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

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it.

If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing this item removed. 

I demand the following account be properly verified or removed immediately. 


Name of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made an online payment to my credit card company XXXX on Fri XX/XX/XXXX for the minimum amount due. The payment was processed to be deposited from my checking account number with Citizens bank for the amount of roughly {$180.00}. When I checked my Citizens bank account today XXXX had charged my bank {$5600.00} to pay off my full credit card which caused my bank to overdraw my account by {$3900.00}. I called Citizens bank and they advised they approved the payment even though it overdrafted my account. I asked them to send the payment back as insufficient funds as I did not authorize a payment to be charged to my account for that much. Citizens advised they can not as the bank approved the transaction. The only way to get my funds back is to file a claim. I placed a claim with them and they advised it will take 12-14 business days to resolve if it can be resolved. Which is absolutely ridiculous. That means I have no money for nearly 3 weeks time. I have bills to pay and bills that are set to come out of my account automatically and I will get charged fees for them bouncing back or late fees as the bank says my account is negative in the meantime. 

So I called XXXX and begged them to reverse the charge. XXXX advised they can credit back to my account the difference between what was charged and what the amount was supposed to be. Which will bring my checking account with Citizens back to positive but it will take 1-2 business days. 

I called Citizens bank back and they advised if XXXX does that then Citizens bank will charge me an overdraft fee for every transaction that occurs in the in between. 

Citizens bank should not be authorizing payments that overdraw someones account over {$3900.00}. I did not authorize that payment and would not overdraw my account by an egregious amount. Meanwhile Citizens bank is going to punish me and charge over 13 {$35.00} overdraft fees because I had XXXX fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is appearing on my credit report for all three bureaus that does not belong to me. 

XXXX  - Acct # XXXX XXXX {$0.00} Opened XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

I would like to first explain to you, that I have found errors in my consumer report. After looking at a copy of my credit report. The credit report showed incorrect information by your company that I do not authorize. Per 15 USC 1681 B Permissible Purposes, you need my approval to place any information on my credit report. Also, per 15 USC 1681 EB Compliance procedures, you have to be 100 % accurate you are not accurate.
Product: Prepaid card

I had to withdraw my XXXX for {$1300.00} because I am getting evicted. My deposited the check to my Cash App account on XX/XX/XXXX XXXX XXXX XXXX ( a Saturday ) with a message on the app saying that it will be available WITHIN 4 business days. It has now been 7 business days and I have been calling and emailing with representatives for days with no kind of explanation or consideration at all. They just keep telling me to be patient and wait. I called the issuer of the check ( XXXX ) and they informed me that as of XX/XX/2024 the check was in cashed status and they no longer have possession of the money. This means that THREE days after I deposited the check cash app gained access of my money and now SEVEN DAYS LATER ( 5 business days ) I still dont have my money. Every time I call the representative pretends to be looking into my case for an insane amount of time ( Ive been on hold for 40 minutes at a time ) and comes back with absolutely nothing. They just tell me to be patient and allow more time for the check to be processed! I AM BEING EVICTED! With XXXX XXXX! This is not right! Please help!
Product: Credit card or prepaid card

My account was frozen by ReliaCard for identity verification. I called the company to try to resolve the issue and was told to fax in a copy of my social security card and ID and it would be unfrozen in 3-4 days. I did as instructed and a week later it was still frozen. I called again and was told to fax in my social security card, ID, and W2 forms. I told them I lost my W2 forms in Hurricane Laura and faxed in the other documents a total of 3 times. It has been over a month that it has been frozen and they will not help me resolve it. My XXXX  fianc and I are having to live in a home with black mold and a collapsed roof due to not being able to access the money in my account.
Product: Credit card or prepaid card

I applied and received a Capital One Credit card in XX/XX/XXXX. The company was offering a XXXX miles credit when spending a certain amount within a specified time. I fulfilled the criteria and booked an international flight using the miles credit. 
The flight was on XXXX XXXX and was to commence on XX/XX/XXXX. The reference # was XXXX the Trip ID is XXXX This flight was cancelled by XXXX XXXX. I called Capital One Rewards/Travel dept on XX/XX/XXXX and spoke with XXXX. XXXX assured me that, although the miles did not appear on my statement, that I had a {$940.00} travel voucher. I called the Travel/Rewards 2 times today ( XX/XX/XXXX ) The 1st time I disconnected after waiting for 2 hours. I called general Customer support afterwards, speaking with 3 different employees who all told me I would need to resolve the issue with their Rewards Dept. I called a 2nd time and waited an additional 2 hours. When my call was answered the employee on the other end listened to my problem and then appeared not to hear me. I was then disconnected. My intention was to book a couple of domestic flights in XXXX. While on hold I watched every flight I intended to book sell out. 
I am unable to 1. view my reward credits of {$940.00} 2.Book travel via the Capital One site using this credit or 3.Redeem this credit through XXXX XXXX, who say they are unable to rebook as it is a 3rd party booking through my credit card company. 
In addition to this I also have a XXXX miles I have not yet redeemed. My outstanding balance on the credit card is {$0.00}. and my payments have always been on time. I have included original flight information prior to its cancellation at the bottom of this email. 

Itinerary XXXX ( XXXX ) XXXX ( XXXX ) Flight Details and Seats Travel DatesWed, XX/XX/XXXX XXXX Passenger RefundabilityRefundable Rules, Policies, Cancellations Outbound : XXXX XXXX, 1 Stop, Premium Economy Wed, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Operated by XXXX XXXX XXXX XXXX XXXX XXXX Operated by XXXX XXXX XXXX XXXX Subtotal {$940.00} Booking Status Confirmed Airline Reference Number : XXXX Agency Reference Number : XXXX This fare is refundable Call XXXX to discuss your options to cancel or change this flight. 

Payment Summary Price Exclusions : For itineraries that include flights, the selected airline 's baggage fees will apply. For hotel stays, resort fees may apply. 

Trip Total XXXX or {$940.00} Miles Redeemed XXXX Miles Value Redeemed - {$940.00} Total Miles Redeemed XXXX Miles
Product: Credit reporting

The accounts XXXX and XXXX ( ANY AND ALL BANK XXXX XXXX ACCOUNTS ON THE CREDIT PROFILE ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit XXXX Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank XXXX XXXX is gaming the system to punish me for beating them in the courts.
Product: Student loan

I set up automatic payments, they stopped them. 
I saved my bank information, they removed it after being saved for months. 
I try to manually pay, nothing goes through. 
I try to update anything on their site, their site won't let me ( constantly errors out ). 
I emailed and called, no help. 
I can watch my interest accumulate, so there is that.
Product: Credit reporting or other personal consumer reports

Source of Information : FIRST CITIZENS BANK ; XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : Telephone Number Not AvailableReported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXXReported XXXX XXXX XXXX XXXX, NC XXXX XXXX SSN/ID : XXXX License : XXXX State : XXXXDate of Closure : XXXX # : XXXX / XXXX Charge Off Amount : $ XXXX Status : UNPAIDClosure Status Date : XX/XX/XXXX, XXXX : XXXX XXXX BANK ; XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone XXXX Not XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provided : XXXX XXXX XXXX XXXX XXXX NC XXXX Provided : XXXX License : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Number : Telephone Number Not Available Inquiry Date : XXXX Provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Provided : XXXX License : XXXX : XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MA XXXX Number : Telephone Number Not XXXX XXXX XXXX XXXX XXXX Provided : XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provided : XXXX License XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone Number Not Available Inquiry Date : XXXX XXXX : XXXX A XXXX SSN/ID Provided : XXXX XXXX XXXX XXXX : NC, I have sent in FTC report, police report and have sent XXXX XXXX of XXXX XXXX XXXX XXXX the alleged XXXX isn't XXXX nor XXXX I give anyone authorization to use my personal info.
Product: Credit card or prepaid card

ON MY XX/XX/XXXX RESERVED A RESIDENCE STAY WITH XXXX FOR THE PERIOD JXXXX XXXX XXXX 

DUE TO THE HOG FIRES IN SAME PROXIMITY OF THE RESIDENCE STAY. I CANCELLED RESERVATION. BOTH THE PROPERTY MANAGER AND XXXX ASSURED ME THAT I WOULD BE REFUNDED. 

CITI - THE CREDIT CARD CO. STATES " THE MERCHANT IS NOT WILLING TO ISSUE CREDIT TO MY ACCOUNT ATTACHED IS WEBPAGE CORRESPONDENCE WITH XXXX XXXX PROPERTY MANAGER '' DATED XX/XX/XXXX ATTACHED IS EMAIL WITH XXXX REPRESENTATIVE XXXX DATED XX/XX/XXXX. 

ATTACHED IS LETTER FROM CITI DATED XX/XX/XXXX. 

TOTAL CHARGES {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Reached out to Experian, about an account I believed that was reporting inaccurate information on my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Date of Last activity showing different dates nad not reporting to Experian and reporting incomplete information This account is showing the terms of the account after its been charged off and closed this a violation of the FCRA and how can this account be reported is accurate when this false information on my credit is clear indication they dont care care about this laws that protect me or any other consumer, and the balance is wrong Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit from XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute : Inaccurate Reporting of Charged-Off Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the below accounts listed on my credit profile : XXXX. XXXX XXXX Acct #. XXXX showing {$16.00} past due/charged off XXXX. XXXX XXXX Acct # XXXX showing {$82.00} past due/charged off XXXX. XXXX XXXX Acct # XXXX showing {$490.00} past due/charged off It has come to my attention that Experian is failing to maintain the accuracy of information regarding the XXXX account ( s ) that is reported as charged off while simultaneously showing a past due balance. 

This conflicting information is not only misleading but also constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). A charged-off account should not be reported as having an outstanding balance ; this is completely unacceptable and is damaging my credit score and financial standing. 

I demand immediate investigation and correction of this reporting error. Specifically, I request the following : 1. Verification of the charge-off status of the account. 
2. The immediate removal of any past due balance reported on this charged-off account. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 


I expect a prompt resolution to this issue and an update on the actions taken to rectify this harmful error in my credit report. Your failure to ensure accurate reporting is entirely unacceptable and will not be tolerated. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

These are Doctor Bills that have been paid for buy insurance and the way they Discriminated against me I considering suing them for malpractice.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights.

15 U.S.C 1681 section 602A. Clearly states that 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 an account verified without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purposes. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have one accounts with JC Penney ( see attached documents ) for over 15 years. Many years we have had a good relationship with each other. I have never had a late payment with them. 

I got XXXX  with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. I am still trying to work something out with them.
Product: Debt collection

In XX/XX/2023, Oliphant financial posted a collection account to my credit. I called Oliphant and learned they had attempted to send a letter to an address in XXXX AZ that I had lived at in over five years. Oliphant told me that the original creditor was a company called XXXX and I told Oliphant that I have a fraud alert on my credit file and that I do not remember ordering anything from this company and that in XXXX my banking information was hacked so I needed to verify this charge. I told Oliphant that I never received any communication from them prior to them reporting this to my credit file and that I had not opportunity to validate the debt within the 30 days I am entitled to. I then filed a complaint with the XXXX complaint # XXXX. Oliphant used stall tactics initially responding to my XXXX  complaint that they couldn't respond because it would reveal my personal information and they did not have permission from me. So I did not accept that response and their second response was to have me call them again. When I called them again, I was just told the same thing so I'm not sure what the point was in having me call them again. I have called XXXX and apparently this company does not exist anymore. It was bought out and the new company can not prove that I was the one who ordered this or give me any additional information. The original creditor can not validate the debt! I offered Oliphant the money just to be rid of this headache and have my credit restored but I was told they do not offer pay for delete. Because I never received proper notice and because the debt can not be validate since XXXX does not exist anymore all collection accounts should be immediately DELETED. For reference Oliphant employees I spoke to XXXX and XXXX.
Product: Mortgage

Carrington Mortgage services llc, XXXX, CA XXXX did take negative, uncalled for actions on my property XXXX XXXX XXXX XXXXXXXX, VA XXXX which I sold on XXXX XXXX, XXXX. I did complain about their lousy actions and asked for appropriate restitutions. They denied my request vide their letter dated XX/XX/XXXX. 

Justice be done to me by overruling their actions of cutting off electricity, water and gas connections and placing a lock box on my house on the morning of XX/XX/XXXX. It is a fact that I was behind on the mortgage by two months and they were informed of all development in the case right from the time the property was listed for sale in XX/XX/XXXX. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX Account XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX, has violated my rights. 
The US Department of Edu XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.