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

I came across some incorrect accounts on my credit report this morning, and I have no idea how they appeared. I routinely review my credit report, but this time, I noticed unexplained discrepancies. I even refreshed my browser to check if it was a technical issue, but the errors didnt go away. Therefore, I am requesting that my submitted documents be carefully examined so I can put this concern behind me.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Dear sirs : I have used XXXX for buying and selling XXXX for over a year. For no apparent reason I have been shut out for over XXXX months now. Can not buy or sell, or get my money out. When I try to buy or sell a note comes up saying I need to provide more identification information. Yet, after re-loading my drivers license several times, and receiving an email from XXXX saying " Successful ' the orange XXXX note keeps coming up XXXX more identification '. My recent letter to XXXX is attached in this complaint. No response from Coinbase re my letter or anything. 
I WANT MY MONEY BACK!
Product: Credit card or prepaid card

After three years of XXXX and many problem merchants, I have reconciled my statements and confused with constant rebilling ( original transaction ) along with Purchase adjustment ( Credit for transaction ) I sent XXXX packages thru XXXX XXXX to XXXX, my luck all three packages lost and I asked XXXX XXXX Capital One for delivery receipts and I have NOT received any documentation to date of lost packages or acceptance by XXXX XX/XX/XXXX Statement XX/XX/XXXX Purchase Adjustment ( airline tickets ) ( {$200.00} ) XX/XX/XXXX Transaction Rebill XXXX I read this to mean no credit for this purchase XX/XX/XXXX Statement XX/XX/XXXX {$29.00} XX/XX/XXXX Transaction Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$29.00} ) XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Statement XX/XX/XXXX XX/XX/XXXX ( {$28.00} ) Thus it appears there was not a credit for both {$29.00} and {$28.00} (! ) XX/XX/XXXX Statement XX/XX/XXXX XX/XX/XXXX {$85.00} ( XXXX XXXX package sent ) XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) Thus above transaction was paid and no credit given as requested XX/XX/XXXX Statement Trans Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$64.00} ) XXXX Statement XXXX XX/XX/XXXX XX/XX/XXXX {$64.00} XX/XX/XXXX XX/XX/XXXX ( {$64.00} ) The above clearly shows a credit of {$64.00} XXXX Statement XXXX Trans Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) XX/XX/XXXX XX/XX/XXXX {$85.00} XXXX Statement XXXX XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) The above clearly shows a credit of {$85.00} Please clearly explain the process of rebill ( original transaction purchase (? ) ) and Purchase Adjustment ( credit? ) Why the many rebills which is very confusing and adding vagueness to understanding the monthly statements.

I hope afeter three years of COVID we can resolve all this and move on
Product: Prepaid card

My card, PIN, and ID was compromised. I 've told Amex this several times and they 're telling me they the charges are valid and I can not contest to it further. They also shut down my account that 's been opened with them for a while. These are the only fraudulent transactions I 've ever encountered on this card and they 're refusing to reimburse me, they also refused to give me documentation as to why my claim was denied. They wo n't even tell me why the transactions are valid over the phone. They did n't even file the dispute correctly, they owe me more than {$740.00}. That 's the total they 're claiming that I filed for. I can not get thru to them or do anything about this!!!
Product: Credit card

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Debt collection

This Corrections claim is inaccurate. Why after 2 years of not being on my credit report this is suddenly appeared with XXXX, XX/XX/XXXX. I have had medical coverage since XX/XX/XXXX. 
Not Acceptable.
Product: Credit reporting or other personal consumer reports

Unresolved Credit Dispute Regarding Inaccurate Information I am filing this complaint regarding an unresolved credit reporting dispute with XXXX, XXXX, and XXXX concerning inaccurate and unverifiable information reported by Credit Acceptance on my credit report. 

On XX/XX/XXXX, I sent a debt validation request to Credit Acceptance via certified mail, requesting proof of the validity of this debt. Under FCRA Section 609 ( a ) ( 1 ) and Section 611 ( a ), I have the right to request and receive verification of disputed information. Credit Acceptance failed to respond to my validation request within the required timeframe. 

On XX/XX/XXXX, I filed disputes with XXXX, XXXX, and XXXX, requesting an investigation into this account based on its unverifiable and inaccurate status. Despite my efforts, the account remains on my credit report with no supporting evidence provided by Credit Acceptance to verify the accuracy of the information. 

The account in question is : Creditor Name : Credit Acceptance Account Number : XXXX Violations and Concerns : The credit bureaus continue to report inaccurate and unverifiable information, which violates FCRA Section 611 ( a ) requiring reasonable reinvestigation. 
Credit Acceptance failed to validate the debt upon request, in violation of FDCPA Section 809 ( b ). 
The failure to validate or remove this account has negatively impacted my creditworthiness, resulting in denied financial opportunities and unnecessary stress. 

I am requesting that the CFPB investigate this matter and require XXXX, XXXX, and XXXX to : 1. Conduct a thorough reinvestigation into my dispute.

2. Remove the unverifiable/inaccurate information reported by Credit Acceptance from my credit file.

3. Provide a written confirmation of the corrective actions taken. 

I have attached the following : A copy of my debt validation request sent to Credit Acceptance ( dated XX/XX/XXXX ). 
Proof of mailing ( certified mail receipt ) for the debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old AAFES military star account was closed in late XXXXearly XXXX. It recently was updated on my credit reports saying it closed in XXXX and that I had late payments in XXXX and XXXX. 

I could not have had any late payments those years as the account was closed many years ago. I want this error corrected on my report and the account years and payment dates updated with accurate dates reflecting closure in XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to transunion regarding the disclosure of my consumer report to a third collection company XXXX XXXX XXXX.. i asked for the express written consent form, that says that transunion can share non public information with that third party collection company XXXX XXXX XXXX?. As you know I am a private living person with THE RIGHT TO PRIVACY///// YET TRANSUNION ILLEGALLY DECIDE TO DO A SHARE OF MY PRIVATE INFORMATION. I HAVE THE RIGHT TO PRIVACY .... 

FTC Matter/File Number XXXX XXXX XXXX Civil Action Number XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX The FTC taking action against XXXXXXXX XXXX XXXXXXXX XXXX XXXX for its lax data security practices that exposed sensitive information about millions of its customers and employees, including Social Security numbers, email addresses and passwords.

FTC Matter/File Number XXXX The Federal Trade Commission is taking action against the online alcohol marketplace XXXX  and its CEO XXXX XXXX XXXX XXXX XXXX that the companys security failures led to a data breach exposing the personal information of about XXXX XXXX consumers. 

XXXX XXXX XXXX, FTC v. 

FTC XXXX Number XXXX Docket Number XXXX XXXX XXXX FTC XXXX Number XXXX XXXX Civil Action Number XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my XXXX XXXX This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my XXXX XXXX accurately reflects my payment history. I request written confirmation once the late payment has been removed from my XXXX XXXX.
Product: Checking or savings account

Regarding XXXX and XXXX Hi! 
I am writing to respond to Chase regarding the privacy breach concern. The time of the phone call with the representative was at XXXX until XXXX on XX/XX/. The representative on the Phone acknowledged that there was another customer on the line due to a glitch in the system. I called the Chase team immediately after to express my concern and the team increased security measures on my account as a result of the situation, thus acknowledging that another individual was on the line and had the potential to listen to my private information, putting my account at risk.
Product: Debt collection

Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, Reported : XXXX XXXX, 2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision
Product: Mortgage

Re : Specialized Loan Servicing ( SLS ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SLS has lost, or deliberately refused to post a payment sent on XX/XX/2020. Without this payment posted, this account will push to 3 months late ( even with COVID-19 forbearance ) AND they threatened to push this account to foreclosure. Numerous messages, documentation, proof of payments and they refused to work with me. I asked to resolve this matter first before I send another payment to ensure that my payment would not be lost again, but they refused to acknowledge and want to proceed to foreclosure. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been working on cleaning up my insurance claims history file with Lexis Nexis, when I discovered it had a lot of wrong personal information. Three names ( not mine ) Multiple addresses ( not mine ). I have called 6 different times over the last 4 month and went line by line disputing misinformation, however each time the report was mailed it still had the same misinformation. The last two times I asked to have my California report deleted which apparently a consumer in California can do, but each time the report has not been deleted. I am at my wits end with this company. Also multiple times I have asked to speak with a supervisor only to have the customer service rep create a ticket for a supervisor call back ( they say within 24-48hours ), however a supervisor call has never been received. The last call to Lexis Nexis was on XXXX and I spoke with XXXX in reference to report & case # XXXX, # XXXX with consumer # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX, XXXX EQUIFAX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT
Product: Credit reporting or other personal consumer reports

I previously submitted complaint # XXXX under the category fees. I have now been forced to submit an additional claim as the collections department employees at Bank of America are giving me conflicting stories as to what the {$38.00} negative credit reporting amount actually is. One agent states they are late fees while two other employees tell me they are revised charge amounts under a zero interest credit card program although they never notified me of the revised payment requests. They go on to say they dont have to formally notify consumers of revised terms in such a manner consistent with e-bills or mailed statements alotting time to pay. For example, the supervisor said over a recorded line they finalized a bill on XX/XX/year> that was due by XX/XX/year> that would orherwise report me as 30 days late. The supervisor even admitted over recorded line a portion of the amount if from XX/XX/year> billing cycle even though XXXX is not even over. When asked to explain how that is even legal he said BOA is authorized to report 30 days past due given the type of accounting system they have. How is this legal in the United States? Its not and I need help making these practices public for all to see.
Product: Payday loan, title loan, or personal loan

The loan is advertised as 12 months interest fee with a 24 month term. Before making the purchase and agreeing to the terms presented online, I thoroughly read the information. No where did it explain the 12 month interest free period and how the finance charges would be calculated. I called and spoke to 2 company representatives at Citizen 's One on XX/XX/XXXX and again on XX/XX/XXXX to ask if there would be an early payoff penalty if I paid the loan within the 12 months interest free period. They said there wouldn't be but also could not point me to anywhere in the terms where the promotional period was explained in writing. Trusting that their information was correct, since I heard the same from XXXX different people, I made the purchase on XX/XX/XXXX. I paid the loan in full XX/XX/XXXX. After the payoff, I noticed they sent me another statement with a balance. I called and talked to multiple people ( XXXX and XXXX ). They opened ticket XXXX. I never heard back from the company, all the while more fees were accruing. On XX/XX/XXXX, I called back and spoke to XXXX. He said I had to pay the amount owed and the interest was correct. The company never disclosed this and the website where I bought the treadmill advertises as 12 months interest free. Citizens One is not properly disclosing the interest calculation and I feel cheated and lied to about the offer. I would have certainly met any deadline had they disclosed properly in writing as I believe is required or at least explained it correctly when I spoke to them. Their information : Citizens Bank XXXX XXXX XXXX XXXX  XXXX, RI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX XXXX and Transunion still shows an outstanding balance.
Product: Debt collection

Portfolio Recovery has been calling my home number literally for years. They never leave a message. I see their name and number on the caller ID and then block the number, but they continue to call using other numbers. I 've lost track of how many numbers I 've blocked. We have never received written notice of any debt, and owe no collectible debts, as we have superb credit. They call often, from any time in the morning to late in the evening. I 've emailed their complaints department several times to no avail. I will not answer their harassing phone calls, and am hoping that the CFPB can intervene and help stop these unwanted calls.
Product: Debt collection

I never opened this account. Never agreed or contradicting with this company in any shape form both implied and certainly not ever in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to be on my credit report.
Product: Credit reporting or other personal consumer reports

In early year 2024, I discovered an account from XXXX XXXX on my credit report that I did not open or authorize. The account, reported as charged off, reflects usage and payments that were not made by me. I immediately filed disputes with the credit bureaus and contacted XXXX XXXX to request evidence of my authorization for the account. Despite my efforts, the investigation concluded incorrectly, stating the account was valid. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 1681i ) and 605B ( 1681c-2 ), I have the right to dispute inaccurate information and have fraudulent accounts removed from my credit file. Additionally, Section 623 ( 1681s-2 ) prohibits creditors from furnishing false or unverifiable information to the credit reporting agencies. The presence of this account on my credit report violates these rights. 

I have also filed a police report and an FTC Identity Theft Affidavit to document this fraudulent activity. If this account is not removed promptly and corrective action is not taken, I am prepared to pursue legal remedies, including filing a lawsuit for damages resulting from the inaccurate reporting and failure to comply with federal law. I demand the immediate deletion of this account.
Product: Prepaid card

I made a dispute with CHASE for a transaction of {$720.00} on XX/XX/year> and the reason for the claim is I bought something overseas and I did not receive my item. However I have bought things before and got them so when making this dispute the seller sent tracking numbers that had nothing to do with my dispute and I provided all the proof for Chase to see that the seller is lying and is trying to act like the tracking numbers are for my purchases and I have also found out that the seller sells counterfeit items. Before making the decision chase did not contact me or anything they just sided with the seller.
Product: Credit card or prepaid card

On XX/XX/2021 I called Chase Credit card for Southwest Rapid Rewards to complain about how southwest airlines has devalued their points to purchase tickets. I spoke with XXXX. I asked for my {$99.00} fee to be returned and close the account. She said that they could not do that after 90 days. She then offered to give me a pro-rated amount back of the annual fee. She could not tell me exactly how much it would be. I said OK. They did not give me a pro-rated amount of the annual fee of {$99.00}. I have since spoke with two different supervisors and they were not sorry and restated their policy that after 90 days there is on refund of the fee. I spoke with XXXX XXXX and XXXX. I asked XXXX if their company had integrity and she said they did, but refused to reopen my account or refund and portion of the fee. They refused to let me talk to a supervisor. If the first rep had not offered to pro-rate my refund then I would not have closed the account.