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

I am a natural person, I am a living human being, I have rights under 15 USC 1681 this company is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give Transunion permission to furnish these accounts at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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

Please see attached documents, I have disputed two errors with Equifax EIGHT times, starting XXXX XXXX XXXX. They have been unable to verify the information that is CLEARLY their error and they will not respond to any of my disputes with method of verification. 
This is not only an FCRA VIOLATION, but I can take legal action and I will if these are not corrected immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I enrolled in an American Express Offers offer to earn XXXX Membership Rewards points for spending at least {$300.00} at a XXXX property on my Amex EveryDay card. On XX/XX/2018, I spent {$660.00} on my Amex EveryDay card at a XXXX property. Amex confirmed that the XXXX bonus MR points would post after my next statement closes on XX/XX/XXXX ( see attached screenshot of conversation ). That statement closed and the bonus points have not posted. I followed up with Amex customer service via chat on XX/XX/XXXX, and was told the points show as awarded, but not posted and they are refusing to do anything to have them posted to my account.
Product: Credit card or prepaid card

Hi, On XX/XX/XXXX I found a transactions I did not made them for XXXX XXXX and others I filed a claim with Chase bank credit card The Chase bank wave these transactions on XX/XX/XXXX and everything is good One or more of these transactions was for a company called ( XXXX ) This company sending me emails and mails every day that they will send this invoices to collection company. 

I called Chase bank on XX/XX/XXXX and asked them to help me and contact this company to inform the company that I did not made these transactions and they have to stop sending me XXXX mail and emails. the chase bank customer service answered me that he can not do anything. 

Please help me because I did not made these transactions and I do not want they send these invoices to concoction company and harm my credit score Thank you
Product: Credit card or prepaid card

I joined the website XXXX for travel related purchases ( air travel, hotels ) and at their suggestion got a XXXX Visa Rewards credit card from Barclay 's doing business as XXXX on XX/XX/XXXX - in order to get VIP Gold status at XXXX which offers special discounts, promotional pricing and other benefits when making purchases through XXXX. I verified with XXXX support first that I was applying to the right company and website. 
I did not get the promised VIP gold status on XXXX and after many hours of messages and phone calls they concluded that the card from Barclay 's was not a XXXX XXXX  Visa ( despite saying so on the card and documents that Barclay 's sent me ) and this would have to be fixed by Barclay 's. 
So I contacted Barclay 's support, by text phone and at their direction, through their website 's Message Center, and have tried for some time to get resolution from them, but keep getting delayed. The whole process started in XXXX, and my original goal was to purchase tickets and book lodging for a trip in XXXX as I have told everyone, so at this point I need assistance from you in getting the benefits I am entitled to, which were my only incentive for doing business with Barclay 's in the first place. 
Here 's the time-line : XX/XX/XXXX - Texted XXXX supplied to confirm that the XXXX Rewards Visa was legitimately connected to XXXX and Barclays XX/XX/XXXX Texted Support because VIP status wasn't gold. Told to wait 24-48 hours. 

XX/XX/XXXX Texted Support again. Told to wait 24-48 hours. Objected and was given Customer Support phone number. 

XX/XX/XXXX phone call XX/XX/XXXX third text told to contact barclays XXXX Message to Barclays explaining situation. Given phone number and told to call. 

XXXX Phone call to Barclays. Case was opened. Told to use online secure message center with case number. I did so. 
XX/XX/XXXX still no response so I messaged them to follow up. 
XX/XX/XXXX response from Barclay 's saying XXXX days until next response I also can supply screen shots for the original offer of VIP Gold status and for several stages of these communications.
Product: Credit reporting

As per Federal Law, the statue of limitations, 7 years, has elapsed on the alleged debts, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. Experian must comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) 1 - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$6400.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Monthly Payment - Past Due Amount {$6400.00} Highest Balance - Terms Revolving Responsibility Individual 2 - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$3700.00} Balance Updated XX/XX/XXXX Credit Limit {$2800.00} Monthly Payment - Past Due Amount {$3700.00} Terms Revolving XXXX - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$6600.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Past Due Amount {$6600.00} 4 - Account Name XXXX Account # XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$5200.00} Balance Updated XX/XX/XXXX Credit Limit {$4100.00} Monthly Payment - Past Due Amount {$5200.00} =
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I'm reaching out to you all once again in regards to my credit report. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I reported this issue to the police already and have contacted the FTC. These items are not mine and I have no idea how this happened but these items still need to be removed from my credit report : XXXX  XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX.
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 XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX XXXX XXXX # XXXX 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

Penfed screwed up my home equity loan, and reported me late on a payment in XX/XX/2021. My original account was with XXXX XXXX XXXX XXXX. XXXX closed and transfered all members to Penfed FCU. Pedfed had troubles getting my home equity loan migrated to their system. I repeatedly called them in fear of being marked late. They assured me that would not happen. A day or two later, I received a phone call from Penfed that I was late on my account. I made that payment with that caller immediately, but not before Penfed already reported to the the credit agencies. I was not late, and Penfed agreed that it was their fault. I have a letter from Penfed acknowledging their error. But they had already reported it to the credit agencies. The letter dated XX/XX/2021 states that they will correct error and have my accounts through the agencies cleared. As of this writing, XX/XX/2021, the credit agencies still show that late payment, and have reduced my credit rating. I've tried to contact Penfed, at this time there has been no response.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. XXXX ) on XX/XX/year>, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law. 
Accounts/Items in Dispute : XXXX XXXX XXXXXXXX - XXXX Account XXXX XXXX XXXXXXXX - Fraudulent Account XXXX - XXXX - Fraudulent Account XXXX XXXX XXXXXXXX - Fraudulent Account XXXX XXXX XXXX XXXXXXXX - Fraudulent Account XXXX XXXX - XXXX - Fraudulent Account XXXX XXXX  - XXXX - Fraudulent Account Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers. 
Relying uncritically on furnishers responses, even when they are illogical or inconsistent. 
Sending consumers misleading or unclear results regarding dispute investigations. 
Allowing previously deleted inaccurate information to be reinserted onto credit reports.

My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers. 
Provide me with a written statement detailing whether the disputed information has been corrected or deleted. 
Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report. 
Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Provide me with a free updated copy of my credit report once the disputed items have been resolved. If Experian fails to properly investigate and correct my disp
utes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o.

I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I sold a home and deposited my proceeds into my Marcus online savings account. I then attempted to transfer some of those funds to another account with XXXX. I have been transferring funds between these accounts for well over a year with no issue. Marcus reversed that transaction. I then tried to initiate transfers between my Marcus account and my primary banking institution XXXX XXXX XXXX XXXX, and Marcus has also reversed all of those transfers. I called and asked for assistance and was informed my deposit agreement states that they can restrict access and ACH transfers to and from my account at any time without notice. I asked if that meant they could prevent me from accessing my money ever again, and they reiterated that those are the terms of my deposit agreement. They also stated they could not help me resolve these issues at this time. I am furious, while I understand banks need some tools to combat fraud I believe Marcus is intentionally holding well over XXXX dollars hostage to prevent me from transferring to a bank with higher interest rates. What they are doing is wrong, and those terms are unconscionable. They verified my identity with callbacks and security questions, they know I initiated these transactions, and they still refuse to allow me to move my US dollars between my US bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

*XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX* {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX* XXXX XX/XX/XXXX *XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX* {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ex employer that is causing problems with my credit. None of the information given by him to anyone is authorized. It is happening with all three credit companies. I tried to complain to CFPB but the complaint was deleted due to addresses not included. My so called report has over 20 uncorrected mistakes. These mistakes take one second to make and months to correct. They have these rules that we as citizens are supposed to live by. They are actually trying to control how we live day to day. My score goes down with every move that I make at banks and other lending institutions. The complaint is that they are not supposed to lower my score when I am looking for a mortgage or re finance or auto loans if the inquiries are within 45 days of each other. Soft credit pulls are not supposed to effect credit, but they do. My score went from over XXXX to XXXX over a period of 3 months. I want all errors corrected an to eliminate these predatory XXXX from my life. I DO NOT WANT A SCORE OR A PHONEY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted for Equifax to remove this account from my credit report. However all they did was update and send me a copy of my credit report. This account is closed and has a zero balance please have them to remove this account from my report.
Product: Checking or savings account

I have called PNC at least 10 times about closing my account and each time they come up with a reason for why I can't. I do not live in their service area, I can't transfer money easily. They said I should try downloading XXXX and transferring the money to myself. They say I have " pending transactions ''. I've asked them to freeze the account to prevent pending transactions - they've refused. Why do they keep letting transactions go through?? And they're for stupid amounts of money : XXXX  dollar, XXXX dollars, XXXX  dollars. 

Another time they wouldn't let me cancel my account because my address was incorrect, which they said would take 10 business days to change. 

They're not able to help me freeze the account, they're not able to help me close it. 

This last time they suggested I dispute the pending charges because they should not have gone on this account ( XXXX is debiting them even though I've removed them from XXXX 's system ). BUT this would mean I can't close the account for another 4 weeks!!!!! 

PLEASE HELP ME CLOSE MY ACCOUNT!!! All I do is pay overdraft fees and they won't refund them or help me close my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost 2 months from what they claim. Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!! 

and NOW update!!!!! 

The removed my XXXX  XXXX  after the last dispute and left the fraud one!!!! get it correct!!
Product: Credit reporting or other personal consumer reports

I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB lawsuits against XXXX and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. XXXX XXXX is a third-party debt collector. They have not been given any permission to report anything on my credit report. Under 15 USC 1681b : Permissible purposes of consumer reports they are reporting inaccuracies and false information since under 15 USC 1692e they are not representing XXXX XXXX but purchased the debt and are now the owners of set debt. There has been no debt validation provided. Furthermore I officially request complete debt validation, chain of title, original creditors charge-off, date last payment made on original account, original creditors contract with original signature allowing the alleged debt to be sold without permission, and any forward flow agreement. I am also requesting a Cease and Desist on the account collections and all reporting of the account to all credit reporting agencies. The account is full of inaccuracies and misleading information and needs to be deleted immediately since this is not the first time this has been reported. As you can see with the included documents from TransUnion the reporting is different from XXXX XXXX with them which is grounds for deletion alone but with all the others FDCPA violations I am requesting immediate removal of this accout from my credit report which is reflecting negativitly on all credit reporting agencies and violating my rights. Before I take legal matters I am giving the opportunity to correct all these violations and reporting errors or simply deleting the account from my credit report. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Credit card

Synchrony Credit / Sams Club card : I continue to pay my bill, at least the minimum amount due each month if not more, but the total interest charges and my balance continue to rise, even when I have not made additional purchases for at least 2 months. Furthermore, I am concerned that I am being double billed interest, as my " Balance Subject to Interest '', includes interest that was previously billed on my account, and is not solely comprised of purchases. This is what I have been told by their chat rep ( which the log disappeared once I told him he did NOT answer my question - XXXX specifically said that although I paid more than my minimum payment in XXXX, it was not enough to cover all interest and principal due at that time, and was not enough to decrease the balance or the interest that would bill the following month ), and phone rep ( who unprofessionally hung up on me after I asked for an easy to understand explanation of interest charged billed on my account ). I understand how interest is calculated, but I would like to know : 1 ) The exact calculation used for my account. 2 ) Why new interest is being billed on old interest by including it in the balance subject to interest? 3 ) Why paying more than the minimum amount due, still results in a higher balance, where is the additional money going? This is unfair that I 'm paying more than I 'm being billed and no longer making purchases, just for the bill to go up month after month. It appears this is being done purposely to collect more money from me ( if not all their customers ) over a long period of time, since my bill clearly states it will I will have paid $ XXXX if I only pay the minimum payment ( which I could see that happening if I 'm paying interest on interest ).
Product: Credit reporting or other personal consumer reports

1 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX  Reporting Agency : TRANUNION 2 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX Reporting Agency : TRANSUNION 3 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX Reporting Agency : TRANSUNION 4 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX XXXX Reporting Agency : XXXX
Product: Credit reporting or other personal consumer reports

The company Covington Credit charged off my account and did not provide me a copy of my 1099. Once they charged it off it then became income in which it CAN NOT be reported on my credit report. It is considered a certificate of indebtedness. I opted out and they are still reporting. The Privacy Act of 1974 states it is against the law to share my information to any 3rd party
Product: Credit reporting, credit repair services, or other personal consumer reports

eIn accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 a Section 2 : It also states a consumer agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpos
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose