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

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution : XXXX XXXX XXXX : {$900.00}.
Product: Credit card or prepaid card

I am an XXXXXXXX and received XXXX gift cards from XXXX XXXX XXXX as a gift for being on their XXXX XXXX XXXX. 

They sent me one {$50.00} gift card in XX/XX/XXXX and another {$50.00} gift card in XX/XX/XXXX. 

The gift card numbers are as follows : XXXX XXXX I have attempted to use both cards to purchase school supplies for the new school year on XXXX, XXXX ( a local TX grocery store ), XXXX, and my school district website, and both cards do not work at any of these locations ( online or in person ) that I actually shop at. As per the AMEX website 's directions, all of the online merchants I attempted required me to enter the Card number, expiration and security code, but they still didn't work. 

I checked the balance of both cards at https : //balance.amexgiftcard.com/ # /help  and both cards have the full amount I was gifted. I called the " Help '' number twice XXXX and received no help. The call center workers both gave the same answer : I can not use the gift cards at XXXX or the other stores I tried because of fraud protection, those merchants are unauthorized. I asked why would commonly used stores like XXXX, XXXX, and XXXX be considered unauthorized merchants, and the workers said that is what their system says and they can not help me further. I asked if I could have a physical gift card instead of the eGift card ( in hopes that a physical card would work better ), and they said they can not give me anything. I asked if they could " unblock '' the merchants that I frequently shop at since I am verifying that it is myself and not a thief who is trying to use the cards I was gifted, and they said they can not. I asked how they CAN help me to use the {$100.00} worth of gift cards that I have, and the man said to try another merchant, but he wouldn't give me a list of approved merchants AMEX eGift cards allows and doesn't block. 

I'm extremely frustrated because I can not use this very much needed money to buy things I need for XXXX XXXX and it's just sitting in my email - useless. I feel cheated and scammed and I want access to the funds I was gifted without having to jump through so many hoops.
Product: Debt collection

I have requested verification of debt from this company and they will not provide it to me. It says that I opened this XXXX XXXX account XXXX/XXXX/14 and I have proof I was with XXXX at that time! This debt is not mine and I want proof of when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment is reported on my credit report. WFDS had my wrong address, I wasn't receiving any mail-in statements or bills. Online website was changed and I was unable to see any payment requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX : XX/XX/XXXX XXXX : XXXX XXXX  XXXX  : XXXX US DEPT ED : XXXX XXXXXXXX  : XXXX XXXX : XXXX US DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two bankruptcies and from my understanding bankruptcies are supposed to clear all debt. Or the date is supposed to be paid for or cleared and for me to start over. Well look on XXXX and on XXXX  XXXX  and it showing open accounts and that the bankruptcy didnt pay certain things. So for me filing and paying for those fees of bankruptcies I just want whats right and cleared for me to start over. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The original complaint filed against XXXX XXXX and XXXX XXXX Solutions COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt XXXX XXXX and XXXX XXXX XXXX as of XX/XX/2020 has not allowed me to validated or verify the debt they claim I owed and stated to the CFPB all collection will cease until it has been, as of XX/XX/2020 this has not happened. This debt was disputed with equifax and it still being reported by them as a collection debt when all collection has been ceased ... 
The Fair Credit Reporting Act ( FCRA ) gives Americans the right to an accurate and complete credit report. This information I have found to be, incomplete, or inaccurate information on my credit report, I am and have disputed it with the original creditor and the credit agency listed above and demanding it to be removed ASAP copy of the original creditor response to the CFPB is enclosed and of record ... 

According to the FCRA, inaccurate, incomplete, or unverifiable information must be removed. 


EQUIFAX reported by emails around XX/XX/2020 and reported The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # - XXXX The results are : We have verified that this item has been reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX CREDIT FILE : XX/XX/2020 Confirmation # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was wrongfully accused and XXXX  for a crime I didn't commit for which I'm still currently fighting. I was released on bail XX/XX/XXXX. During that time of my XXXX  from XX/XX/XXXX - XX/XX/XXXX my Cash App account was hacked/broken into and a sum of almost {$5000.00} was taken out of my account without my knowledge of knowing or my permission given to do so. Since XXXX or XXXX of XXXX I've been trying to dispute all transactions made even adding a document from my lawyer with proof in it stating when I was XXXX  but cash app keeps closing my case with no answers of why they've done so. But as of today XX/XX/XXXX I had my case reopened and was told by a friend to contact your company to see if could be assisted in this matter. So if there's anything your company can do to help I would greatly appreciate it. If further information is needed please contact me asap. And again I'm a victim that was done and treated unfairly and all I want in the end is to get my money back thank you and be blessed.
Product: Debt collection

Pollack and Rosen was retained by XXXX XXXX to collect on a debt for XXXX XXXX credit card. The debt was filed in XXXX XXXX court XXXX. They served my mother XX/XX/XXXX who is a well documented belligerent drunk who doesnt even know who she is sometimes. I was not notified this even occurred until applying for an apartment for myself and XXXX kids. Upon review I found out they got a default judgement for me because I didnt show up to court. How was I supposed to show up if I had no notice. I havent lived at that address since XXXX! Pollack and Rosen is well known for their shady business practices. Definitely not for the consumer. They dont care about anyone. I lost my job during the pandemic and took a massive paycut. This debt was also disputed as it was partially accrued through identity theft by an ex friend.

Pollack and Rosen also filed suit against me on a XXXX XXXX credit card. It was filed in local court on XX/XX/XXXX and dismissed for lack of validation on XX/XX/XXXX. So I am pretty sure they cant validate legally the other debt either.
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 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Debt collection

Debt was not mine, was removed years ago after the results of a validation/investigation removed it from all credit reports. Debt collector never sent a notice that the debt would be re-inserted into my credit report.
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 Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX has violated my rights. Or 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: Bank account or service

I am showing a {$0.00} balance on my card Rushcard. I have a transaction which is not mine, for {$53.00} and although it 's not a lot, it was my phone and grocery money to the end of the month. I have a dispute number from Rush that was automated and here is that information. This is an automatic acknowledgement to let you know that we have received your inquiry. Your ticket code is XXXX. Please use this code in any further communication. 

If your inquiry is related to specific account information or transactional information please reply with the following authentication information if it was n't already included in your first email : First NameLast NameLast XXXX digits of your Social Security NumberRushCard has recently updated our automated telephone system with several great new features! If you call our toll-free number, please pay careful attention to the new menu prompts to ensure that you choose the correct option. 

You will receive a response to your inquiry within 12 hours. If your request requires more immediate assistance, please feel free to contact us at the toll-free number below. 

To check your account balance and/or recent transactions, please visit us online at www.rushcard.com. 


Thank you, RushCard Member ServicesXXXXXXXXXXXXXXXX have had no contact from Rushcard. I borrowed a friend 's phone and was on hold 2 times totaling 3 hours only to be hung up on. I have private messaged them on XXXX as they asked, and no response. Other numbers and updates have been rhetoric. I am unable to move my upcoming direct deposit because it was too late ( XX/XX/XXXX was the cutoff date & gt ; ). Thousands of posts are made to social media and to the co-founder of Rushcard only to be ignored. I need my money. Today is day 3 since I have eaten last.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to TransUnion onXX/XX/2018, XX/XX/2018 and again on XX/XX/2018. They have refused to verify these accounts and are in violation of the FCRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not believe that Equifax decreased my credit score wrongfully AGAIN despite the fact that I had disputed ( Confirmation number : XXXX, Dispute date : XX/XX/2021 ) months ago for the very exact reason ( Decreasing of my credit score significantly upon a wrongfully late payment remark in our XXXX XXXX ( Auto ) account ). Equifax corrected my credit score after I had provided a letter from XXXX XXXX ( Auto ) showing that I had no delinquency and paid each of my payments on time and in full. Again, this was months ago. 

Today, I found out that Equifax decreased my credit score AGAIN for the very same reason. 

I am attaching a letter -AGAIN- from the aforementioned company in order to be added to my dispute file. 

Please correct this item in my credit report and correct and restore my credit score. 

Thank you for your time. 

Sincerely, XXXX XXXX.
Product: Bank account or service

I made a normal checking account bank deposit at my regular bank branch of {$5500.00} which included a check made out to me for {$4000.00}. The deposit was accepted, but then later I received a letter in the mailing saying the {$4000.00} check was being reduced to {$400.00} XXXX see enclosures XXXX. The check quite clearly says $ XXXX on the XXXX line and " XXXX XXXX '' on the XXXX line. I took this letter to my bank branch and they seemed to agree with me that {$4000.00} was correct, but then I got a XXXX letter saying they would not change it.
Product: Bank account or service

I have not used my Citibank credit card for a period of time. On XX/XX/XXXX, I made a purchase with the credit card. This transaction was successful, but any future transactions were declined. When I called the Citibank customer services, I was notified that my Citibank credit card account was closed on the same day. I did not have any overdue balance and did n't get an explanation why the bank closed down my account. I am concerned that the involuntary closure of my credit card account will affect my credit score.
Product: Credit reporting or other personal consumer reports

Transunion shows XXXX XXXX XXXX XXXX XXXX XXXX Paid in XXXX Charged Off Purchased by another lender and has verified this as accurate. 

The CREDIT REPORTING RESOURCE GUIDE | XXXX Copyright 2020 Consumer Data XXXX XXXX XXXX XXXX XXXX. Question : How should accounts that have been sold to another company be reported. 
Importan.t Notes : Payment history that occurred with the previous lender, which is already on the consumers file, must not be reported by the new lender. Do not report purchased accounts that were included in discharged/completed Bankruptcies. 

A Debt Buyer is a company or individual who purchases accounts ( generally non-performing debts ) with the intent of collecting debts owed. A Third Party Collection Agency is a company or individual who specializes in collecting outstanding debts for other businesses or individuals. 
Report data in the standard Metro 2 Format, including the Header Record.

Accounts must be deleted for the following reasons : Accounts which have been forwarded or sold to another entity ( Debt Buyers ) Accounts of consumers who have filed petitions for Bankruptcy ( Third Party Collection Agencies )
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Midland Funding has been repeatedly calling from all sorts of different numbers and its getting really annoying.
Product: Credit reporting or other personal consumer reports

Account number N/A amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX 15 U.S.C. 1681 section 602A-consumer 's right to privacy. 

15 U.S.C. 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a ''. 

15 U.S.C 1681c { a } 5 ( A ) Reporting information with actual knowledge of errors 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, credit repair services, or other personal consumer reports

The company reported an account improperly to my credit without first notifying me to resolve the issue. 

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

I called the companies and they claim they did not pull my report. I contacted Transunion about these inquiries and they told me it would be removed but it has not XXXX XXXX XXXX XX/XX/XXXX ( Bank ) XXXX ( Bank ). XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XX/XX/XXXX ( Hotel and travel )
Product: Credit reporting or other personal consumer reports

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply yes to the above then : Who did you speak with?

What was the date?

How long was the conversation?

What was their position?

What number did you call?

What is the name of your employee that spoke directly to the above party? What is the position of your employee that spoke to the above party?

How long has that individual been employed by your company?

What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question.

9. Please provide the date of the commencement of delinquency.

10. Please provide the SPECIFIC date reporting of this item will cease.

Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. XX/XX/XXXX All of which work in conjunction with each other, including the TXX/XX/XXXX et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within fourteen ( 14 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I an requesting this procedure in case of disputed accuracy.

15 U.S.C. 1681 Section 602 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX