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

Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " XXXX '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Product: Credit reporting or other personal consumer reports

Good morning I received three letters from three separate banks stating I applied for a credit card and I got denied. I never asked for those credit cards. Im a XXXX XXXX. I have my regular bank XXXX card. I dont know whos applying for these credit cards if it has something to do with a credit check, I went to the bank and they said there was nothing they could do. I just wanted to make it noted to them so my next option was to try to get help from you people Id really appreciate it. I dont want my credit to be awful now because they say that I applied for these credit cards and I did not hope you can help. Thank you so much XXXX XXXX.
Product: Debt collection

REACHED OUT TO COMPANY TO PROVIDE ORIGINAL CONTRACT TO VALIDATE DEBT, COMPANY NEVER PROVIDED INFORMATION, BUT KEEPS VALIDATING DEBT WHEN I DISPUTE IT. WANT THIS DELETED FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately 1. XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Hello Im writing this letter in regards of this company closing my account I am currently XXXX and XXXX weeks high risk XXXX I have no access to my funds for emergency reasons and complications Im currently facing so this has been a big inconvenience and putting me under a lot more stress I need access to my funds due to medical reasons and medication that is emergency that is XXXX XXXX to me and my baby
Product: Credit reporting

I have filed a complaint against Trans Union for reporting incorrect information on my student loan. Trans Union reviewed my complaint and on XXXX XXXX, 2016 corrected the late payments on my student loan and responded to my complaint in writing. On XXXX XXXX, 2016, I discovered that the late payments were reinserted into my Trans Union report. Credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Trans Union needs to delete the late payments on my student loan immediately.
Product: Checking or savings account

My account has been a victim of fraud. Its a business account and I have complied with everything. Chase has directed me to do. There are two more transactions that are fraud that they are refusing to return into my account. One is an out of state a CH charge or gas station that was not me. They can clearly see by my banking history that all my purchases are done by debit in XXXX XXXX XXXX XXXX  And any ACH payments that come out of my account are limited to three. The kind of payment came out of my account for XXXX I never ever have made a kind of payment for that much. I have contacted XXXX XXXX office. Spoke to XXXX and they are reopening it with no guarantee. This is not fair and unwarranted. They they told me that I have to go after the merchant who I dont even know and only information I have is gas station in XXXXXXXX XXXX XXXX  and then if I want any document that they have, I have to get a subpoena. I never authorized any ACH payments for that gas station and I did not authorizethe other fraudulent charges that they have returned. They asked me to go into the branch and get a new account because this was compromised I can not do that because my account is a negative balance and when I ask them to put a stop payment XXXX, who I dont even use his insurance they never did it and the vendor hit my account again. This is gross negligence on the part of Chase Bank. I want the last 3 fraud charges reversed.
Product: Credit reporting or other personal consumer reports

XXXX keeps reporting to the credit reporting agencies as negative reporting accounts to my credit report and its not correct. 
I don't know how its reporting negatively with a positive balance! 
This information is not supposed to be reporting to the credit reporting agencies because this is private information. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, post-secondary school.

20 U.S. Code 1232 ( b )
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS SYNCB/XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from SYNCB/FRNROW WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that I should be liable for the amount that they are saying I owe them. The original amount {$2200.00} that was given to me when I declined the " chance to not upgrade my vehicle '' and the poor customer service I was given that day. I was provided documentation which states the amount that was given to me. They then reported an amount of {$4900.00} to the credit bureaus. I contacted the company and spoke to XXXX who indicated that I owed over XXXX XXXX. She then sent me the documentation indicating I did indeed owe over XXXX. With the lack of correct information that has been given to me over and over with this company proves inaccuracy. Again I am requesting for it to me removed from all three credit bureaus as they have proven inaccuracy numerous times and Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX 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.
Product: Credit card

My AMEX Macys credit card ( XXXX, XXXX ) company refuses to correct my account from 60 days past due, per their error in processing my return, to that of a {$0.00} balance, no late payment. Despite my efforts for the past 3+ months to have them correct my account and forward the correction to the credit bureaus ( XXXX , XXXX , XXXX ), they refuse to do so and forward a statement of said correction to my attention. 

At present, XXXX documents payment status as " current, was past due 60 days. '' Moreover, they document 60 days late for XXXX 2016. 

XXXX, too, documents 60 days late for XXXX 2016. 

I have never been late in making payments. The accounting error stems from the fact that they did n't process a product return and allowed for finances charges to accrue thereby generating erroneous late payment notifications.
Product: Debt collection

My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC # : XXXX Cfpb # : Dear XXXX Credit Bureau, My name is XXXX XXXX, and I am writing to address the ongoing issue of identity theft affecting my credit report. Despite my prior efforts to resolve this matter with XXXX, fraudulent accounts remain on my report, contributing to a significant decline in my credit score, now in the XXXX. This has directly resulted in my recent denial for a home loan. I have submitted a new FTC complaint and am requesting immediate action to remove these fraudulent items. 

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681I ), I am exercising my legal right to dispute the erroneous information on my report. The listed companies do not have any legitimate accounts associated with me. These fraudulent accounts have been forwarded to a collection agency without proper validation, which is a violation of the FCRA. 

Fraudulent Accounts to be Removed : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that emotional distress and financial damages are recoverable under the FCRA when inaccurate reporting harms consumers. XXXX failure to resolve this issue makes it liable for actual, statutory, and punitive damages. 

I request the immediate removal of these fraudulent accounts. If action is not taken, I will pursue further legal remedies. 

Sincerely, XXXX XXXX
Product: Debt collection

I've been receiving phone calls starting at XXXXXXXX XXXX. back to back multiple times I believe I counted as many as six calls before XXXXXXXX XXXX, when I answer the phone no one will speak I can hear background noise and voices in the background but no one ever acknowledges that I answered the phone. I have called to complain but they say initially they have not called until I say that I am making notes of this and have the call logs and are going to submit a complaint to consumer Finance protection bureau, then suddenly they are aware of the calls and sight technical issues or some other unknown issue. The phone calls however do not slow nor do they stop not speaking when I answer the phone. I have been receiving XXXX XXXX over the past few months, I do not believe that it is this company that is sending them, but when you receive XXXX XXXX alongside phone calls where no one will speak constantly it becomes unnerving and unsettling quickly. I have made my agreements known with the company to no avail and I'm now reaching out to my government for help. Is there anything that can be done about this? And should I contact an attorney about the harassment? I am afraid and unaware of what steps to take next about this issue, any help would be greatly appreciated. I will gladly give the call log history upon request because I think I have to pay to get a detailed list going back that far. Thank you have a nice day.
Product: Credit reporting or other personal consumer reports

I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge o and verify its accuracy, including compliance with XXXX XXXX standards for reporting. XXXX XXXX guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the XXXX XXXX compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report.

Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge o or meet XXXX XXXX requirements, the entry must be promptly removed. 
Please treat this dispute with urgency and provide me with verification within the legally mandated XXXX  day time frame.
Product: Money transfer, virtual currency, or money service

i created my first only venmo account to accept a payment from my boss, for previous hours that i had worked. my boss sent me a {$250.00} payment less than 5 minutes after creating the account, and as SOON as i tried to transfer the funds into my bank account venmo froze my account without reason and refused to let me use or transfer any funds in my account for the past 3 weeks!!!!!! i have been contacting them EVERYDAY. with their phone reps hanging up IN MY FACE time after time saying they cant help over the phone, but to " reply to the account frozen email '' that they sent me and theyd reply within 48hours there, WHICH WAS A LIE. i have been calling them for weeks and EACH TIME THEY REFUSED TO HELP ME AT ALL ; EVEN AFTER THEIR SUPERVISOR TOLD ME THAT VENMO 'S APP GLITECHED AND WRONFULLY CAUSE THE FREEZE, THE STILLL REFUSED TO HELP. SO i filled out their online contact forms, that LIE AND FALSELY SAY THEY'D CONTACT ME WITHIN 24 HOURS FROM WHEN I COMPLETE THE FORM. ITS BEEN WEEKS SINCE I FILLED OUT THE FORM AND THEY REFUSE TO CONTACT ME. EVEN AFTER i submitted EVERYTHING THEY FORCED ME TO ( ie. my drivers license, my social security number, birthday, address... that i sent to them the SAME DAY that they wrongfully froze my account. ) i am STARVING AND COULD USE THE MONEY I HAVE IN MY ACCOUNT BUT THEY WONT LET ME FOR ALMOST 3 WEEKS AND I HAVE A RIGHT TO IT. i have done absolutely NOTHING WRONG. ITS NOT FAIR TO ME I HAVE MONEY IN MY ACCOUNT BUT I HAVE TO GO HUNGRY BC VENMO REFUSES ME ACCES, STATING THEY COULD GIVE MY MONEY BACK TO THE SENDER BC OF THEM wronfully freezing my account. they still refuse to help even AFTER submitted this case to the XXXX. who gave my you guys ' information. ive emailed Venmo for WEEKS BEGGING AND PLEADING TO unfreeze my account but THEY NEVER RESPOND. I need and deserve access to MY MONEY, i have a child. how can they treat me like this and get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting incorrectly to XXXX and XXXX that I am an Authorized User on Chase Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called Chase Bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX and XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit card

My XXXX XXXX is a now closed account. I have a balance that is due. I am UNABLE to add a payment account. I have called XXXX for XXXX  days straight to no avail. 

I spent atleast XXXX minutes each call getting passed around from agent to agent and NOTHING is resolved. 

This bank is trying to prevent me from making a payment. I spoke XXXX tonight XX/XX/year> and she too can NOT add a new account! Her solution was to mail a check or to use the XXXX account still in my profile. I do not have funds in that account. 

There should be absolutely XXXX  reason why a customer XXXX an agent can not add a payment account. 

Additionally, I removed my email address from my BarclayBank account as I am in a payment program and the bank would constantly, as in DAILY send emails inciting/ threatening my payment program was in jeopardy of ending if I did not make my payment - THEN! These notices come XXXX  days plus before my payment is due. And daily until it is due. It is absolutely a form of inappropriate business practice. A FRIENDLY reminder is acceptable, but to start the message out the plan is in jeopardy of being canceled is EXTREME and unnecessary, especially A WEEK OUT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to financial hardship, I was unable to pay my XXXX XXXX payment. I contacted them at XXXX point to bring the account current as I was due an adjustment. XXXX failed to give me the adjustment. As a result, I never caught this account up and the account was charged off. During tax season, I received a cancelled debt XXXX that i had to file with my taxes. This debt should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I used points to redeem a credit on my XXXX XXXX credit card to get ahead of my balance. Once I did this XXXX XXXX took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but XXXX XXXX refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with XXXX XXXX, XXXX, Transunion and a complaint to the XXXX. XXXX XXXX has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. XXXX XXXX needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/XXXX Bank of America send a wire transfer on my behalf to XXXX XXXX XXXX   under a company name XXXX XXXX XXXX. The Company could also be known as XXXX XXXX. The money was send for me to purchase an investment product called XXXX XXXX. I never received the product. Later I figured that the whole thing was a scam. On numerous occasions, I asked Bank Of America to retrieve the money from XXXX XXXX. They reported that the account owner closed the account with XXXX XXXX. The case # at Bank of America is XXXX. Please retrieve the money from XXXX XXXX. It is a scam. 

Thank You
Product: Debt collection

I 've reported this company before. Now they 're back to the same sort of robocalls I got at first that do n't mention who they 're calling for or that this is a debt collection. Here 's the transcript of the message : This is a final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative any investigation against you if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX, please reference & lt ; call ended & gt ;.
Product: Credit card or prepaid card

Payment of {$70.00} was made on XXXX to bring my account current for the XX/XX/XXXX payment date. I was charged a late fee on XX/XX/XXXX which put me over the limit. 
The company stated I made my payment too early so it charged me a late fee. I requested the fee to be waived and they refused.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a personal loan with AVANT for {$23000.00} and received the loan within the week. This loan was paid off on XX/XX/XXXX. 

On XX/XX/XXXX I again applied for a loan with AVANT but was denied and not given a reason for the denial. Was told that an email was sent, but I never received it and AVANT refused to resend it. Being that I did not understand the reason for the denial and was not given any follow-up info, I requested that an investigation be conducted because AVANT requested a document from me and before I was able to send it ... THEY DENIED THE LOAN. Was told to reapply in 30 days because there was nothing that they could do in the support office because the processing center had all of the info and they did not speak to customers. Nothing ever happened, upon continuous calls to AVANT, they pretended to have no info of me requesting and investigation and had no further info. 

On XX/XX/XXXX I again applied for a loan with AVANT and was again denied and told that there was no info as to why my loan was denied but I could reapply in 30 days. When I asked for info on the previous loan being denied or info on the investigation and was placed on hold for 20 minutes and no one ever returned to the call with info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed an FTC report with the credit reporting agencies and XXXX XXXX agreed and removed this account on or about XXXX of 2021. This account was mistakenly sold to XXXX XXXX and they are ILLEGALLY REPORTING IT as of XX/XX/2021 opened date. This is not true and a major violation of reporting laws.I expect this to be removed now