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

I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( Equifax ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, Equifax, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Product: Credit reporting

I noticed an incorrect item when I received free credit report from Transunion. I contacted data provider ( XXXX XXXX ) immediately and data provider resolved the issue after reviewing the facts. Data provider notified me that data provider will take care of notifying to credit reporting agencies including Transunion. I called Data provider to verify and confirm that they have notified credit reporting agencies and data provider confirmed that all data has been updated with credit reporting agencies. I did not get any notification or revised free credit report from Transunion even after filing dispute with them. But another credit reporting agency, XXXX resolved the issue as soon as data provider resolved the issue. 

Transunion did not take any action on this even after I disputed this specific item online using their website XXXX 
1. I expected notification or revised free credit report from Transunion after incorrect information has been corrected. This did not happen. 
2. I expected an email notification from Transunion after I disputed this item. There is no notification from Transunion. 
3. I am checking the status online daily few times and do n't see any kind of update except that their target date is sometime in XXXX. 

When data provider and another credit reporting agency XXXX XXXX XXXX confirmed that they resolved these issues, why is Transunion not taking any action and why are they ignoring my requests or service provider updates? 

I hope practices of these credit reporting agencies will be reviewed and their standards will be improved to ensure that customer information is kept up-to-date with data providers. There is no need to waste consumers time for data synchronization issues between credit reporting agencies and data providers. I am hoping that Transunion will review data from data provider and take prompt action on this matter. It is really frustrating consumer experience dealing with issues like these that should have never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently sent letters over 45 days ago to these bureaus and they are disregarding a regular consumer disputes. I am stressed and have been sending letters before this and still no response.
Product: Mortgage

I refinanced my mortgage XXXX 2015 I have just taken a look at my credit and seen where my old mortgage company has put a 30 day late on my account that was with them I have emailed and called numerous times each week for over a month now and I have gotten no where with this company but " I am turning this over to my supervisor and you should hear from him within 24 hrs '' that is the same line I hear each time I call I want this removed I 've worked hard to get my credit back in shape. this is not the first time I have had a problem with them the last time was 8 months of getting my escrow refunded and that was the same thing I heard then my supervisor will be handling this same XXXX from before.ive included screenshot of XXXX of my credit report to show the dates for loancare and XXXX who is my new mortgage company for when they took the loan over on XXXX XXXX 2015 I 've included another credit report showing where it is saying that XXXX was late there 's no way any of it was late also included the email I sent to loancare and that is the ticket number they gave me
Product: Credit reporting or other personal consumer reports

I have Account Review Inquiries being reported on my XXXX credit report They are three unauthorized Account Review Inquiries XXXX Requested on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXX These Inquiries are fraudulent!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have both failed in correcting in accurate information only my credit report. I filed a dispute over my New Mexico State student loan what was not valid nor accurate. As well as the lack of information provided by both has been null. I request validation of the debt as well as proof of late payment. They both sent me nothing but stated they were verified without proof.
Product: Debt collection

XXXX offers me a settlement of XXXX to settle the account. When I called back it went up to XXXX and said that was never offered. Said the would review the call and call be back. They called after the settlement due date to say I owe the full ammount. Of XXXX They also like to auto dial my cell and hang out when I answer.
Product: Credit card

On XX/XX/2023, XXXX XXXX, a website hosting company, posted charge on my Sears credit card using credit card information stored previously without my consent. I tried to contact the merchant but got no response. The credit card issuer declined to investigate the improper use of my credit card information.
Product: Debt collection

The company is called Gatestone and is based out of XXXX, AZ. XXXX XXXX is the only name of someone I spoke with that I remember. I receive calls at MINIMUM 2 times a day. My family memebers have each received several calls from this company and have told the company to no call back but they still do.
Product: Debt collection

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( Experian and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting??? I also call Experian on XX/XX/2019 and talk to XXXX about disputing it and she failed to submit my complaint ( please have experian address the failure she did have all my credentials, no excuses they can find her and address it.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX  XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account XXXX XXXX XXXX ( XXXX ) XXXX - XXXX  Account Number : XXXX XXXX INQURIES : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Bank account or service

Bank of America WRONGLY and ELECTRONICALLY debited {$870.00} from my checking account, XXXX. I NEVER authorized a bill pay payment to XXXX XXXX on XXXX/XXXX/2016. They claim I did - I DID NOT. They are REFUSING to refund the money to me. 

This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!
Product: Money transfer, virtual currency, or money service

There has been multiple transactions on my Cash App account throughout the last two years that I have brought to Cash Apps attention, and they have not helped me at all with this. I have been out lots of money when using cash app. I believe this app should be taken away permanently.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights FCRA 605 ( b ) under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX XXXXXXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

Equifax XXXX XXXX XXXX have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information Under FCRA Section 1681 and Civil Liability for Negligence Dear Sir or Mam, I am writing to formally dispute an error on my credit report regarding XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJ Service, Absolute, Portfolio Recovery. I have reviewed the information on my credit report, and it appears that the entry in question is inaccurate or incomplete due to negligence or failure to exercise proper due diligence. 

Under Section 1681 of the Fair Credit Reporting Act ( FCRA ), you are obligated to maintain the accuracy and completeness of all information reported to credit reporting agencies. It is clear that the information in question does not meet these standards, and as a result, it has affected my creditworthiness and caused potential harm to my financial standing.

I believe this error may have occurred due to a lack of reasonable care or failure to properly verify the accuracy of the information before reporting it. As outlined under civil liability for negligence, I am requesting that you investigate this matter promptly and take corrective action by either : Correcting the inaccurate information, Removing the erroneous entry from my report, or Providing an accurate and complete description of the circumstances surrounding the dispute. 
Please consider this letter a formal request to begin the dispute resolution process in compliance with FCRA guidelines, including providing me with the results of your investigation within the legally required time frame of 30 days. 

In addition, if the disputed information is not accurate or verifiable, I expect the relevant item ( s ), XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
to be removed from my credit file in accordance with the law. 

For your reference, I have attached supporting documentation that substantiates my dispute, which may include this utility bill, my social security card and ID. 

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into this matter. If you have any further questions or need additional information, feel free to contact me at XXXX or XXXX. 

Thank you for your attention to this urgent matter. I expect a prompt resolution. 

Sincerely, XXXX XXXX XXXX Enclosures : SS card, utility Bill, Identification.
Product: Checking or savings account

Dear Sir/Madam : I have a problem with the Chase Bank XXXX Office XXXX XXXX XXXX, XXXX, OH XXXX that refuse to open a checking account for me at a local Chase Bank XXXX located in XXXX, New York XXXX XXXX 

I complained to the XXXX Office about this fact, and received a response from them on XX/XX/2021. The Office states in their reply that according to the Deposit Account Agreement that can be found on www.chase.com Web site, the bank has the right to refuse to open an account for any reason or for not reason at all. I have reviewed very carefully the Account Deposit Agreement PDF sheet, and the bank is wrong. The Agreement does not address the account opening ; it only states that chase can close an account for any reason. I am a XXXX individual that would be much helped if I could have an account opened with Chase Bank which is in a very close proximity from where I live. 

I would like to seek your intervention as a bank regulations compliance entity in this matter so you can ensure that all the laws and bank regulations are followed by Chase Bank XXXX Office. Thank you for your assistance in this matter. I will provide my information in the space provided by the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have incorrect information displaying on my credit report from XXXX XXXX Equifax. 

I have reached out on more than one occasion as well as sent dispute letters highlighting all the discrepancies. I was notified that they would investigate and upon completion of the investigation no changes were made to reflect to correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Retail account which does not belong to me keeps showing up on my Equifax report and keeps bringing my score down. I do not have this information with the other 2 bureaus. It says XXXX   XXXX XXXX but i have never had a XXXX XXXX account. It says on my report the account was opened in XXXX but i didnt have any legal documents at that time. My status was changed and i got my social security number in XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I recall that my XXXX went bezerk and shut it off when I turned it on a XXXX screen hover over it and I took it to a repair shop here in florida the repair person told me my phone was hacked and he stated that nothing happend smart of you to turn off the phone, aiat took me five hours to recover all my information as blue screens showed also after that incident I did not pay any mind to it my girl firend and I are engaged and trying to buy a house it is XXXX XXXX when the real estate agent ran my credit XXXX XXXX  accounts showed up as mine nothing of that I dont have a XXXX  card I called XXXX and they told me nothing we can do pay up or we will send collections notification never got any I bessech you helped me and let me get a striaght answer to this neglect
Product: Debt collection

In XXXX of XXXX, I received a bill from the United States Postal Service. It was around {$800.00} for XXXX that was given to me when I was XXXX XXXX XXXX 

In XXXX of XXXX, I paid that bill and it was a total of {$1000.00}. I submitted this for payment on XX/XX/XXXX. 

In XXXX of XXXX, I got noticed that I had a collections due to the Department of Treasury and it showed up on my credit report but I did not receive any information regarding that bill. 
In XXXX of XXXX, My credit report reported that I opened an account with the Department of Treasury and closed it within 1 month for {$280.00}. I was still unsure of what this collection was for. 

In XXXX of XXXX, I got notice that I owed XXXX and I called the XXXX XXXX services to see if this was why and they said that I owed {$280.00} because I did not pay my bill of {$1000.00} before the end of the year. 

I have proof that the bill of {$1000.00} was paid on XX/XX/XXXX of XXXX and that I should have never received a Debt Collection notice on my credit report to begin with because the debt was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXXXXXX XXXXACCOUNT XXXXBALANCE -ACCOUNT OPENED XXXXREPORTED AS COLLECTION UNPAIDXXXXACCOUNT XXXXBALANCE-ACCOUNT OPENED XXXXREPORTED AS CHARGE OFF UNPAIDXXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED ONXXXXREPORTED AS COLLECTION UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX  BANKACCOUNT XXXX $ XXXX OPENED XXXXREPORTED AS CHARGE OFF UNPAIDXXXX XXXXXXXX XXXX XXXX NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS REPOSSESSEDXXXX XXXXACCOUNT XXXX $ XXXX OPENED XXXXREPORTED AS CHARGE OFF. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.