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

Context : I had a XXXX XXXX card issued to me many years ago ( roughly since XXXX ), but has been been closed within the past year or so due to inactivity. I did not pursue applying for a new card, and no longer wanted any part of promotional emails regarding their credit card. Regarding this card, I have taken repeated actions of the following with no resolution : XXXX ) Directly through promotional / marketing emails, I have unsubscribed from all options. However, I continue to receive the same emails over the course of many months/ years. This proves that not only do they continue to store customer information without consent, but they are acting in a predatory and dishonest behavior by continuing to send these unwanted emails without any regard to the end customer. XXXX ) I have asked to remove me from any/ all emails going forward. Clearly this request has been ignored as I continue to get them to this day ( last one received XX/XX/XXXX ).
Product: Credit card or prepaid card

On XX/XX/2020 I went to a XXXX store and made a return with my debit card. Return was processed with no problem. Then I tried to use my same debit card for purchase at that same store and it declined. I checked my balance online and it showed {$220.00} available. I then tried to to do a electronic transfer to another account. Which was not possible, I called the bank waited 35 mins and spoke to 2 representatives before the call was dropped but their representative. I called back spoke to a customer service representative who transferred me to customer service protection department who then dropped the call. I called back was on hold for 4 hours spoke to XXXX from customer service protection department at XXXX. Soon after that she dropped the call. I called back spoke to XXXX at the customer service department. She would not spell her name for me this was around XXXX. She then transferred me to her supervisor XXXX with card holder services at around XXXX. After speaking with him for 20 mins he said he could not help me. He told me to I could call back tomorrow when wait times are less or he would have me transferred back into the cue and hold again. After 4 hours of already waiting and having their employees hang up on me. No one will offer help or answers. Its so frustrating. All they say is sorry with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against Credit Reporting Agencies Violation of 15 U.S.C. 1681a Dear CFPB, I am submitting this formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, by the credit reporting agencies XXXX, TransUnion, and XXXX. 

The issue concerns inaccurate reporting of an account issued by XXXX XXXX XXXX. On [ specific date ( s ) ], I identified discrepancies in my credit report that persisted despite my attempts to resolve the matter.

Details of the Dispute : 1. Account History : The XXXX XXXX account in question was in good standing, with no late payments recorded for over XXXX year. I provided documentation to all three credit reporting agencies ( CRAs ) confirming this fact. 


XXXX. Removal of the Account : XXXX, TransUnion, and XXXX removed the account from my credit report after my disputes. However, XXXX XXXX states in their response that the account was accurately reported, creating conflicting information. 


3. Violation of 15 U.S.C. 1681a : The CRAs failed to ensure the maximum possible accuracy of my credit report, as required under the FCRA. This ongoing issue affects my ability to secure credit and reflects a failure to properly investigate and correct errors. 



Supporting Evidence : The XXXX XXXX response letter dated XX/XX/year>, indicating the account 's closure and credit balance refund. 

Correspondence with XXXX, TransUnion, and XXXX showing their removal of the account. 

Documentation confirming my account with XXXX XXXX was in good standing, with no late payments. 


Request for Action : I request the CFPB investigate the CRAs for the following violations : 1. Failing to report my credit information accurately, as required under 15 U.S.C. 1681a.

2. Failing to conduct proper reinvestigations of my disputes, as outlined in 15 U.S.C. 1681i. 



I also request that my credit report be corrected to reflect the accurate and consistent reporting of my XXXX XXXX account. 

Thank you for your attention to this matter. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely,
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 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 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 filing a complaint with the EXPERIAN regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. 

This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.
Product: Money transfer, virtual currency, or money service

This is my second complaint After the first response i recieved last month i have received an additional 2 cards in my name with different accounts attached to them. This happened while all of my information was frozen thus proving that cash.app doesn't use any conventional ways of identity verification before issuing cards and accounts. The response i recieved last month was that I'd be removed from the system and blacklisted. That didn't happen so this complaint is two parts 1. I didn't solicit this service the first time early XX/XX/XXXX, second time mid XX/XX/XXXX, third time or fourth time early XX/XX/XXXX ( over a month after my original complaint was addressed ). 2. My information was not blacklisted as previously stated.
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 1681. 

I have informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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

The dates I received my loans was in XXXX on my credit report it is reporting and stating that I received the loans in XXXX that date is incorrect. I have provided the correct paperwork for the dates I took out these loans. This is only suppose to be reporting for 7 years. The time frame is up to continue to report these loans on my credit. It is making my score go down a tremendous amount. Please take these off my credit reporting profiles.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX. I am a consumer who currently resides at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in XXXX XXXX XXXX I am writing this because I, XXXX XXXX XXXX, Consumer did not give XXXX XXXX XXXX XXXX written instructions or consent to communicate with I, XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This information is true and correct to the best of my knowledge.
Product: Mortgage

Lightening had struck my house and started a fire in the walls. The fire department was called, the fire was put out, and NationStar mortgage and insurance company called and informed of the event. The insurance company sent out their inspectors, who made assessments and quickly issued a check for an amount of {$77000.00}. When our XXXX company actually started to open the walls for all the fire and water damage, they found that the fire and water damage was far more extensive ( another XXXX XXXX dollars worth ) than what the first assessment was. The insurance cut the additional check. 
The problem is that the checks have to come to us, then to the mortgage company. The mortgage company will not release the money to the contractors. They always have some sort of issue with the payments schedule, materials, and anything to hold on to the funds. We have been out of the house for XXXX months, and it is still not fixed, because the mortgage company keeps holding the funds. The house only took XXXX months to get built. Right now we only have XXXX weeks to be out of this temporary apartment. After that we will be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX as account # XXXX has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 Section 604 A Section 2 : it also states consumer reporting agency can not furnish a account without my written Instructions 15 usc 1666b : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : Equifax : [ XXXX  XXXX XXXX ] [ Account Number : XXXX ]
Product: Credit reporting or other personal consumer reports

Dear, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Accounts Due to Identity Theft To Whom It May Concern, I am writing to dispute collection accounts on my credit report that were obtained through identity theft. I recently discovered fraudulent activity on my credit report, and I believe that the following accounts have been placed in collections without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft and have taken the necessary steps to report this crime to the authorities and have filed a police report [ if applicable ]. I have also contacted the affected creditors to inform them of the fraudulent accounts and have provided them with the necessary documentation. I have attached copies of the police report and correspondence with the creditors for your reference. 

I am requesting your assistance in investigating and removing these fraudulent collection accounts from my credit report as soon as possible. I understand that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Given the circumstances, I kindly request that you initiate an investigation into the validity of these collection accounts and remove them from my credit report. 

Enclosed, please find the following documents to support my claim : 1. Copy of my government-issued identification.

2. Copy of the police report.

3. FTC Identity Theft Report I request that you cease all collection efforts related to these fraudulent accounts during the investigation process, as it is my right under the FDCPA. 

Please provide me with written confirmation once the investigation is complete and the fraudulent collection accounts have been removed from my credit report. I understand that you have 30 days to complete this investigation, as per the FCRA guidelines. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue and appreciate your cooperation in rectifying the negative impact of these fraudulent collection accounts on my credit history. 

Sincerely, XXXX XXXX XXXX Enclosures : ID, BANK STATEMENT, COPY OF POLICE REPORT, COPY OF FTC REPORT, & COPY OF XXXX CARD.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft, none of these inquiries are mine. All additional inquires are included in the " Personal Statement '' section of the FTC Report. Please remove ALL of these from my credit reports.
Product: Checking or savings account

I was charged {$2500.00} on XX/XX/XXXX at XXXX for a service that was never recieved called XXXX to XXXX. XXXX refused to provide the service due to " not having a valid ID ''. 

I was then prompted to show my Chase debit card to receive an instant refund that should have showed back to my balance within 24 hours. But the funds never were refunded back to my card, so I disputed the transaction with Chase.

Chase denied the claim because " my pin # was used in the transaction '' which has nothing to do with anything. I am not claiming my card lost/stolen, simply that I did not receive the service I paid for, nor did the funds get refunded back to my Chase account.

Chase also closed my account because somehow disputing the transaction was " a security risk '' and so now I am out of {$2400.00} and I also have no checking account. 

Thanks Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX F XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

this company source XXXXXXXX XXXX unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!
Product: Credit reporting or other personal consumer reports

I have formally filed a dispute with Experian and with XXXX. I have sent XXXX screenshots of the disputed balance and asked for a manager respond letting me know what day and time we could speak by phone to review the account with me by phone. The company had someone call when I was not prepared and they did not call back. I simply asked them to call back when I was not driving and in front of my paperwork. I continue to receive blanket statements that are erroneous about an extra payment that I did not have to make, which they split to pay themselves interest and some toward principal. I revoked the payment learning that they would not apply the entire amount to principal, and when I did they added the amount in total back into principal balance. This increases my principal balance owed to be more than it was before I made the additional payment when it should have returned to the original principal amount before the regular and additional payments were made on XX/XX/XXXX XXXX 

Until this company resolves this matter, my account is under DISPUTE AND SHOULD NOT BE BEING REPORTED TO EXPERIAN, XXXX OR XXXX AT ALL. Additionally, I am only past due, one payment and they are showing I'm past due two payments.
Product: Credit card or prepaid card

I used my Costco XXXX XXXX credit card ( issued by Citibank ) to book the flight ticket ( cost is {$6200.00} ) through a travel agent on XX/XX/XXXX. Two days after my booking date ( XX/XX/XXXX ), another transaction for the same ticket cost ( {$6200.00} ) did happen. I noticed this on XX/XX/XXXX and reached out to the travel agent ( XXXX XXXX ) and they told they will work with the airlines ( XXXX ) as its a technical glitch in the airlines system. I also reached out to the Citibank on the same day and raised a dispute and the system offered conditional credit immediately. There was no update from the travel agent nor the bank for the next few days. 

All of the sudden, bank reversed the conditional credit stating no supporting documents were provided ( on XX/XX/XXXX ). Bank did not send any communication in the first place, though the call center agents claim otherwise. Then I shared all the supporting documents including the credit card statement showing duplicate charge, flight ticket, email conversation with the travel agent in which the agent agreed that it is a duplicate charge. Even after four emails to the dispute department of the bank and three calls to their customer care and multiple escalations, conditional credit is not put in place though they acknowledge that they received the information via email. Due to this, my credit score has dropped badly ( stating high card usage, though I didn't use that amount technically. Note : I have paid the actual ticket cost in full to the bank ). Citibank dispute department has not acted on the dispute ever since it was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I entered into a contract with Santander for a XXXX XXXX XXXX. The payments were made on time and this is reflected until I surrendered the vehicle in XXXX of XXXX. The vehicle per Santander was charged off after bring sold by Santander in XX/XX/XXXX. All of this was reported and reflected on my credit report. Santander updated my credit report to reflect that I made a payment in XX/XX/XXXX and last date of activity as XX/XX/XXXX, which was not true. I reached out to Santander in XXXX of XXXX, to notify them that this information was inaccurate and per FCRA was illegal per their ruling on the re-aging of accounts. Santander updated my report every month to reflect a charge off and last date of activity as XX/XX/XXXX. In both XX/XX/XXXX and XXXX of XXXX they reported that I made a payment, which again was not true and reported my last date of activity as XX/XX/XXXX. They also updated the date of delinquency as 90 days past due as of XX/XX/XXXX which is conflicting information. In XXXX of XXXX, they reported the account as charged off but again updated the days of delinquency to 90 days past due. XXXX, XXXX and XXXX were updated as a payment being made but again the date of delinquency was updated to XX/XX/XXXX and the last date of activity was updated to XX/XX/XXXX. In XXXX of XXXX, the account was reported as charged off, date of delinquency was updated to XX/XX/XXXX and date of last activity was updated to XX/XX/XXXX.