XX/XX/XXXX, within the 30-day statutory deadline as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). 

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), the 30-day statutory deadline for LexisNexis to respond to my Notice of Dispute was XX/XX/XXXX. 

In fact, LexisNexis has refused to respond to any of my Notices of Dispute within the 30-day statutory deadline as required by the FCRA 611 ( a ) ( 1 ) ( A ). 

Therefore, per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), the disputed information must be deemed UNVERIFIABLE and, therefore, I demand that the unverified Identification Records be promptly deleted from my LexisNexis Consumer Disclosure Report. 

Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/XXXX ( See attached Supporting Document # 1 ), LexisNexis is STILL reporting inaccurate information regarding my Identification Records. This inaccurate information must be immediately deleted from my LexisNexis Consumer Disclosure Report.
Product: Credit reporting or other personal consumer reports

I believe Experian is subjecting me to personal animus in their reporting of my FICO Score. As of today 's date my scores are as follows : XXXX XXXX XXXX ; XXXX XXXX, Experian XXXX. Experian has not changed my score for months and are reporting me XXXX and XXXX points lower. The others change scores routinely, Experian has not updated for months. How can I defend myself from personal animus displayed by this agency?
Product: Debt collection

My FATHER IN LAW informed me that a collection agency named Midland called him and they were trying to get a hold for me, this was a situations very embarrassing so I decided to contact this collector I requested to do not contact my father in law anymore and I updated my phone number and personal information, I made this for the obvious reason to stop the embarrassing with my father in law. 

This company continued to contacting my father in law, even when I requested to stop, it was at the point that my father in law asked them to stop calling him and gave them my phone number so they can reach me. 

One day I received a call form this company Midland Funding/Midland Credit Management, The representative informed me the company was considering legal action against me so I should start paying the debt, he pushed me so bad at the point that he phrase in the would continue contacting my father in law. With this two big threats the representative offered me to enroll in a payment plan so I said yes. I put {$100.00} dollars down and the payments of {$74.00} every month. 

After this and since I been impacted financially due to the COVID pandemic, I can not afford this payments anymore. I've calling this company for weeks to stop the payments, in every call the representatives said I have to reach " my account manager '' XXXX at XXXX ext XXXX but every time I call this number and extension I get transfer to a voicemail, I already left voice messages but any return call. I feel this is a tactic this company use to prevent the consumers stop making payments. Also I was informed about another bill that Midland Funding is collection something that I fee unfair since they never informed me about it. 

In one of the calls I recently made to Midland Funding, I was informed that I can not be suit due to the statute of limitations, something that contradicts the representative who called me since he told me the company was considering to file a lawsuit against me.
Product: Credit reporting

Experian fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System LLC, addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to abide by the Fair Credit Reporting Act ( FCRA ) protects consumers and promotes the accuracy, fairness, and privacy of personal information in a timely fashion. XXXX  account number XXXX, has incorrect reporting information that has been on my credit report for more than 30 days. I have the receipt that states the balance is {$0.00} and the account is closed, yet it shows as active on my credit report in the amount of {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am DEMANDING that you take immediate action regarding my CFPB complaint. Despite submitting a complaint earlier, I am appalled to see that the fraudulent accounts and information STILL exist on my credit file. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX are UNAUTHORIZED, and I DEMAND that you remove them immediately as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect that you will take swift action and provide me with a written explanation of the steps you have taken to resolve this issue.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed XXXX, TRANSUNION and XXXX furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
List of accounts to be deleted XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Money transfer, virtual currency, or money service

Hi, I've been a Coinbase customer for many years and have $ XXXX worth of crypto in my account. My account was under manual review for weeks now, with no further action communicated to me, or contact to me from Coinbase. 

There are only 2 options Coinbase provided. One is a virtual assistant that basically only says your account is only review and automatically closed the chat. Another is a call option but the wait time is 4 hours. 

I work at XXXX XXXX XXXX in the XXXX department so I'm very familiar with the regulations. In fact, I worked with the XXXX this year on account restrictions. 

Bottom line is Coinbase can not restrict customer 's accounts for months and years. 

Coinbase communicated via a pop up that the account review should only take 1-2 days but so far it's been weeks. 

I am happy to verify my identity but this restriction must be lifted on my account soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Investigation and Removal of Unauthorized Hard Inquiry from Credit Report I am writing to file a formal complaint regarding hard inquiries that were placed on my credit report without my consent or authorization. I believe that this unauthorized inquiry is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 1681c, 1681g, and 1681i. I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inquiry from my credit report.

I am well aware of the FCRA 's provisions that protect consumers from unauthorized or fraudulent activities that negatively impact their credit reports. Section 604 of the FCRA ( 15 U.S.C. 1681b ) clearly stipulates that consumer reporting agencies are required to maintain accurate and fair credit reporting, while Section 611 ( 15 U.S.C. 1681i ) provides consumers with the right to dispute any inaccuracies or unauthorized inquiries on their credit reports. 


The list below is the inquiries located on the credit report that are in violation : ** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ** XXXX XXXX  ** XXXX of XXXX ** XXXX ** XXXX ** XXXX  ** XXXX ** XXXX XXXXXXXX XXXX XXXX fo In addition to these sections, the following provisions of the FCRA also support my complaint : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : This section requires that consumer reporting agencies have reasonable procedures in place to ensure that the information they furnish to creditors is accurate.

2. Section 607 ( 15 U.S.C. 1681e ) : This section mandates that consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. The unauthorized inquiry is evidence of a failure in their procedures. 

XXXX. Section 609 ( 15 U.S.C. 1681g ) : This section outlines the rights of consumers to obtain a copy of their credit report. I exercised this right and discovered the unauthorized hard inquiry, which has negatively impacted my credit score.

4. Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : This section entitles consumers to dispute inaccuracies in their credit reports. I dispute the unauthorized hard inquiry and request its removal from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX  Subject : Dispute of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-compliance with federal regulations.

Under 15 U.S. Code 1681o, you may be held civilly liable for negligent non-compliance if : 1. The reported information is inaccurate, outdated, or unverifiable. 
2. You have failed to properly investigate the dispute and provide sufficient validation of the debt.

3. You have continued to report the account without proper verification, harming my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened due to stolen identity, and was never remover after years of back and forth with Experian Credit Bureau. Now this account has passed the statute of limitation and the date of last activity which is 6 years in Minnesota. It is still on my consumer report. I have sent several request and it is still not removed Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {XXXX}, XXXX written off. 
Status updated XX/XX/XXXX Balance {XXXX} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {XXXX} Original balance {XXXX} Highest balance {XXXX} Terms NA On record until XX/XX/XXXX XXXX
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXX XXXX {$840.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card or prepaid card

XX/XX/2022 - I applied for a Capital One Savory Card, but the application was denied at the time of applying. 
XX/XX/2022 - I realized my XXXX credit report was frozen ; at this time, I scheduled a thaw for XXXX hours to end on XX/XX/2022. 
XX/XX/2022 - I contacted Capital One asking if the denial reason was because of my XXXX report being frozen. The customer service agent could not give me an answer. Shortly after the call, I received an email from Capital One stating why my application was denied. The denial reason states, " Capital One account credits limits are too high '' XX/XX/2022 - I called back into Capital One to ask about the denial reason, I was told that I needed to contact the credit bureaus to get an explanation of my denial reason. I asked to speak to a manager to inform them that I did not understand my denial reason because I do not have a high credit limit, and my credit card balance is only {$50.00}. As a consumer and a long-time customer of Capital One, I am disappointed in the discrimination, unjust, and fiduciary action that has been shown to me during this process. Per Capital One 's denial letter, they pulled credit reports from XXXX, XXXX, XXXX, and XXXX. I informed the manager that this was impossible because my XXXX and XXXX credit reports were and are frozen at the time of the application. The manager asked if I would like for her to run the application once again. But, the damage was done. Capital One blatantly provided false and incorrect information to me regarding my application. Capital One blatantly denied my application for fiduciary reasons. Per FDIC Section 1002.6, a creditor shall not use credit information against an applicant to discriminate against the applicant. 
Per the CCPA, I, as a consumer, should be protected from Capital One 's harmful acts.