23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ally is incorrectly reporting a {$24.00} missed payment from XX/XX/XXXX. Section 623 ( a ) ( 5 ) ( A ) of the FCRA prohibits a credit reporting agency from reporting a delinquent debt that is more than 7 years after the first missed payment. Ally, however, is reporting the date that Ally wrote ( sometime in XXXX ) off the debt as the date of the first missed payment. This delinquency will remain on my credit report until XXXX if Ally does not correct their reporting, which is 15 years after the original missed payment.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have made several attempts to dispute with XXXX, Equifax, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention.

It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
- Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These alleged negative claims lack sufficient evidence to support their accuracy and compliance with legal guidelines. Therefore, I demand the expungement and deletion of all derogatory and adverse markings associated with these accounts. 
Furthermore, I insist on your compliance with the Fair Credit Reporting Act ( FCRA ) and METRO 2 reporting requirements. You are obligated to provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Failure to do so within 30 days will result in legal action, including but not limited to filing a claim in federal court. 
I want to emphasize that my intention is not to dispute ownership or responsibility for these accounts. Rather, I seek transparency and accountability in the reporting process. If you are unable to substantiate the claims made in my credit report, I expect them to be promptly removed or updated to reflect accurate information. 
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to this dispute. 
Sincerely,
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report, I want this fraudulent account to be removed from my credit report immediately because it hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of fraud regarding an account called " XXXX XXXX XXXX  '' on my credit report. i sent a letter of fraud disclosing a form of the FTC REPORT # XXXX with a request to block fraudulent account as it states in the FCRA-605B and the company refuses to block or remove account from my credit report that is preventing me from receiving credit
Product: Credit card or prepaid card

I signed up for a Citi XXXX XXXX savings account under promotion ID # XXXX and immediately funded the {$10000.00} required for the " Additional Miles '' The promotion read : " As an ongoing bonus, benefit from : 25 % more miles, incrementally earned on Citi AAdvantage card purchases up to {$50000.00} spent per year when you maintain a minimum average balance of {$10000.00}. '' I did the qualifying event - depositing {$10000.00} immediately and have maintained that balance since XX/XX/2020. I have continued to use my AAdvantage card but have not received the 25 % bonus miles on any of my statements. In the App I show as not having qualified, though representatives on the phone agree that I did indeed meet the qualification criteria. I have opened multiple cases with Citibank over the past 12 months. All cases have been unresolved with no action taken to resolve it. 

I have also faxed this information to Citibank and received no response.
Product: Money transfer, virtual currency, or money service

I  XXXX  from   XXXX   XXXX   XXXX     where I was in the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     administered by    XXXX   XXXX  . On or about   XXXX   XXXX   2017 I submitted a form to    XXXX    to roll over the {$30000.00} I had in the   XXXX   XXXX   to my money   XXXX   XXXX   XXXX   XXXX  ..
The problem is that as of this writing I still have not received my money. I have a written dialog of the various phone calls I have had with  XXXX  service desk. As of now, I have had 10 phone calls with  XXXX  trying to get an answer as to where my money is. What I get is a new agent each time to whom I need to re-state the case from the beginning. And each time, there is a new story or a new twist. The agents at  XXXX  say that the problem is with Bank of New York Mellon who is the Trustee. They continue to send the checks to the wrong account. And I am now told I have to wait until BONY recovers the money from wherever they sent it.It is now   XXXX   XXXX    almost two months and    XXXX   can not seem to get this resolved. Soon the 60 day rollover period will expire and I may be liable for taxes on the money. I have written notes on every conversation if someone would like to review them.
I am at my witts end and I am desperately seeking someone who can get me my mone y.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  N.J.    XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Duplicate Account Information on Credit Report Experian, this account is also in the COLLECTION. On XX/XX/year>, I obtained the result of my reinvestigation inquiry of XX/XX/year>, for the account XXXX XXXX You failed to reinvestigate this account properly, on XX/XX/year>, this account was posted on my consumer report as collection from another institution. This inaccurate information is falsely manipulated. You failed to reinvestigate this account properly and your neglect has violated my rights. 
I have enclosed copies of relevant documents to support my claim, including statements from both institutions and my identification documents on this CFPB complaint of today XX/XX/year>. 
Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the account duplication and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Alerted XXXX  XXXX XXXX and Wells Fargo we have been scammed from a client of Wells Fargo for our closing money/down payment for our home we were purchasing. The fraud person was pretending to be sellers attorney asking for the payment through wire transfer to not delay the closing due to the corona virus pandemic and money was sent via wire transfer on ( XX/XX/2020 ) the money was sent and the day of closing ( XX/XX/2020 ) we found out it was a fraud/scammer! Now XXXX  and Wells Fargo are not doing a better job of returning my funds back from this scammer! I can provide more documentation if requested
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; 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 Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX bankruptcy discharged U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : XXXX
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX which I am leasing from XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone number XXXX. The purchase date is XX/XX/XXXX. Since I have purchased it I have had to take it back to the shop four times so far, and will be making another trip back as the issue still is not resolved. It was taken in on XX/XX/XXXX and was in the shop until XX/XX/XXXX for the horn not working and a squeaking noise when turning the wheel. I explained to them the day after I bought the vehicle that it felt like something was loose underneath, when I picked the car up on XX/XX/XXXX, the issue was not resolved, I still heard the noise when driving. I called XXXX XXXX and explained the situation which at this point I felt like they were not listening or properly checking over my vehicle. I took it back into the shop to get looked at on XX/XX/XXXX. They stated they needed to replace the control arm and exhaust pipe. I advised them the day after I purchased the vehicle of these issues and they assured me that all the vehicles go through a safety check before being sold, which clearly mines hadn't or they would have addressed these issues before selling it to me. I got the vehicle back the same day XX/XX/XXXX and honestly I still heard a noise. I proceeded to drive the vehicle in hopes that it would pass, it did not. I contacted them again and they advised me to bring it in on XX/XX/XXXX which at that point I was told it needed a wheel bearing. I received my vehicle back on XX/XX/XXXX only for it to break down on me two months later I explained the situation to them and let them know it needs a rear wheel alignment as well because I was pulled over by the police for the tread wearing out on my back tires and was told I should have never been sold a vehicle in that condition ; at that point I was told the engine blew and I needed a new engine. I took it BACK into the shop on XX/XX/XXXX and received it on XX/XX/XXXX and was advised they replaced the engine and I had to personally purchase tires because they refused to test drive it with the tires that originally came on the vehicle when it was sold to me. I received my vehicle back on XX/XX/XXXX with a crack in the windshield which was NEVER there before, the check engine light is back on, my air condition doesn't work ( which it was working fine before they replaced the engine and the noise is still underneath as if the wheel bearing was never replaced and it feels very unstable when I drive as if something is going to break. I believe I was sold a lemon and just want the vehicle to be in good condition for my family and my safety. I feel very unsafe driving this vehicle. I own a XXXX and it's been very reliable and I have never been lied to as much as I have with XXXX XXXX and this is very frustrating and disheartening since I am not in a ( lease ) with this vehicle and am expected to pay {$11000.00} for a car that I believe is a lemon.
Product: Credit reporting or other personal consumer reports

we have contacted the credit agencies several times to correct the inaccuracies on my credit report
Product: Money transfer, virtual currency, or money service

This is about COINBASE.COM. 

They are holding everyone money if you send out, they have no way to contact them except you write them a ticket, and when you do that they do not respond to your ticket. 

Thousands of people have their funds with them, and I know it will be up to {>= $1,000,000} which they have with them. When you request to send money to another XXXX customer or for service payment, They do not process them and they do not say a reason why. 

Please, we need this fixed ASAP. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX ( orginal XXXX ) at # XXXX XXXX -- XXXX XXXX XXXX XXXX  XXXX XXXX -- XXXX XXXX XXXX Act # 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What Compliant? 
Lexis Nexis HealthCare Records What type of Problem? 
Negligent Phone Responses in gathering Data Records in a Dispute or Correct in Collecting and Selling Personal Information for the use on Credit Determination. 

What Happened? 
In XX/XX/1998, HR Managers at my Employment, ( XXXX XXXX ) Violated the Court Rules in Hiring Employees that ' are not. Entitled for Recruitment/Hire at my Place of Employment. Upon, my Forced Layoff and Number of Numerous attempts in Accidents, I was Forced to Relocate to XXXX XXXX, And then XXXX, Where ' Conditioning of Domestic XXXX and Domestic Finance made cause ' for the Continuing Conditions of aWrongful Death recognized ' by, Law Enforcement, Government Agencies, the Courts and Judges. 

What Company? 
Lexis Nexis Who is Involved? 
XXXX XXXX Lexis Nexis
Product: Credit card or prepaid card

On XX/XX/2022, I reported my Vanilla Gift Card stolen, I went thru the process of reporting it to the company and filed a report with them about the card I filled out multiple forms gave them complaint number and still I'm getting the run around the said 90 days it's been over days. I would like a replacement card that I asked for or a refund. I have yet to receive either!
Product: Debt collection

I called XXXXXXXX XXXX  3 years after moving out asking about my deposit. Before moving out in XX/XX/XXXXXXXX  I was helped by a lady named of XXXX XXXX who helped me out in the moving process. I left all my new information with her liked she asked me to for when they cut my deposit check she would forward it to my new address, and NEVER received it. XX/XX/XXXXXXXX  I contacted XXXX XXXX asking about my deposit check the guy was rude and asked me for my information when I asked if he could verify the charges. He said someone from the office would contact me. Instead of someone from XXXX Two weeks later I see a collection from KIMBALL TIREY & ST J ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) for the amount of {$210.00}. Date Opened XXXX. I emailed XXXX XXXX in XXXX to find out that she no longer works there also tried to contact the manager and he is not there either as of XX/XX/XXXXXXXX   no response from anyone, but these credit ppl. The two people that can verify I don't owe this debt that XXXX owe me my deposit. I have been told by other residents that this has happened to others also. I would like this removed from my report. XXXX has deleted it XXXX and XXXX has not. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account number : 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 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.

I CAN PROVE I WAS DISCOURAGED TO PAY WHILE IN THE DISPUTE PROCESS.

I CAN PROVE I WAS DENIED ACCESS TO THE ACCOUNT TO RETRIEVE DISPUTE UPDATES AND MAKE PAYMENTS. 

I CAN PROVE XXXX TOOK ACCOUNTABILITY FOR THE MISHANDLING OF THE DISPUTE. 

I CAN PROVE XXXX PROMISED TO REMOVE/ CORRECT THE NEGATIVE REMARKS. 

I CAN PROVE XXXX RENEGED ON THEIR ACCOUNTABILITY AND RESOLUTION AND WITHOUT MY CONSENT AND DECIDED TO CREDIT ME FOR LATE PAYMENTS VS ADDRESSING THE VERY DAMAGING AND INACCURATE REPORTING. 

I CAN ALSO PROVE THAT I WAS COERCED TO MAKE A PAYMENT ON XX/XX/31 AFTER I WAS LIED TO ABOUT CORRECTIONS THAT WAS SUPPOSED TO BE MADE AND THAT PAYMENT STILL DID NOT REFLECT ON THE REPORT. 

DESPITE MY FAMILY PURCHASING A VACATION RENTAL DESCRIBED AS MODERN W/ *PRIVATE* POOL & JACUZZI, I CAN PROVE XXXX FEELS THE HOST IS ENTITLED TO BE PAID ALTHOUGH THEY ILLEGALLY RECORDED MYSELF, HUSBAND & XXXX MINOR CHILDREN. 

XXXX XXXX ALSO WAS USED TO PAY FOR PART OF THIS BILL AND THEY DETERMINED THE OPPOSITE. 

XXXX HAS MADE ME A VICTIM OF THEIR UNFAIR PRACTICES AND POLICIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a call from a supposedly loan officer to receive my information about a loan that was submitted however, I never submitted the loan and my information he already had which includes my credit report personal identification address and phone numbers and email. The law officer attempted to collect information regarding my bank and my Social Security, although he already have my social. He tried to gain access to my bank and stated he was from a lending club in California although Ive never submitted a application to that company.