23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Bilt Mastercard from XXXX XXXX was selected for income verification on XX/XX/XXXX, and a letter indicating as such was mailed on XX/XX/XXXX, which I received XX/XX/XXXX. The letter requested I fax a completed form 4506-C, along with two cardholder consents to tax return information, by XX/XX/XXXX. However, the letter did not provide critical details needed to fill out that form, namely, whether they were requesting 1 ) form 1040, 1065, 1120, or something else, 2 ) a Return Transcript, Account Transcript, and/or Record of Account, and 3 ) the time period they were looking to verify. Many calls to customer support did not indicate the correct values to these fields, so I ventured my best guess. That unfortunately resulted in the form being rejected, and my account being closed immediately on XX/XX/XXXX, with no opportunity to resubmit a corrected form ahead of the deadline on XX/XX/XXXX. Yet it was only after submitting that form that customer service could see the reason for rejection and inform me of the correct fields to submit. Despite my account having been closed, I resubmitted immediately regardless. The resubmitted form resulted in a general hold being lifted from my other XXXX XXXX account on XX/XX/XXXX - ahead of the initial deadline - indicating income verification was successful as soon as I was given the information required to fill out the form. However, because my Bilt Mastercard had already been closed, it has remained so, even though I provided every piece of info requested in a timely matter, and all requested info was ultimately processed successfully ahead of the deadline. In writing, XXXX XXXX states the closure is final because my information 'did not match IRS records ' while consistently and unequivocally over the phone they acknowledge it was because the form 4506-C was did not request the information they were seeking, despite my attempts to clarify this. Several others in this thread cite the same practical impossibility of passing income verification missing this info : XXXX XXXX XXXXbiltrXXXX I'd also note this was the second time I was required to verify my income in a 25 day period - I had just successfully done so on XX/XX/XXXX. I have called to have this matter resolved on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have gone far and above what could reasonably be expected of any person to maintain an existing credit account- which I note was paid off in full.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing the accuracy of all information on my credit reports due to the negligent practices of Experian and Equifax, as recently outlined by the Consumer Financial Protection Bureau ( CFPB ). The CFPB 's lawsuits against these credit bureaus confirm that they failed to conduct proper investigations into credit report errors, relying on automated systems instead of reviewing consumer-provided evidence. As a result, I have no confidence in the accuracy of the information reported about me.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit reporting agencies are legally required to conduct reasonable investigations of consumer disputes. The CFPB has determined that Experian and Equifax failed in this duty, meaning any information reported about me may be inaccurate and was not properly verified. Additionally, per FCRA 15 U.S.C.

1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports, which they have given the CFPB 's findings and the legal requirements under the FCRA, I formally request the following : 1. A full deletion of all accounts and negative marks on my credit reports due to the lack of proper investigation and verification.

2. Written confirmation that these deletions have been processed.

3. A new, corrected copy of my credit report reflecting these changes.

I expect a response within the legally mandated 30-day timeframe under the FCRA. If this request is not addressed appropriately, I am prepared to escalate the matter further, including seeking legal remedies.

Please confirm receipt of this letter and provide a timely resolution. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to XXXX, XXXX XXXX Equifax but they wouldn't consider. I have not receive a response from the XXXX XXXX XXXX. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.
Product: Credit reporting or other personal consumer reports

Ive been back in forth with all 3 credit bureaus about my credit and the wrong information that has appeared over the last few years Ive tried countless times to have things removed and theyll remove it and it comes right back months/years later. This has stopped me from so much and Im fed up
Product: Credit reporting or other personal consumer reports

I applied for a Discover Credit Card on XX/XX/23 and got denied, regardless of the reason for being denied I have the right to credit, withholding my access to my XXXX XXXX XXXX fraud youre violating the Equal Credit Opportunity Act and consumer credit protection act since you are denying me my credit please retract my application thank you. XXXX XXXX XXXX attorney in fact for the all-capitals name XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek to appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized and fraudulent inquires reports on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted XXXX XXXX account ( XXXX ) I don't have an account with the company.
Product: Debt collection

The dates that they have for when they are billing me, I wasn't even living in that state any more. I called them and told them that {$690.00} was showing up on my report, but that I had already moved out of state. They made no attempt to care or fix it.
Product: Credit card

I had a US bank world perks visa for many years. I had over XXXX miles saved up. On XX/XX/XXXX, US bank closed my account without notice. I lost all my rewards. They said they closed the account due to poor media coverage. This was poor media on my husband. 
I called US bank twice and also went into a local bank branch. They could do nothing to help my situation. 
US Bank has stolen from me by taking all my miles. I do not care about the card. I am able to get another credit card. I have good credit and no defaults.
Product: Credit reporting or other personal consumer reports

No permission was given for these inquiries they have to be removed promptly. XXXX XXXX XXXX XXXX XXXX, Its wrong and needs to be removed because no permission was given. I need action taken to delete the reported issue. XXXXXXXX XXXX XXXX inquiry : Delete asap as no correct permission was granted. Investigate, purge the inquiry in questioned. I understand that I have the right, as a consumer, to dispute the accuracy of the information in my credit report, as provided by the Fair Credit Reporting Act. 
XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate stomper service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic FundTransfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX TD Auto Finance XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. 

It is important to note that the payments in question occurred during the COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss. 

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card

Chase XXXX  Sapphire Preferred Credit Card and Card Benefit Services Tel : XXXX opt. XXXX XXXX XXXX XXXX XXXX, VA XXXX Claim # XXXX [ # XXXX ] XX/XX/XXXX booked ( XXXX ) airline tickets through Chase XXXX for departure XX/XX/XXXX XX/XX/XXXX my wife suffered XXXX XXXX had to have XXXX in XXXX XX/XX/XXXX Attempted to cancel tickets but Chase XXXX stated ( verbally ) wait until XXXX and can extend tickets another year. 
XX/XX/XXXX Called Chase XXXX and informed tickets could be extended. Chase contacted airline and cancelled tickets, but airline charge {$900.00} termination fee. 
Chase referred me to Card Holder Services. Claim filed XXXX with card holder services. 
Provided Dr . Note stating my wife could not travel with claim.

Since XX/XX/XXXX have had numerous phone calls with both Chase XXXX and Card Holder Services giving me the run around. 
XX/XX/XXXX Chase XXXX credited my account {$4400.00} and debited {$900.00} this transaction provided XX/XX/XXXX to Card Holder. 
XX/XX/XXXX email received from Card Holder requesting evidence on credit card points being refunded. Credit card statement provided showing point refunded.

I am very frustrated with the continuous run around from both Chase XXXX and Card Holder Services. The {$900.00} claim is still open. Im certain this company will continue to give me the run around indefinitely
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to correct my personal information on file. sent all proof they need please up it
Product: Credit card

On XX/XX/year> @ XXXX, I called upgrade customer service to close my card account ending in XXXX the representative told me that there is a note in my account that the company will not close my credit card account until the balance is at XXXX. I dispute it this and advise the representative that it is my right to close my account, she stated. There is nothing that she can do. I'm requesting assistance with closing this account as it is my right to do so if I no longer want it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent transunion a dispute letter certified mail ( XXXX ) asking TransUnion to re-investigate the late payments on my student loans because I was never late and asked them to send me proof of verification, to which I did not get a response violating several of my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted advance resolution services multple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as an aggrieved man against XXXX, Transunion and XXXX. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!
Product: Credit reporting or other personal consumer reports

My information was affected by the Equifax data Breach. As a result I have been a victim of Identity theft. I previously disputed several fraudulent accounts along with proof of my identity report, and supporting documentation to the credit reporting agencies, requesting validation or to block and remove all of the information from my credit report. The credit bureaus failed to validate. Here are the accounts : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$9900.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, HI XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} 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 Account name : XXXX XXXX, Account name : XXXX Account name : All other negative accounts 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 XXXX 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 the15 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 XXXX 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: Debt collection

I was at XXXX XXXX XXXX in XXXX, Idaho, on XX/XX/year>. I had either a XXXX XXXX or XXXX  done ( I think that's what it was ). I have never received a bill from them so I thought insurance covered it all. Then on Monday, XX/XX/XXXX, I received a letter from a collection agency saying I owed {$300.00} to XXXX XXXX. I called XXXX XXXX as I have never had a bill sent to me in XXXX months from XXXX. They stated that they send all their bills through email and they had sent it to my old email and not my new. The person in the hospital billing department said that both my old email and my current email were on file. I was told that, that was the only way they send bills. 

I had argued with them because I know that I've received past bills through the mail from them. Now they are telling me I owe a additional {$620.00} for my last test at their hospital last month. I don't know whats going on but this doesn't sound right. Seeing as they had my correct email on file, they should have tried that XXXX or mailed me directly in regards to the bill, before sending it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX
Product: Checking or savings account

My mother became terminal in XXXX and I tried to dispute flight tickets for over {$1500.00} with cheap o air. I then disputed it with chase bank and was issued a temporary refund. They then after. Week or two retracted the money back and stated they can not do anything for me.. I supplied them with death cert and all supporting documentation to prove all steps and they still refused to help me.