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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 


3. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX  Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I had a credit limit of {$6000.00} on a Chase freedom unlimited card. I took some time off work and used my card for just over {$5300.00}. Chase then dropped my limit down to {$4500.00}, while my balance was {$5300.00}. This put my credit utilization to 117 % and dropped my credit score by 72 points in one day. However, chase sends me pre-approved offers every month to increase my credit line, but when I attempt to use an offer it claims the offer is expired. I called Chase for a credit increase and they denied me. This is unethical. They're the reason my credit is now XXXX when it was XXXX before they completely ruined me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fain Credit Reporting act XXXX Account number XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) XXXX # 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 : states a consumer reporting agency can not furnish an account without my written instructions. XXXX, Transunion, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  ( XXXX ), XXXX and/or any other private/public sector credit agency/bureau written consent or instruction to furnish said reporting.

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

After learning that my information was leaked in Equifax 's data breach I combed over my reports and found several accounts that I XXXX XXXX, did not authorize to be open nor listed on my consumer report. I have reached out to XXXX, Equifax, XXXX and listed companies to inform them all that they are in violation of the FRCA in many ways. My right to privacy and having a report 100 % free of inaccuracies is a law not an option. I am tried of the credit bureaus claiming said accounts have been verified and when I ask for proof I hear back nothing. when I called and asked for proof I was told " we don't send these documents ''. This is a crime! I am a victim and If I can't resolve this issue I will have to make this a legal matter. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud
Product: Credit reporting or other personal consumer reports

Experian his failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, l am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's Inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received multiple credit bureau alerts that a new XXXX XXXX XXXX card account was added to my credit bureaus, which is totally fine, however the problem is that XXXX XXXX reported the incorrect balance to the bureaus. 

At the time of my statement closing on XX/XX/XXXX, my balance was only 2 % of my total credit line, however, XXXX XXXX reported the balance showing 96 % of my credit line which is totally incorrect, because the additional charges on the card took place 4 days after the statement for XXXX had already closed. As a result of this incorrect information being reported, my credit score dropped across all three bureaus. 

When I reached out to XXXX XXXX to get this problem corrected, they first told me that the issue would be resolved in 10 business days, however, when I reached out today, to get an updated status, the rep told me that the dispute would taking 90 days to be resolved. As a consumer and credit card customer, I am totally disturbed by this because XXXX XXXX is not displaying any sense of urgency to correct a mistake that they made, and are telling me that I have to be subject to their dispute process that will take 3 billing cycles to correct. 

I am a very responsible credit card user and pay my revolving credit balances down to less than 10 % every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I  was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I contacted FTC and my local police. XXXX. XXXX, XXXX  XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX XXXX XXXX. In 2017, my loan was transferred to another lender away from XXXX and XXXX refuses to update the " Payment Status '' of this account from " 120 day past due '' to " Account Sold or Transferred to another Lender ''. The account is NOT 120 past due or delinquent, as XXXX  is no longer the holder of this account. This account should reflect as paid with XXXX, XXXX, XXXX. I have placed a call into XXXX about this issue and spoke with Customer Service who confirmed that she was sending an email to a XXXX XXXX to request for this information to be updated on my credit report. This was not done as promised. Hence, I am filing a complaint. I have disputed the information with the 3 credit bureaus and the results came back VERIFIED, which is incorrect. I'd like written proof of what the verification process was to verify that this account status was correct. This account needs to updated accurately or removed from my credit profile immediately. Thank you.
Product: Checking or savings account

Capital Ones outage has caused issues to my ability to access my fund. This is due to deposits not being accessible. It has caused issues with paying bills and causes late fees.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian XXXX XXXX for FCRA Violations To Whom It May Concern, This is a formal complaint against Experian XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) in response to my recent disputes regarding inaccuracies on my credit report. I submitted a dispute concerning several discrepancies with the accounts associated with XXXX XXXX XXXX ( XXXX ), account numbers : XXXX. 

As of today, more than 30 days have passed, and Experian XXXX XXXX has not provided corrections to the inaccuracies nor a satisfactory explanation regarding the results of their investigation. This failure is a violation of multiple provisions of the FCRA, including but not limited to : 1. Duty to Investigate ( 15 U.S.C. 1681i ) : Experian XXXX XXXX is required to conduct a reasonable investigation of disputes regarding the accuracy of information in a consumers file. 
2. Duty to Correct Inaccuracies ( 15 U.S.C. 1681e ( b ) ) : Experian & XXXX must ensure the maximum possible accuracy of the information in a consumers credit file. 
XXXX. Duty to Communicate Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Experian XXXX XXXX is obligated to notify me of the results of their investigation within 30 days and provide an explanation if the information was deemed accurate. 

XXXX & Experians lack of action has not only failed to meet these statutory requirements but also caused significant harm to my credit profile and peace of mind. 



Sincerely, XXXX XXXX
Product: Debt collection

This company called me XXXX XXXX, 2016 regarding a debt that I have no knowledge of. I have never heard of the company and the man was harrassing and said I must file a police report. I stated no I did not have to do anything, but by FDCPA they were required to send me a notice in writing regarding this alleged debt. They have the incorrect employer, bank account and email address that they stated they have on file for me. I was transferred to a supposed manager and he was threatening to me and harrassing when I asked repeatedly for their mailing address. He asked for what? I stated to mail correspondence. He then went on and said, let 's see, we are going to find out what property you have and take a lien against it and we are going to charge you with fraud and I stated again please provide me with your mailing address. After several attempts he finally provided it to me. This company is not licensed to do business in my state and they are trying to use illegal tactics to get people to pay debts that do not belong to them.
Product: Money transfer, virtual currency, or money service

Cash app allowed some users defrauded me due multiple times for over {$1000.00} due to not being able to contact someone to help, there was no number to call and I was told to settle things up with my bank instead of them.
Product: Credit card or prepaid card

I opened a Capital One XXXXXXXX XXXX card in XXXX of this year and have been using it as my primary card ever since. I signed up for it when they were offering a XXXX sign-up bonus for $ XXXX spent in the XXXX 6 months. I've been paying off the card fully every month and only charging about 5-10 % of my total limit every month. Up until a few weeks ago, I hadn't had any problems and customer service was very helpful the few times I called them with quick questions. However, a couple of weeks ago this completely changed. 

My card was restricted after I tried to book a hotel which I do very frequently with this card as it is a travel card and I do travel often. I was told that my account was restricted because they supposedly detected fraud from this purchase. They sent me an email with a link to upload a form of identification to verify my identity. Wanting to get my account back ASAP, I uploaded a picture of my driver 's license, passport, and US Military ID. They said it can take up to 7-10 days to process, so I waited ... and nothing happened. A couple of days ago I called customer service looking for an update as my account was still restricted and I had heard nothing from them. The lady informed me that they couldn't verify my identity from the XXXX documents I provided and she asked for more ; a social security card and bank statement. I sent these and called back a day later to see if there was an update. To my surprise, they told me that they still could not validate my identity and that they permanently restricted my account. I asked what I could do to verify my identity and get my account back and I was told " there is nothing we can do to fix this, you need to pay off the balance and close the account. '' Utterly bewildered by this statement I called back hoping to get someone more helpful, but they said the same. This comes at the time when I am extremely close to reaching my XXXX point sign-up bonus which makes this feel almost intentional. I do not understand how I can call a company about a problem that they created and when I ask how to resolve it, I simply get " there is nothing that we can do. ''
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Self reported a late payment for my Self XXXX  Credit card, when in fact, I had already made the minimum payment and had in fact, paid it EARLY. As of XX/XX/XXXX, their own app is showing no late payments, and shows the history of when I made payments to them. 

Yet, Self appears to not be utilizing their own information because they continued to report false information anyways, which is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

This is between my dad and uncle I have never paid the account - Single time and it shows no payments. It has been open XXXX years almost. And its been through bankruptcy not once have I ever signed, received, or paid anything.
Product: Checking or savings account

I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, " XXXX XXXX ''. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have a Us bank business Account number XXXX, and Routing number XXXX. Our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX exemption status, Us bank business account number XXXX, Routing number XXXX are partially closed without the XXXX XXXX XXXX XXXXXXXX XXXX, authorization or merit. The Us bank business account XXXX are partially closed with {$21000.00} dollars on hold, inside the Us bank business account, and blocking XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Board of Directors access to the {$21000.00} Capital without any explanation. Us bank Corporate are using Unfair business practice, Deceptive Trade practice, and unfair competitive actions against our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Us bank Corporate Office, Unfair business practice against XXXX XXXX XXXX XXXX XXXX non-profit organization are deemed as a form of discrimination from within Us bank managerXXXX Branch XXXX This Unfair business practice action by Us bank XXXX XXXX XXXX XXXX XXXX XXXX are aimed to destroy XXXX XXXX XXXX XXXX XXXX XXXX, growth and expansion in the United States Of America 's Economic system.
Product: Credit card or prepaid card

I opened a Delta Gold Skymiles card with American Express in earlyXX/XX/XXXX. The promotion I enrolled in was XXXX Delta Skymiles for spending XXXX   within the first three months. I did this before the end of XX/XX/XXXX. Since then I have been trying to get my bonus miles and given nothing but excuses. First I was told I was being investigated for misuse. They would not elaborate on this. Around XX/XX/XXXX I was told the investigation was complete and I would have my miles in XX/XX/XXXX. I called twice in XX/XX/XXXX and was given responses ranging from I will have the miles by the end of XX/XX/XXXX, to I will have them the first week of XX/XX/XXXX. At this point I have been calling a few times a month since XX/XX/XXXX and have gotten little to no answers and none of the bonus miles I was promised. The Amex case code is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Experian for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!
Product: Checking or savings account

I've been consistently denied every time I attempt to open various types of accounts, including brokerage, checking, and savings accounts. I'm frustrated by the rejections and eager to understand the reasons behind them. It's becoming increasingly bothersome, and I'm actively working to resolve the underlying issues causing these denials.
Product: Credit card or prepaid card

Dear Sir/ Madam, My hardship began after moving back to states in XX/XX/XXXX with our XXXX children and husband. My husband was employed overseas for almost decade but faced health issues upon arrival to the states. I was not working for 10 years ( raising our children and supporting my husband ) and with my husband not being able to find work related to his field and having XXXX XXXX- I secured a job to make sure that we had control of our finances. Up until moving to the states, my husband income was enough where we were able to pay our mortgage, and 6 credit cards on time. From the time that I started working I able to continue maintenance of all our debt. Its was not until XXXX of XXXX that my company started laying off their employees. I survived the many waives of reduction in force- however there was a reduction in loan volume and ultimately a reduction in the bonus and commission. My income had significantly reduced and It started to become really difficult juggling all our debt in a timely fashion and still put food on the table while keeping our lights on. I reached out to my credit card companies and explained my situation. I had 3 accounts with XXXX and after a few calls they quickly worked out a plan where they reduced my interest to 0 % for 5 years and a low payment plan to be paid automatically. I called up my mortgage company and they paused my mortgage because my hardship was COVID related. I had no success with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I received a copy of my XXXX and XXXX report and notice that XXXX XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX  removed the account from my credit profile.
Product: Credit reporting

I applied for my free credit report on XX/XX/2016 but never received it from Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold info to a non affiliate third party XXXX XXXX company. That is considered identity theft, I don't believe that XXXX XXXX XXXX have proper paperwork to collect in Fl. Also uploaded a letter decribing all of the consumer laws broken by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

My information was used to obtain a credit card that I didnt not file for. 

XXXX XXXX XX/XX/scrub> 2024 {$13000.00}