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

Recently I looked at a copy of my credit report and noticed several inaccuracies on 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 : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX # XXXX NY XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have had a Frontier Mastercard from Barclays for several years. I have earned over XXXX points. 
I have been inactive with this card for almost 2 years due to serious eye problems that kept me from using the computer, reading clearly, or having screen time. 
After XXXX operations and XXXX doctors I am doing much better. I am now able to at least call people and read simple things with a magnifying glass. 
When I called the company for an update on my points I was told that they expired two days before I called. I called on Tuesday the XX/XX/XXXX. Seems odd. 
No amount of reasoning with the rep was successful. 
The card company has had zero correspondence with us. 
The total points that have been confiscated are XXXX, XXXX -- -about {$400.00} lost.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : All Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX Please delete the following employer : XXXX XXXX The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$34000.00} XXXX  {$36000.00} XXXX - {$36000.00} XXXX XXXX XXXX XXXX CHARGE OFF EF History : XX/XX/XXXX ; -- -- -- -- -- -- -- XXXX -- Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CHARGED OFF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$32000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF EF Late Dates : LAST LATE DATE XX/XX/XXXX CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS ; CHARGED OFF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$51000.00} XXXX {$51000.00} XXXX - {$51000.00} XXXX XXXX XXXX XXXX CHARGE OFF EF Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My XXXX XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 

XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with Chase Bank online. The next day, I went into my local branch and deposited a {$69000.00} check expecting a 7-10 business day clearance period. However, due to the holidays, I returned on XX/XX/XXXX, only to receive a letter threatening account closure. Upon inquiry, I learned the check was placed on hold due to a third-party verification issue. 
The third party, an old friend with a changed number, readily cooperated with Chase 's verification attempt. Despite this, Chase refused to release my funds, citing the outdated phone number as their sole reason. Even after the third party visited the bank and personally verified their identity, the specialist callously dismissed him and hung up. 
Frustrated and emotionally distraught, I filed a formal complaint with the branch manager, XXXX XXXX. She attempted to resolve the issue by contacting customer service again, eventually reaching a more helpful specialist who verified the check with XXXX XXXX. However, a " hold harmless agreement '' and an additional 5-day wait were imposed. 
Adding to the confusion, I received another letter stating my account was denied due to a low credit score, despite it not being a concern during the initial opening. By XX/XX/XXXX, the account was closed. Thankfully, XXXX persisted and reached a Level III fraud specialist who reopened the account within a day. However, the promised 5-day release of the funds never materialized. 
Today, XX/XX/XXXX, the account remains closed, and Chase claims the check is " in the mail '' without providing any details or a delivery date. This entire ordeal has caused me immense emotional distress, financial hardship due to missed bills, and a deep sense of racial and age discrimination. I believe Chase deliberately took advantage of my situation and exploited my funds for their own gain.
Product: Credit card or prepaid card

TD Bank made it extremely difficult to use my rewards ( which was 35000 points last time I checked ). My phone number and email both changed, and because I was in a state with no TD branch, it was impossible for me to access my online account, despite calling in multiple times. Because of the lack of access to my account, I was also unable to receive notifications about my bill/pay my bill, leading to revocation of my card and points. 

Had I had access to my account, I would have utilized the points immediately. But TD 's burdensome process to get access to my account made it difficult/nearly impossible to utilize my points, ultimately leading to its forfeiture
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the following laws Section 604 15 U.S. Code 1681 B Section 605 A 15 U.S. Code 1681 C-1 Section 605 B 15 U.S. Code 1681 C-2 The below accounts are showing on my report and should be removed ASAP, XXXX XXXX for {$13000.00} XXXX XXXX  for {$1400.00} XXXX XXXX for {$2200.00}
Product: Credit reporting or other personal consumer reports

The credit reporting agency EQUIFAX is in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Equifax Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT.

This section states - A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2 ) The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX  ). 
According to the law referenced, EQUIFAX must remove the following unauthorized inquires that were pulled and furnished on my report without my written authorization and permissible purpose Immediately : According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer.
Product: Debt collection

On XXXX XXXX I sent a debt validation letter 15 USC 1692g certified mail to Debt Recovery Solution, LLC at XXXX XXXX XXXX in XXXX, NY XXXX about an debt for XXXX that I'm unaware of asking them to send me a detailed list of payment history made by me, I asked to see signature that I put on contract saying I would pay, if there had been any insurance claim filed on the debt, and proof they have chain of title to collect on debt.i gave them 30 days to respond and instead they contacted the credit bureau and flagged it on XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX XXXX stating that my debts with Navient Private Education Loan are now settled. When I paid these balances with XXXX XXXX XXXX XXXX XXXX, Navient would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XXXX and for XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was deceptively charged for a recurring service that I never signed up for, or was not made aware that I signed up for. 

I received ZERO communication via email, regular mail, or via phone from Experian that I had a recurring service from them and was being charged to my XXXX XXXX credit card. 

I had no access to the service either, as again, I never received ANY communication from them, so I never received a username and password or any instructions on how to access the recurring service. I, to this day, have not used the service they signed me up for, and since it 's just a website with a credit report on it, never received anything from them, nor did they incur any costs since nothing was ever delivered. 

I did, on a one time basis, access my credit report in XX/XX/XXXX, after the XXXX hack. That charge was for {$4.00}. I assume that they signed me up for the recurring service then, and deceptively did not CLEARLY state I was signing up for a service. 

I discovered the issue last year in XX/XX/XXXX when I reviewed my XXXX XXXX credit card statements and realized the recurring charges. I initially attempted to contact Experian, but could not reach them after being on hold over the phone for over an hour. So I then sent a dispute to XXXX XXXX XXXX. After several weeks ( was traveling to see family over XXXX ) with no response from XXXX XXXX, I contacted them again to dispute the charges. Yesterday, I finally received several emails from XXXX XXXX indicating that the charges would be rebilled to my account. 

I then contacted Experian again this morning by calling XXXX and was on hold for over 1 hour and 30 minutes ( I have a screenshot to prove it ) and was finally able to get a customer service agent on the phone. 

The customer service agent I spoke with is named 'XXXX ' on team 'XXXX ' within the customer service center. This agent said that they could not remove the charges. I then spoke with his manager 'XXXX ' (  agent # XXXX ) and she would not remove the charges either. 

The charges total {$170.00}. The charges occurred from XX/XX/XXXX - XX/XX/XXXX. Please see the attached screenshot of the charges from my online XXXX XXXX account.
Product: Money transfer, virtual currency, or money service

square is a company owned by Block , Inc . 

My square account received an email from the square XX/XX/XXXXin XX/XX/XXXX! My square account was deactivated and I was unable to pay the balance in my account for 90 days, and the account balance was transferred to my bank account within XXXX business days after the 90 days were completed! 
As of now, I still have not received my due funds and square has not released the due funds in my account! 

I need to get my account back! That's all, square can continue to deactivate my account after I complete the payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX BALANCE : {$1800.00} XXXX XXXX XXXX XXXX BALANCE : {$440.00} 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.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed a collection posted. The creditor listed was XXXX XXXX XXXX XXXX '. I have never heard of this company, had any type of association with this company, and have never opened any account with them. I filled a dispute with all three credit bureaus, and after they supposedly investigated, they claimed the information was correct and the debt remains on my credit report. The debt balance is {$1300.00}. The collection agency is XXXX XXXX XXXX. Beyond filing disputes with the XXXX credit bureaus, I don't know what else I can do to get a resolution as a victim of consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XX/XX/1992 XXXX In accordance with the Fair Credit Reporting act XXXX XXXX supervisor at XXXX  has violated my rights. And receptionist XXXX was very unprofessional and rude. 
Also XXXX and Experian were all the same but XXXX was the most inhumane and disgusting experience I've ever experienced after speaking with all of them I didn't feel like I had any rights as a American. I let them know if any account not associated to XXXX XXXX XXXX XXXX XXXX, FL XXXX is not mine but they were all rude and disgusting and violated these specific rights below. This is un acceptable and I demand different all accounts not associated to my lifetime address to date To immediately remove all addresses and accounts not associated to XXXX XXXX XXXX XXXX XXXX to address XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 consu
mer reporting agency can not furnish a account without my written consent. 

XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, The Company Fortiva retaliate by closing my Fotiva account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from Fortiva removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a paym
ent as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pur
pose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this inform ation was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It wa
s never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX & XXXX XXXX XXXX Dear Sir or Madame : Your company recently investigated and supposedly verified the above referenced account. I have contacted this company recently via registered mail requesting " Validation ''. I have yet to receive a reply from them. Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for your consideration. The FCRA maintains that the reporter of the account validates the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process. However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the accounts in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information can not provide any information linking me to said account. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX That being said, you have three options : -Delete the accounts based on the evidence supplied by me -Provide the Procedures used to verify the account -Do nothing and face a small claims court lawsuit Note : A simple list of creditor names and numbers will not be considered Procedural Evidence - I request the exact means of verification along with the names and numbers of all individuals involved in the verification. I will state again for the record - The account is not mine and the reporter of the account will not verify. Please delete the account or provide the requested information. Please reply to my request with deletion or the requested information within 15 days as prescribed by law. 

Sincerely, XXXX XXXX
Product: Debt collection

Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX XXXX XX/XX/2023 Collection of {$31.00} Text received XXXX informing me of attempt to collect debt of {$31.00} on behalf of XXXX XXXX. 
I believe I have already paid this bill prior to going to collections and have attempted several calls to the phone number provided on mailed letter and texts received from Credit Collection Services. 

When I have called I've been directly placed in a " hold position '' that states my call should be picked up in X minutes. 

My first call to CCS resulted in my call placed on hold for almost XXXX hours and at XXXX XXXX the call was disconnected. 

XXXX call began at XXXX, wait time to be XXXX minutes, after XXXX hours XXXX minutes the call was disconnected. 

I assume CCS representatives disconnected my call because it was XXXX and they were off work and the call XX/XX/2023 had a longer hold time because I called during the lunch hour of XXXX. But I will never know as they do not want to speak with callers. Awful customer service! 

I know that emails are accepted communication but XXXX XXXX for a living and have more time for phone calls than writing emails.