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

I have sent multiple disputes and made phone calls to remove the medical bills with no resolution the last two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act COMENITYBANK/VICTORIASSECRET account # xxxxxxxxxxxx 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: Checking or savings account

I had an account at NOVO they closed the account and have kept my funds. They have no contact phone number just email and they don't respond.
Product: Debt collection

{$620.00} lj ross company. I never receive written documents telling me i need to pay balance before they added it to my credit.
Product: Debt collection

The company is XXXX XXXX working for " Check N Go ''. They have called me every day for a month repeatedly claiming to be a process server. They threaten to come to my home NOW. They ask for money. I asked for details in writing and they refused. I explained it is not on my credit report and they said " it wouldn't be ''. They are harrasing gme constantly with abusive language. Today XX/XX/15 they called 5 times in a row at XXXX claiming they were on their way to my home and to have my ID ready or they will pound down the door.
Product: Credit reporting or other personal consumer reports

Im writing to dispute INACCURATE information reporting on my credit report. I have also enclosed statements and payment information to prove payment was paid in a timely manner. XXXX  XXXX XXXX XXXX account # XXXX was never late. On XX/XX/XXXX the XX/XX/XXXX statement was for {$600.00} due on XX/XX/XXXX. I paid {$64.00} on XX/XX/XXXX. I also paid {$540.00} on XX/XX/XXXX for a grand total of {$600.00}. This payment was paid before the due date and the balance due was overpaid by XXXX. 

Also, for the XX/XX/XXXX payment a payment of {$41.00} was due XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. I also made a payment of {$100.00} on XX/XX/XXXX. I made a total payment of {$200.00} before the due date of XX/XX/XXXX. The payment due was {$41.00}. I made a total payment of {$200.00} I paid {$150.00} over the required payment. I have provided Experian proof payments were made timely in addition to the actual statements and this information has not been corrected. This account is greatly affecting my credit report because this account is showing 30 days late despite my proof that this account was paid timely. XXXX  XXXX XXXX XXXX had not corrected this account. In addition, they have continued to report this account 30 days late in XX/XX/XXXX to the XXXX major credit reporting companies which are Experian, XXXX, and XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX payment reported XX/XX/XXXX NEVER LATE See Documentation Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX  XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit repor
Product: Credit reporting or other personal consumer reports

i have hard inquires with XXXX, XXXX XXXX, and XXXX embrace  home loan. I havent been able to open new accounts.
Product: Credit reporting or other personal consumer reports

This complaint is with TransUnion I dont have a middle name! My name is XXXX XXXX! I dont know who XXXX XXXX XXXX XXXX. Also I have no hard inquiry on my reports but its still showing reporting and its fraud. Please review XXXX reports which show more accurately
Product: Credit card or prepaid card

In XXXX my card was lost and found by a theif who used it at these locations XXXX/XXXX/XXXX 1. XXXX {$7.00} 2. XXXX - {$3.00} 3. Taxi - {$8.00} 4. XXXX - {$15.00} XXXX/XXXX/XXXX 1. XXXX - {$16.00} 2. Taxi - {$15.00} 3. Taxi - {$6.00} 4. XXXX - {$820.00} ( 3 transactions ) 5. XXXX - {$30.00} ( 2 transactions ) 6. XXXX - {$100.00} ( 8 transactions ) I realized it was missing and immediately froze my account, claimed stolen, and had a new one issued. Because they were pending I had to wait until the charges hit before I could dispute. Discover is known for 0 % liability for any unauthorized charges. So after the report I thought nothing of it. After a couple weeks I was advised by fraud department that a police report may help, but with the liability I was assured for by customer service rep who filed the report for me I put it at my low end of priorities because XXXX PD is hard to work with. I created an online police report, called in the temporary case number, and moved on with my life. A couple months later I was accused of making the charges because 1 ) I did n't give a perfect police report ( and supposedly the XXXX told the fraud agent I did n't give all the information ) 2 ) The vendors had been used by me before and not been listed as fraud. This is unfair because someone picked up my card and used it in my neighborhood obviously. I called to appeal and was advised by fraud rudely that it was not fraud but she 'd get me to a specialist the specialist was nice and re-opened the case also not agreeing with the decision because it 's easy to use a stolen card at stores in the area since someone would want to use it right away. I was also advised a police report would help but since XXXX is n't willing to work over the phone or online it 's become difficult with my work hours to ever get there. I call today and now need the XXXX to work with Discover. They need to both open and assign a case to an officer. Then the officer will have to get tangible evidence ( videos, a suspect, etc ) in order for this decision to be turned around and charges to be credited. THIS IS A NIGHTMARE I have no correspondence. I have only phone calls and the dates of fraud. However, they have all calls noted. PLEASE HELP ME! This is horrifying. The police will not do that. And, even if they did how would they know who the culprit using the card was?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/inquiries listed IMMEDIATELY.
Product: Checking or savings account

Last night on XX/XX/19 I went to the gas station to get gas, PNC overdrew my account while getting gas because the systems werent correctly updated with my funds. I checked my online account at midnight on XX/XX/19 to see if there was a negative balance since I knew it let my account get possibly overdrawn to XXXX, instead of stopping the gas pump like it usually does. This morning when I looking at my account there was a small negative balance + {$36.00} overdraft fee. 

PNC systems never update ( on their online or mobile systems ), so it doesnt show your correct available funds, leading to and overdraw of one time debit card payments when not authorized to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my social security number was used to open a fraudulent account. I immediately notified the company and was able to successfully close the account. I then contacted Equifax to dispute the new account and notify them it was a fraudulent account. The Equifax representative on the phone refused to process the dispute unless I signed up for the Equifax ID Patrol. 

I ended up signing up for their product and was able to temporarily freeze my credit, however I have repeated disputed the fraudulent account over the past 2 years and Equifax refuses to remove the fraudulent account from my credit report. This fraudulent account damaged my credit score for months. 

Furthermore, after spending hundreds of dollars on Equifax credit monitoring services, Equifax failed to notify me that my information had been leaked in the most recent Equifax hack ( announced by the company on XXXX/XXXX/XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Payday loan, title loan, or personal loan

Interest rates are too high that paying more or the minimum reduce the total cost of how much I owe. It would go up. And the tike to payoff loan takes much longer than usual. I would also deposit a high amount of money but with interest it does not make a difference reducing how much I owe.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : Accounts that need to be removed 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Removal of Personal Information Due to Domestic Abuse, Identity Theft, and Safety Concerns. 

Transition, XXXX, XXXX and other reporting agencies. 

I am writing to urgently request the removal of all addresses and phone numbers associated with my credit report due to the following reasons : XXXX XXXX : As a survivor XXXX XXXX XXXX, the presence of my personal information in your records significantly endangers my safety. The XXXX  may use this information to locate me, which places me at imminent risk of further harm. 

Identity Theft : I have been a victim of identity theft, and my personal data being accessible increases the chances of further fraudulent activities that could cause severe financial damage. 

Safety Concerns : The retention of my personal information by TransUnion, XXXX, and XXXX and other reporting agencies compromises my safety and privacy. Given the circumstances, it is imperative that my data be removed to prevent any further threats. 

I request that you take immediate action to remove all addresses and phone numbers from my credit report. Please confirm in writing once these details have been successfully removed. 

Thank you for your prompt attention to this critical matter. I appreciate your understanding and cooperation in ensuring my safety and well-being.
Product: Credit card or prepaid card

Approximately two weeks ago, I had received correspondence from American Express inviting me to apply for the AMEX Gold Card by XX/XX/2021, and offering me a substantial bonus of points if I did so. I understood this to be a pre-selected pre-qualified card offer, given the bonus points that were being offered. 

I applied for the AMEX Gold Card shortly thereafter but was denied. I applied for the AMEX Plum Card ( which has lower qualification standards than the Gold Card ), but was also denied. A couple of days later, I was sent correspondence stating that the reason my card application was denied was due to risky credit factors ( generally ). 

-- I am asserting that American Express sent a promotional offer/solicitation, for which it had no desire to follow through on. I am summarizing the aforementioned assertion as a 'bait-and-switch '. 
- The general risky credit factors that were AMEX 's reason to deny me the card, were already known to AMEX prior to me filling out the card application. Additionally, I already have an AMEX card ( secured ) ; due to this, American Express already has more details about my credit file than a 'potential customer '. 

-- American Express 's expected rebuttal of 'all credit applications are different ' is also countered, by stating that it is American Express that sent the solicitation to apply for the credit/charge card. It is American Express that pushed an 'urgent deadline ' to receive points, and it is American Express 's mailer/solicitation which did not contain any information indicating that the solicitation was a general-purpose solicitation or that credit was not likely to be approved.
Product: Debt collection

this maybe somewhat similar post but is not this has more information, and now will be held in the XXXX XXXX XXXX and a XXXX Pound note against each individual committing crimes against me. Forgery is a Crime. Black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt of the bank owes to the federal reserve, go to jail. ( CONFEDERATIONS in 2018 XXXX XXXX COURT MARTIAL LAW RULER JURISDICTIONS ) 24 hours to respond to the XXXX XXXX XXXX XXXX, SOVEREIGN AUTHORITY and JURISDICTION FOR AMERICANS. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Debt collection

I co-signed a loan for my daughter with XXXX XXXX. Out of the blue yesterday I was served. I have never received any correspondence from XXXX XXXX, in the summons it states there were two companies that purchase the loan. I never received anything from either company until yesterday that I was served. Thia loan went from XXXX XXXX to XXXX XXXX XXXX and then XXXX XXXX XXXX who is the one that is issuing the lawsuit. I have no information, and I have never received anything from any of the companies mentioned above. How in the world do you just start a lawsuit without ever contacting the co-signor? Why not first start with the primary person that took out the loan and give her the opportunity to work on a resolution? There is another co-signor who was also served by the same company who was not provided any information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all of the accounts listed below be blocked and deleted from my credit reports, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The accounts listed below are fraudulent and do not belong to me. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. AFFIRM XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Inquiries Linked to Fraudulent Accounts : XXXX. XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX
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 XXXX XXXX XXXX. 

XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX