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. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account # - XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number. 

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have contacted Transunion several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX LexisNexis sent me an documented letter stating that they had removed the bankruptcy from my consumer report. Then I received a letter XX/XX/XXXX stating that LexisNexis has verified the Bankruptcy as accurate and to contact the court. Which I have and in the attachments you will be able to view. My Drivers License, my Social Security Card and the letters from LexisNexis and the Courts. They are illegally keeping a negative item on my credit. Which is hurting my ability to by a home or obtain credit
Product: Checking or savings account

XXXX an fraudulent account was opened without my knowledge. I didn't notice account until reviewing my consumer report XXXX XXXX i believe my idenity was stolen ad compromised by close relatives.
Product: Debt collection

Attempts to contact this company to aquire information have been unsuccessful. From what I can tell they are trying to collect on some form of a payday loan, that I never took out, for {$960.00}. I filed a police report as I believe my identity was stolen, but nothing ever came of it.
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. 

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

I am writing to dispute the following items which I believe appearing to be erroneous in my file. These items are having a negative effect on my credit score. Therefore it needs to be verified and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}. 

Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

1692b. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 




Collection Account with Original Lender XXXX XXXX XXXX is currently being handled by an out of state debt collection agency by the name of National Credit System whose address is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX This is a violation of my rights as a consumer and this agency has no right to attempt to collect a debt from a Texas resident. I am requesting permanent deletion of this account on my Transunion and XXXX credit reports.
Product: Debt collection

First, I did not receive documentation that I was able to dispute. So, I was under the impression I had no rights and the only way to take care of the account was to pay. When I did learn my rights I contacted the creditor by certified letter that was delivered on the XXXX of last month. In this letter I asked that the creditor validate the debt. The company hasn't responded. I also called to speak with them about it and got the run around. This is a request for debt validation and the legal required proof and a dispute of the account. I have included a copy of the delivery date of the certified letter along with the return receipt.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 XX/XX/year> 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 payment 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 purpose, 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was 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 or other personal consumer reports

We received an alert from EQUIFAX, XXXX, XXXX regarding some accounts in the name of XXXX XXXX & belonging to XXXX XXXX. It appears that EQUIFAX, XXXX, XXXX is in possession of some accounts but has not submitted any proof of the right to claim the legal title. We did not authorize EQUIFAX, XXXX, XXXX to hold the accounts. I need further clarification of your possession and who authorized this without the consent of the XXXX XXXX. Additionally, if you don't have any proof of this, we would like to further connect with you as you have agreed to be our agent and we graciously accept your role and welcome you to do what is in our best interest. I will send over a updated agreement for possession of XXXX property.
Product: Credit card

On XX/XX/2024 at around XXXX I applied for a XXXX credit card administered by Citi . I was approached by a sales associate of the XXXX XXXX, WI. location who said they could save me {$50.00} if I signed up. I entered all of my information and the application was denied and it came back with someone elses name. They had me re-enter my information and it still came back denied. It sounded like the internal support person encouraged the associate to have me reapply under the wrong name. The internal support person then asked to speak to me and they said I was denied and that a piece of mail would come and I would have to follow the instructions. Now I am unable to even speak to anyone at XXXX to get a straight answer as to what was happening, why it happened, and how it will affect me.
Product: Credit reporting or other personal consumer reports

I recently received Correspondence from Resurgent with the Original Creditor being XXXX and current owner being LNVL Funding LLC stating I owe a debt I have no knowledge of. I am requesting full account information, original signatures, my identification that was given during the application process as well a all missed payments dates included with the statements.
Product: Money transfer, virtual currency, or money service

at COINBASE My account has been frozen for some " identity '' issue. They have re-verified my identity but my account and my assets are frozen. APARENLTY THEY USE THIS IDENTITY ISSUE AS AN EXCUSE TO LOCKOUT CLIENTS. I 'VE DISCOVERED ITS HAPPENED TO THOUSANDS OF PEOPLE WHO HAVE THEIR MONEY LOCKED UP IN COINBASE
Product: Money transfer, virtual currency, or money service

Hi, I sing up for a paxos.com account on XX/XX/2023 and everything was perfect, my paxos account was approved, I deposited the amount of {$22000.00} via wire transfer, the money hit the account and everything was perfect again! I ve made an exchange and buyt XXXX ( XXXX ) and try to withdraw the funds to my XXXX XXXX personal wallet but I got an email from paxos.com stating I need to send them some selfie, bank statement pictures, another documents etc etc. I sent all the documents they asked me for and nothing happened. I started to speak over the email with them and again they asked me a lot of documents, personal documents and also my business documents, which I sent them and nothing happen again. They asked me to withdraw XXXX ( USD ) to my bank account, I contacted my bank and they said they did not accept crypto payments anymore. Almost 5 months passed and I don't know what do to right now.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your XXXX. I would like this item Immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance Credit Reporting Act, Public law 91-506 with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint XXXXXXXX  Violation of the Fair Credit Reporting Act ( FCRA ) by AMERICAN EXPRESS and XXXX I previously submitted a formal complaint on XX/XX/XXXXXXXX XXXX XXXX concerning the unauthorized and inaccurate reporting by AMERICAN EXPRESS on my credit report and the subsequent denial of my fraud block request by XXXX. Despite my repeated requests, XXXX has declined to take appropriate action, and the inaccurate information remains on my report. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of fraudulent information within 4 business days of receiving a valid request. It has been over 30 days since my original notification on XX/XX/XXXX, and both AMERICAN EXPRESS and XXXX have failed to provide the necessary documentation to validate the alleged debt. 

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to denials of credit or unfavorable financial terms. 
Emotional distress : Resulting from the inaccurate information on my credit report. 
Financial harm : Due to credit denials and higher interest rates. 


I request the immediate removal of the inaccurate information from my credit report. If the information is not removed, I will be forced to pursue legal action to recover damages, including statutory and punitive damages, along with attorneys fees. 

Additionally, I invoke Estoppel by Silence, as neither AMERICAN EXPRESS nor XXXX has provided the required evidence within the necessary timeframe. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies under 15 U.S. Code 1681n. 

I look forward to your swift resolution.
Product: Credit card or prepaid card

In XXXX and XXXX I was in poor health with medical issues and was not working. As a result, I had a difficult time paying off my credit card balance on my Bank of America credit card. The account went to collections and it was listed as a charge off in XX/XX/XXXX. In XX/XX/XXXX, I paid off the debt of {$900.00} in full and requested that Bank of America remove this debt from my record after explaining my situation of hardship. They did not do so after being a loyal customer since XXXX. Then in XXXX and XXXX of XXXX I noticed a discrepancy on my credit report, where this account was again reporting on my credit report as a charge off when it was already paid back and closed.
Product: Credit reporting or other personal consumer reports

My identity was stolen and someone took out student loans in my name/social security number
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent XX/XX/XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this late payment be updated to paid as agreed on time as they should be due to the fact I was never late. Please see the screenshots attached
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 XXXX  XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I attempted to utilize my Credit Karma Spend Debit card in the amount of {$260.00}, knowing I had a balance of over {$1000.00} and was shocked to see that the transaction had been declined. I called Credit Karma on XX/XX/XXXX to inquire as to why it was declined and was told that my account had been frozen, but they couldn't give me any details and would open a ticket. An email was sent with a case number XXXX. I have since called every day, provided required documentation ( bank statements from outside linked account, and copy of driver 's license ) yet my account remains frozen with zero explanation. I have searched online and found there are hundreds if not thousands of other innocent folks with the exact same issue with Credit Karma Spend. In the meantime, I have gone deep into the red within my linked account as I can't transfer money to cover auto bills. I am extremely infuriated that no one can tell me why my account has been frozen, I am transferred every time to a call center in XXXX ( no offense to anyone, just stating facts ) and they just keep telling me they'll 'escalate ' my case, but to this date, my account remains frozen. To not tell me why my account is frozen, not unfreeze my funds and keep passing me on to the next person is enraging and seems 100 % illegal. Please, PLEASE help me get our money back!
Product: Debt collection

I sent out a verification of debt letter to Lanier collection agency. A third a party collection agency for XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia. While attempting to validate the debt through the collection agency the collections agency had violated hippa. I did not give written or verbal consent for XXXX XXXX XXXX XXXX or authorization to XXXX XXXX XXXX XXXX  to share my personal information what a third party collection Lanier collection agency and services. I did send a letter letting them know that I would contact and make a report and complaint with the federal trade commission. I also placed In the later that I will sue the company for giving out my personal information. They violated hippa laws by disclosing my personal health information to a third-party collection agency.
Product: Debt collection

XXXX XXXX XXXX amount of {$210.00} was reported on my credit XXXX XXXX Pro collect amount of {$2800.00} was reported on my credit on XXXX XXXX
Product: Checking or savings account

O n  XX/XX/XXXX my husba nd and I closed our joint  Chase acco unt due an automatic monthly charge that would not stop recurring even after we told a separate company to stop the charges. I had the account with  Chase for  over 2 years plus being a customer with them for over 7 years all together. My husband was added onto my account back in   XX/XX/XXXX ,   so  the account was firstly mine then became a joint account. All my banking has ever been wi th Chase. So aft er we closed the account, my husband immediately opened anothe r one and  then on   XX/XX/XXXX  we  went back into  Chase to add  myself onto the account and i was declined twice. All they would give me was a piece of paper that stated i needed to call   XXXX   to find out why i was being decline . Chase sa id it could possibly be from fraud on my credit or frozen status. I called   XXXX   and talked wit h two diffe rent ladies who both told me the same thing. I had no fraud or any issues with my credit that would gi ve Chase a ny reason to prevent me from opening an account or be added onto my husbands account. So I called  Chase  through their corporate customer service and told then everything that happened and they were not help either. All they said was to keep calling  XXXX  I am completely lost and do not know what else I can do to open a bank account. I tried other banks and I keep getting declined. I need some detailed report as to why I am being declined for a bank account. I also have never had a bad check in my name nor have I ever closed an account with a negative amount. I was never in bad standing wit h Chase.