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

There are some collection accounts on my report that are incorrect. I will like them investigated and removed from my report. One is XXXX/Bridgecrest account # XXXXXXXX XXXX/Bridgecrest account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS IN VIOLATION OF 603. Definitions ; rules of construction. This company refuses to take off accounts that have been deleted to ensure accuracy of my consumer reports. I will provide proof of deletions below.

[ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Vehicle loan or lease

I contacted BMW Financial Services about the late reporting on my credit report. The representative was nice, he let me know that the late is going to removed if I wrote in a letter explaining my situation and he did let me know that i do have the assistance on my file. He said he was going to help me. I ' am a disaster victim and I had the disaster assistance on my account. I had the late reporting with BMW on XX/XX/2018. After the investigation was over BMW Financial Services did nothing for me I called spoke to a supervisor her name was XXXX, She said they wont do anything, because they don't care about the circumstances that I was in. This is extremely upsetting and I'm very disappointed of the out come .I had to do what was safe for my family and evacuate from the situation.
Product: Prepaid card

My unemployment card with Bank of America EDD has several disputes ( XXXX for {$5200.00} and XXXX for {$5100.00} ) that has been taking awhile with no new updates or indication theyre being worked on so I would like the bank to work and finish these claims to credit me money that I lost back as they did with my other claim for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX  XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

On  XXXX   XXXX ,  XXXX  I entered a grocery store that had an inside  Wells Fargo Branch.  I closed my WF HSA account, Ref. #  XXXX , and received the {$18.00} remaining balance.   As of  XXXX   XXXX ,  XXXX  I do not have an insurance plan that offers an  HSA, an d would not be making any further deposits.     On  XXXX   XXXX ,  XXXX  I received an overdraft notice of {$11.00} dated  XXXX   XXXX ,  XXXX  from  XXXX . When I spoke to  XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX  stated that my account had been transferred to  XXXX  the next day or  XXXX   XXXX ,  XXXX . My first question is why would  WF t ransfer a closed account to a second bank? My second question is why did it take 7 months to let me know there was an overdraft issue?     When I take the next step to complete my complaint, the  HSA c hoice is not there to submit the problem to be addressed. Another banking shell game ... '' '' guess '' who is responsible and we 'll let them know they are in error ''.
Product: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet XXXX XXXXExperian/XXXX XXXX did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections.

- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX ssn. 
XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal inquiries that appears related to the aforementioned. I've attached a list of the hard inquiries in question as well as a copy of the consumer I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. inquiries 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 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 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 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 XXXXThe aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address
Product: Bank account or service

I received an offer via XXXX mail for a {$200.00} bonus for opening a new account with Citizen 's Bank I followed all instructions to the letter, even opening a for the required checking account opened on XX/XX/XXXX in the Stop/Shop Branch. The bank said the bonus be would be paid in XX/XX/XXXX. or XX/XX/XXXX ; but now are asking many questions and ma king making excuses not to pay it. On XXXX XXXX AGAIN I went to bank and asked for the bonus, the teller said he would call me later but did not. 








XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Dispute and Cease and Desist Notice - Account Number : XXXX To Whom It May Concern, I am writing regarding a debt reported on my credit report by LVNV Funding LLC, with a last report date of XX/XX/2024, concerning an open balance of {$880.00} related to XXXX XXXX XXXX XXXX. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am disputing this debt and demand a detailed validation of it. I assert my rights for accurate and honest communication regarding this matter. 

Furthermore, this letter serves as a formal cease and desist notice regarding all telephone communications. I request that any further communications be conducted in writing only, as per my rights under the FDCPA. 

I expect this matter to be reviewed promptly and a written acknowledgment of the validation of this debt, or its removal from my credit report, should no validation be provided. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is the reference number : XXXX. I had a XXXX pre-paid service plan and I have a XXXX from XXXX Not that XXXX company. The people in the XXXX XXXX phone service company did keep telling myself that I could and can not have a coinccendent like two XXXX. They know that I do not have a XXXX XXXX, but they say that I have never in all eternity, had a woman on my credit report and signature. I pay all My bills myself, the XXXX of the woman, that has no car no bank account, can stay in the house with her XXXX and not get with myself. I am a XXXX XXXX and do not wish or want to be harassed or hazed or hindered.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently found out about a default judgment from Zions Bank from back in XX/XX/XXXX. This came out after I applied for a mortgage. My wife and I do not recall being served. I was ill during this time, and was diagnosed with a XXXX. I am XXXX. I looked into the service of process. It was allegedly served in in XX/XX/XXXX. The service was returned by XXXX in XXXX, Arizona. The owner of the company is XXXX. Zions Bank attorney XXXX is the person who asked for the service. I found out this XXXX was dissolved by the XXXX for not complying with Arizona State Law. This makes the service of process void. I believe that Zions Bank was aware of these facts and had this illegal company serving fake documents and then obtaining default judgments. I will attach documentation to this effect Please forward this to the Federal Trade Commission. How many other unsuspecting people did this happen to. Maybe some type of class action lawsuit is appropriate. Zions Bank is ultimately responsible as the lawyer and process server worked for them. I am also going to contact the Arizona media, and see if Channel 3 will do some type of investigation.
Product: Checking or savings account

XXXX has been charging me numerous of times and after already taking money and Im not understanding what all the charges are. Ive also been getting overdrafts MULTIPLE times on numerous occasions when Ive had money in my account when I check before making a purchase!

Although I did not document it or think to so I do not have the dates Im sure its in my bank history.
Product: Debt collection

Ok so I was charged for my daughter 's birth. I had XXXX and still do have XXXX, my health insurance should have covered the birthday of my child. She was born in XXXX. It's been on my credit this entire time with derogatory remarks I've tried to dispute this a ton of times. But they won't change there opinion, and I had health insurance during that time. It's a false charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX  {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting the exact same student loan history as XXXX. These loans have never been late and have always been paid on time or in deferrment. XXXX continues to sporadically report late payments in XX/XX/XXXXand XXXX. They receive the same information as XXXX and they are the only ones reporting it correctly.
Product: Credit card

This letter certifies that I, XXXX XXXX XXXX , am a victim of fraud because of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX a former employee with the XXXX XXXX XXXX . Recently, I filed Case # XXXX with XXXXXXXX XXXX XXXX because of a breach of my XXXX XXXX number. I received an alert on XX/XX/XXXX and again on XX/XX/XXXX. I called a XXXX  team member at XXXX and they verified a credit inquiry at Home Deport with Citibank. I have never applied for a line of credit at this store. In fact, I am in the process of rebuilding my credit and have not applied for new credit since XXXX. In addition, I am unfamiliar with the street address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. I reside in Florida. 

Please add this statement to my credit report. I am disputing all and future inquiries related to this information. I have established a credit fraud alert as preventative measure. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase bank will decide who I can spend MY money with. They have no right to censor purchases based on a whim, if I am trying to buy something from a legal vendor they have no right to deny it based on how it affects their business. Chase is trying to block payments to crypto exchanges because it directly affects their business model. If you have a chase account please consider moving all of your accounts to a different organization that won't restrict where you can spend your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX Original balance- {$120.00} Account XXXX XXXX XXXX  Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX Account type-Installment Status-not more than four payments past due Status updated-XXXX XXXX  Past due amount -- - Original balance- XXXX XXXX  Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Mortgage

I obtained a home loan from Chase mortgage in XXXX when I bought my home. In XX/XX/XXXX XXXX Mortgage bought my loan from Chase. I still use them and re-financed with them in XXXX. Chase mortgage is still showing on all 3 of my credit reports that I made late payments to them in XXXX & XXXX, when they DID NOT have my mortgage any longer. One of the credit agencies is saying it is too late to dispute because the account has been closed for so long but I am being denied a loan, for something else, because of the negative reports. 
I have attached documentation of both companies showing a mortgage at the same time. I have ONE home and ONE mortgage!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard credit inquiry done by Credco without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.