23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Mastercard with Bank of America with a {$4000.00} credit limit that I use frequently that was recently cancelled. THE CARD HAS A XXXX BALANCE. We use this card only for major purchases such as medical or auto expenses. I have never been late on a payment, and have paid the card off twice including currently. 

My husband and I are senior citizens, ages XXXX and XXXX and reside in Florida. My husband is also a Veteran having served in the XXXX. Recently my husband lost his part time job causing us to have to apply for a modification on the VA mortgage we hold causing our credit scores to drop. I assume this is why Bank of America has cancelled our ONLY credit card and I would like to have it reinstated. 
Lastly, we also joined a credit resolution program and DID NOT include the credit card in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy Inaccuracy reporting to my consumer report. I disputed this directly with Lexis Nexis on XX/XX/23. After their investigation Lexis Nexis stated the bankruptcy was verified with XXXX and will remain reporting. 

While XXXX is a public records site, it is not managed by the Courts and the information uploaded is not verified or validated. There have been discrepancies with XXXX before and continue to be in the present. 

Additionally, pacer Is NOT the original furnisher of information. XXXX bankruptcy court-Atl is listed as the original furnisher of this information and per LAW ( shown below ) the disputed information must be provided to them to validate/ verify as accurate. 

Included with my previous dispute was a certified letter directly from XXXX, stating they do not provide information to credit bureaus or third parties. This completely cancels Lexis Nexis claim that XXXX certified this bankruptcy information as accurate. 

Lexis Nexis Failed to contact the original furnisher of information. This dispute was never properly verified. 

Per law this account MUST be removed from my credit file because it could not be legally verified before the end of the 30-day period of which Lexis Nexis Received my dispute.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Payday loan, title loan, or personal loan

I made an overpayment in the amount of XXXX through my XXXX XXXX XXXXXXXX bill pay on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX. and informed them of my mistake along with a request for a refund. I was told to send them a fax with my bank statement and once it cleared they would send me a refund, which I did everything requested on XX/XX/XXXX. 
I have called each week since that time and they will lie and tell me its on the way. It will be deposited tomorrow. We don't do ACH deposits, we can only cut you a check. Well we'll deposit it the next day. I was disheartened with the lack of honesty and the fact they will tell a customer anything.
Product: Credit card

Today XX/XX/24 company allowed my information to be accessed by an unauthorized person
Product: Credit card

Got behind on my account and tried to work out something but they said no plan was available to assist me .Even tho they sent me emails to the contrary. So far, they have added 3 late fees to my account, {$41.00} x 3. Spoke with them on Thursday, XX/XX/2024. Their non action/no help, caused my credit report to drop by XXXX points and they restricted my account. I told them I was willing to work out a payment arrange but they refused.
Product: Debt collection

The company violated my rights under the fair debts collections practices act in that i have never received the following. 

No attempts or Notifications by mail in order to dispute their actions if any taken. 

Indicated on my credit reports that the debts was owed without my signature or original documentations that i agreed to a third party collections. 

The company went to XXXX and said that i opened an account with them which was a fraudulent and blatant Lie in order to collect an alleged debt with them. 

The company name is I.C. Systems XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX alleged amount owed XXXX ending account number XXXX I received this information by XXXX identity theft protection. 

My identity theft happened in this state of where government offices was notified by my affidavit of identity theft because someone has taken out credit in my name for houses and utilities. 

On XX/XX/XXXX i did not open or agree to them to collect any debts via 3rd party with them and only the originator of has the right to contact me not them. Deceptive tactics was used by then which is illegal. 
The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act
Product: Debt collection

I was not served any court summons, I am amazed how they obtained a judgment without me being served the notice to appear.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$140.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

I HAVE PERSISTENTLY TRIED TO RESOLVE THIS MATTER WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL, NOW I HAVE FILED AN TFC REPORT AND THIS TO RESOLVE MATTERS THAT SHOULD HAVE TAKEN NO MORE THAN 30 DAYS NOW IT HAS BEEN OVER 6 MONTHS
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed dispute documents to XXXX on XXXX. They received them via certified mail with tracking @ XXXX, XXXX. As of today, XXXX they have yet to retrieve them from their XXXX XXXX XXXX XXXXXXXX, TX XXXX, and initiate the investigation process for those documents. I have spoken to several agents and they all said that the latest documents they have from me is from XXXX. 

I also mailed dispute documents to TransUnion on the same date XXXX. They received them the same exact way with tracking @ XXXX on XXXX from their XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX. As of today, XXXX they have yet to retrieve them and initiate the investigation process for those documents. 


They have three weeks left before they have to respond or delete all disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX, 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
Product: Credit card or prepaid card

I am writing regarding my Commenity XXXX credit card. 

On XX/XX/XXXX, I paid off the complete balance on this card, which was {$63.00}. On XX/XX/XXXX, I received my new billing statement from this creditor. I was very amazed to see my new purchase charges are now {$310.00}!! The last time I used this card was early/mid XXXX, XXXX. I have not since, nor has anyone else, used my card. Understandably, I was upset, and called Commenity/XXXX as soon as I could, the next morning ; XX/XX/XXXX. I spoke with them and they canceled my card and opened a dispute. However, I was informed, the dispute could take 30-90 days. I am currently trying to purchase a home. My Mortgage Officer, as I just called him, can not give me the pre-approval letter I need for my home purchase until the dispute is resolved/closed. I can not afford to wait 30 days, let alone 60 or 90!!! I really need this resolved immediately and appreciate any assistance you can give. Thank you.
Product: Debt collection

The date charge off in the letter is wrong. The amount is wrong also. 

The lady in the charge department gave me the wrong fax number to removed off the late payments on the acct. 

No email was received for that account at XXXX cause thee police contacted XXXX  cause my emails was going somewhere else because of XXXX Security breach. 


I would like a chance to settle this account. Also, if you sent something by mail would been forward to me at the new address.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  Account XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX
Product: Credit card or prepaid card

I filed the dispute twice and the Barclay Bank still charged to my account. 
My credit card limit is {$2000.00} and unauthorized charges were appx. {$2800.00} therefore my credit score got decreased under XXXX and I am having problem getting mortgage finance. 
I am a victim and this bank is making my life miserable, I can not purchase my dream home.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems This company denied my opening an account without explanation. I downloaded a copy of my report and there is nothing at all derogatory on the report. It is clean. However, they provide no explanation for the denial whatsoever. All their phone numbers are automated systems with no way to reach an actual person to get this resolved. 

The bank with which I was applying for an account, XXXX XXXX, stated that they can not help and that they do not know why my application was rejected. Online searches indicate that ChexSystems has a history of providing misinformation, and also a history of ignoring disputes, which under the FCRA is illegal.
Product: Checking or savings account

About two months ago, I made 3 purchases with my XXXX debit card. My XXXX debit card is linked to my pnc debit card and the way it works is that when you purchase something with it, XXXX will collect it as a check on your personal debit card. For some reason my account had non sufficient funds and for each of those 3 transactions charged a {$36.00} overdraft fee, then they had the transactions returned resulting in 3 additional {$36.00} return fee for each transaction. Not only did they not pay target but they charged me {$210.00} in fees. As a result of that I also ended up owing target return fees as well. PNC also kept a daily overdraft fee being charged to my account. I tried to dispute these charges and they just told me that that was policy and nothing could be done. I ended up with a negative balance of {$470.00} and they threatened with collection if amount wasnt paid. I ended up paying to avoid collection but that is a steal. They didnt pay for anything so I still owe target this money. I still have to pay target fees. They ran of with all this money from me. I have closed my accounts but I wanted to see what i could receive in help from you guys as I read I could look for help here. Thank you so much.
Product: Payday loan, title loan, or personal loan

I received an offer letter stating that I was pre-approved for a personal loan of " up to {$20000.00} '' and provided me with a special code to use to accept my loan. Then, when attempting to " accept '' the loan on their special website, timely submitted before the deadline, they denied my " acceptance '', even though " pre-approved '' and even though my credit scores were all higher with all three bureaus than on the day I received their offer letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to Transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Product: Checking or savings account

On XXXX XXXX XXXX  someone moved my {$3400.00} out of my chimes savings account in to my chime checking account and starting to send to random email accounts. Thankfully I was able to cancel two of the transactions and moved the money instantly to my boyfriends account and then went to atm and withdraw. There was a {$1000.00} transaction sent to a XXXX that I wasnt able to cancel before they received the money. I had called chime multiple times and 2 different disputes and keep getting denied. When I was a victim and robbed for {$1000.00}!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

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

My XXXX loan is paid in full and I have proof!! 
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, Transunion and XXXX to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and XXXX XXXX account number ending in 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 the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$1300.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4400.00}, XXXX  XXXX XXXX Balance : {$450.00}, XXXX XXXX  XXXX Balance : {$3100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$6100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXXXX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I am writing to dispute an inaccurate late payment entry on my credit report. I have consistently made payments on time for this account, and it is causing me immense stress to see this incorrect late payment entry. I have never faltered in my commitment to timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.
Product: Payday loan, title loan, or personal loan

I have already contacted Mariner Finance about this fraudulent inquiry. I have recorded phone conversation promising that the fraudulent inquiry would be removed. They still haven't removed the inquiry. I was recommended to place a security/fraud alert on my credit file which I have already done. Mariner Finance must remove this inquiry because I didn't authorize it.
Product: Student loan

I have paid off all of my student loan interest. My balance should reflect {$250000.00}. Today on my XXXX loan several thousands of dollars of my payments were mysteriously " unprocessed '' and over 7,000 was added back to my student loans in " unpaid interest '' while my student loans are in forbearance. The reversal of processing over {$7000.00} of my hard-earned money during the forbearance period was told to me by Great Lakes Student Loan servicing customer service over the phone. The explanation they gave was that they payments had simply become " unprocessed. '' This is theft by the DOE and theft by Great Lakes Student Loans servicer and if this is not addressed I will sue both entities for conversion and breaching the loan agreement with me. I am an XXXX XXXX in the State of New York and I am sick and tired of the government taking advantage of loan borrowers. This is unbelievable and absolutely 100 % unacceptable that my own government would essentially steal over {$7000.00} from me. I am livid.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 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 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 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.