23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

US Bank National Association dba XXXX XXXX XXXX has failed on several instanced to adhere to the terms of THEIR card holder agreement. After enticing that my tax refund be direct deposited to my card through a {$10.00} credit advertisement the company refused to post the funds to my card. I was THEN informed that they only take deposits up to {$5000.00}, which varies greatly from the terms of their agreement. In XXXX XXXX, prior to filing my taxes, I contacted customer service for my XXXX XXXX thru XXXX XXXX bank statements to help me with filing my taxes and was told that they no longer had access to my records. I advised them that Federal law mandated that the keep these records for a number of years, the rep had no knowledge of the laws and advised that she would escalate the matter and have their superiors contact me. I am still waiting for that call back. In XXXX I used the card for incidentals at XXXX hotel. XXXX XXXX charged my account in excess of the amount the vendor attempted to hold and refused to credit it back after the vendor released the hold. I spent over 8 hrs on the phone with various reps who pretended that they could not release the hold, when paragraph XXXX of their agreement provides a means to do so with written authorization from the vendor. I advised XXXX XXXX that they were in violation of THEIR agreement and the rep, XXXX stated she could not further assist. On XXXX XXXX I requested an arbitration hearing and to date I have not received a hearing date or any information regarding the status, resulting in 3 additional calls. It is my opinion that XXXX XXXX preys upon individuals with financial troubles and lack of financial laws. Even though they have refused to adhere to their agreement, they continue to charge a {$3.00} service charge. The prepaid card is SUPPOSED to provide me with {$5.00} per {$1000.00} in free groceries, however the clerks at the XXXX family of stores have NO KNOWLEDGE of the program and regularly fail to provide this " benefit ''. Each month I have to call in and I am told the phone reps can only see that I earned the benefit, but have no way of tracking if the benefit was used by an unauthorized party. When I requested an inquiry on the matter I was advised that someone would call me back within 48 hours to let me know. To date, I have NEVER received a return call from my numerous inquiries. Please review the attached information and feel free to contact me for more details regarding the atrocious disregard for the financial laws of the State of Ohio and the United States.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Unverified Bankruptcy Reporting Dear CFPB Team, I am writing to formally report an issue I am experiencing with XXXX, TransUnion, and XXXX, as they have failed to adequately investigate a bankruptcy reference number XXXX that is currently being reported on my credit report. I believe this entry is unverified and inaccurate, which is negatively impacting my creditworthiness. 

On XX/XX/year>, I submitted a dispute to XXXX, TransUnion and XXXX, providing documentation that supports my claim that the bankruptcy was not filed by me. According to the Fair Credit Reporting Act, I understand that credit bureaus are required to investigate disputes in a timely manner. However, I have not received a satisfactory response or resolution from XXXX. 

Despite my efforts to clarify this matter, the unverified bankruptcy remains on my credit report, affecting my ability to secure loans and credit. This situation is unjust and contrary to the protections afforded to consumers under the law. 

I kindly request that the CFPB investigate this matter further. I am seeking assistance in ensuring that XXXX, TransUnion and XXXX, fulfills its obligation to verify the accuracy of the information it reports and removes any unverified entries from my credit report. 

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

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from PMAB , LLC dated XX/XX/2020 ( see attached ), listing several outstanding old medical bills in the about of {$7400.00}. I called PMAB on XX/XX/2020 to inquire about these bills. I spoke to XXXX who told me the bills were in my name and needed to be paid " now '' or it will hurt your credit rating. I asked her to send me verification which I received a letter ( see attached ) listing all the bills dated XX/XX/2020 with a new amount of {$8200.00}. On XX/XX/2020, ( without admitting recognition of the debt or acknowledgment of the liability ), I sent ( see attached letter ) a letter agreeing to settle the debt for {$820.00}. The letter clearly states I asked for a response in 15 days from the receipt of the letter. 

Then on XX/XX/2020 I received an email from XXXX XXXX saying there has been new activity on my credit report. When I checked my report every single medical account from PMAB that was not previously on my credit report is now showing up on my credit report as owed. 

To date, I have not received any response from my settlement offer dated XX/XX/2020.
Product: Debt collection

XXXX, XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove the hard inquiries from XXXX  since they denied my credit increases and ran my credit when it should have been a soft pull. I feel I was misdirected or mislead it has impacted my credit score a lot.
Product: Credit reporting or other personal consumer reports

There are several names listed on my credit report and they are not correct. I need them to be removed from my credit report, also there are addresses that are not correct listed on my credit report and i am requesting them to be removed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

A fair resolution to this issue would be to remove all these things from my report immediately. None of these inquiries have been made by me or are of any relation to me. I can not even begin to fathom how long this has been affecting my credit report. Please remove these from my report immediately so I can begin the process of reversing everything that's been done negatively so far to my report. 

10 XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX   XXXX XXXX CARD 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 Bankruptcy : Discharged CH-XXXX XXXX Bankruptcy : Discharged CH-XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Verification Request Due to XXXX Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. XXXX Acct # XXXX, XXXX Acct XXXX XXXX This Company Oliphant USA LLC listed this Collection account on my Credit report twice with different Acct numbers for the same balance!! This Debt Buyer Company need to remove this derogatory information from the CRA!!

I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Applied for a XXXX credit card today when I attempted to purchase annual XXXX passes for my family. My application was denied due to already having received a XXXX card with promotional benefit in the last 24 months The previous card being referenced was closed. I closed the account when I cancelled the XXXX passes during he pandemic. 

It was not clear or disclosed that I would be denied for the stated reason when I applied for the account. Had that been the case, I would not have applied. When I called I simply requested that the inquiry be removed from my account due to the lack of clear disclosures. I did not want an account opened. Only the inquiry removed. They refused. It is not appropriate that my credit report takes a negative inquiry hit due to XXXX lack of clear disclosures in their application process
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Company did NOT send the Statement on XX/XX/XXXX for XX/XX/XXXX payment, we received the statement until XX/XX/XXXX, check was sent for XX/XX/XXXX and XX/XX/XXXX, check was cleared for both months on XX/XX/XXXX but they reported it as late payment, both my wife and I have had EXCEPTIONAL credit, now both credit scores are affected. 

XX/XX/XXXX XXXX went on Bankruptcy, we found out on late XX/XX/XXXX. Was until XX/XX/XXXX in the process of refinancing we found out that this report was done, could not get in touch with XXXX, had followed up multiple times with Shellpoint Mortgage Services who purchased our loan by telephone, via email, and certified letters, two previous complaints filled with CFPB, more then 30 days passed and now the latest response from Shellpoint dated XX/XX/XXXX states they need additional time when is already more than two months we still waiting for. We can NOT give Shellpoint Mortgage Services more time. 

XXXX  can not be contacted since telephone is no longer in service, I contacted on XX/XX/XXXX via certified mail XXXX at XXXX XXXX XXXX XXXX, PA XXXX the address provided by Shellpoint Mortgage Services and no response, they do not answer the listed telephone as XXXX in XXXX XXXX Minnesota so my letter came back yesterday XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX amount {$5900.00} showing that this account is open and past due. This is not correct. 

XXXX XXXX XXXX XXXX  ) {$1300.00} showing a past due balance. This is not even my account. 

XXXX XXXX {$1000.00} showing a past due balance. This doesnt belong to me. 

XXXX  {$120.00} showing a past due balance. I never had an account with this company. 

I have submitted several letters requesting the inaccurate information removed from my credit report. I have asked for proof that these items belong to me and they have failed to provide me with documentation. 

Please see the credit report attached with the items circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I found out for the first time that my credit report from Transunion had report of serious delinquency regarding a XXXX  XXXX credit card with numbers starting with : XXXX. 
When I called XXXX phone number, XXXX which appears on that entry, I was told to call Monday to Friday. 
I called back on Monday XX/XX/XXXX at XXXX and I was transferred to XXXX credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my Transunion credit report, an account that I never opened or used and that it has been harming my credit since XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a XXXX  customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report? 

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address? 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, examined documents assigned to XXXX County ( XXXX, SC ) court house at Deeds office. As well as, examined documents with Clerk of Court in XX/XX/XXXX. Retained two law firms to represent on my behalf. The XXXX XXXX is the originator of my home loan at XXXX XXXX XXXX XXXX, XXXX, SC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint requesting a reinvestigation of disputed accounts on my credit report, urging you to update this account during the investigation period. Regrettably, as of today 's date, there has been no response to my request. Once again, I implore you to scrutinize the account for inaccuracies, incompleteness, and outdated information : XXXX  XXXX XXXX Balance Owed : {$1100.00} - This specific account is erroneously marked as a charged-off account. I seek clarification on why a balance is indicated if it is indeed a charge-off. The displayed balance is unquestionably incorrect, and, if feasible, I request its adjustment to {$0.00} or the outright elimination of the account.
Product: Credit reporting or other personal consumer reports

I have continued to dispute this account with Affirm, account number XXXX as it is fraud. After numerous attempt to rectify this matter with XXXX and the merchant, it's clear they took my money and ruined my credit. I am exhausted and feel I had no choice but to file an identiy theft and a police report regarding this matter. I did not get what I paid for. I was clearly robbed and I need this account removed from my credit report immediately and my payments made to this account.
Product: Debt collection

Closed account due to ID theft and not being mine. The amount claimed is {$730.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : icsystems # XXXX, Account name : XXXX XXXX # XXXX Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>. Noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card

I WENT TO THE BRANCH 2 TIMES AND INFORM THEM THAT THIS ISN'T MY ACCOUNT. THEY SAID YES YOU DON'T OWN THIS ACCOUNT. I ASKED FOR REMOVAL THEY TOLD ME TO DISPUTE WITH CREDIT BUREAUS. I DID IT AND XXXX AND XXXX DELETE THIS ACCOUNT ASAP. BUT FOR SOME REASON THIS XXXX EQUIFAX STILL KEEP IT WHY? I HAVE FILLED ALSO POLICE REPORT AND SEND IT TO THEM BY PRIORITY MAIL. TRACKING NUMBER IS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. THEY RECEIVE IT BUT THEY DON'T CARE OF ANYTHING THEY STILL VERIFY THIS ACCOUNT AS MINE. MEN DELETE THIS ACCOUNT DELETE ASAP POLICE REPORT WILL BE ATACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my card was stolen while in transit, and since Capital One did not have proper security measures, my credit card was activated and money was withdrawn twice. {$20.00} was charged to me in withdrawal fees and {$0.00} interest was charged to me for the withdrawal by the bank. A month later the investigation completed and my account was cleared. The hundreds of dollars of charges impacted my credit utilization. I lost my brother during this time, and instead of grieving I spent hours on hold trying to get back {$0.00} and didn't get it removed until XXXX. I reported the fraud to XXXX, and capital one is disputing it, stating that there " is '' no fraud since it happened in the past. They are lying stating that they have no record of fraud. Furthermore, by charging me interest for the withdrawals, they are profiting off of fraud and committing fraud themselves. 

Capital One needs to implement mainstream and normally-practiced fraud prevention measures, and also should not spread false information about real events and practice fair reporting. This is a violation of the FCRA as it interferes with my ability to verify and ensure credit report accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open