23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I have the Chase Freedom Unlimited credit card account. They advertise a 5 % cash back reward when you book travel through their Chase Travel site. That is exactly what I did, but I did not receive the promised 5 % reward. When I called to complain about the discrepancy the clerk referred the matter for correction, as she could not explain the discrepancy. 
The dates and amounts are as follows : XX/XX/21 {$330.00}, XX/XX/21 {$160.00}, and XX/XX/21 {$92.00}. 
Today I received a reply back from Chase stating they were crediting me ONLY a 3.5 % reward, and ONLY for the XX/XX/21 charge. 

Please help me rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 
XXXX - XXXX The following inquiry was not authorized and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Found an Hard Inquiry on my consumer credit report from Chase Credit card Entry on my credit report dated XXXX XXXX 2015. Was not written or verbal consent to have that hard inquiry for credit at that time made by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Was Paid And Closed : Thank you for contacting XXXX 

We are committed to supporting you. 

Our records indicate that you paid off the {$500.00} charges on the account ending XXXX on XX/XX/2020. 

On XX/XX/2020, a Paid In Full Letter was scheduled to be emailed to you for your records. 

As a general note, it can take credit reporting agencies up to XXXX days to update your credit report. 

Unfortunately, once we report to the credit agencies the updated changes, it is up to them to make the change effective on their end. 

We apologize for any inconvenience in this matter and wish you the best in the next stages of your life. 

Thank you for your valued time. 

Please feel free to reply if you need further assistance. 

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

In XX/XX/2022 I made complaints against the credit bureaus regarding information not being accurate in my credit report. I received responses from each credit bureaus as if the claims were investigated and my credit reports were verified. 

If the each of the credit bureaus verified my accounts that were being submitted to CFPB, why do my credit report indicates from each of the credit bureaus that the accounts were never disputed? If they were verified why is all of the highlighted information on the accounts still not the same? 

Equifax complaint number XXXX XXXX complaint number XXXX XXXX  complaint number 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 XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX  - Has violated my rights 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.
Product: Student loan

I have a private loan with sallie mae. I fell behind because I lost my temp contract job. When I initially called to explore options, they wanted me to pay {$50.00} for forbearance application. I explained that I did n't have {$50.00}. They told me to borrow the money or they ca n't help.     Since then I paid {$600.00} and then called again to explain that my temp job ended ahead of time. They keep harrassing the cosigner despite being told that the cosigner is  XXXX  and had no source of income.     In an effort to get them to stop the harrassing, I asked them to call me rather than the cosigner. When they refused, I told them not to add my number to the system. They refused and now they 're also harrassing me.     I ca n't make payment without a source of income. I also have loans with other companies who have been more understanding than this greedy company without any compassion whatsoever.     I gladly pay my monthly bill when I was working . 2 yrs wi th no problems. They 're welcome to keep harrassing me but the fact is they wo n't be getting payment until I have a steady job. Threatening to ruin my credit history was also a nice touch.     I just want them to stop calling my mother all the   XXXX   time.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Cares Act in 2020 I was Flagged Late on my credit report for the Months of XXXX and XXXX although I still made my payments. From my understand Banks and creditors were not suppose to report late payments during that period. I was affected tremendously by COVID-19 with my work and health all at once. I reached out to my creditor and they failed to listen to my request of removing the late payments on my credit report.
Product: Money transfer, virtual currency, or money service

I have tried multiple times since XX/XX/21 to transfer a cash balance of {$570.00} from my account with Robinhood to my personal bank account. Each time the web transfer fails. Ive messaged Robinhood multiple times with no response or a robot response that does not address my issue.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my credit report regularly, but this time, there were discrepancies that just appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The false accounts stayed there. Because of this issue, I am requesting that the documents I provided be carefully reviewed so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding my credit report. Despite multiple attempts, I have been unsuccessful in having a late/closed account removed from my credit file. 

I have made several requests to have this information investigated and rectified, but it appears that my efforts have not yielded any positive results. I understand the importance of an accurate credit report, and the presence of this inaccurate information is adversely affecting my creditworthiness. 

I kindly request that you conduct a thorough investigation into the matter and take appropriate actions to rectify the inaccuracies in my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I have attached supporting documentation, including Driver 's License and Proof of Address. 

I appreciate your prompt attention to this matter and request that you provide a written response within 30 days, as stipulated by the FCRA. If the investigation confirms the inaccuracies, I expect the prompt removal of the erroneous information from my credit report. I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EQUIFAX MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this Capital One Account has been disputed with XXXX. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company Capital One in several occasions with no success on any resolution. XX/XX/XXXX the capital one account was challenged through XXXX to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.
Product: Payday loan, title loan, personal loan, or advance loan

After, I take the loan online, and I found out the interest rate is to Hight the process fee to high too. I request {$15.00}, and I ended to pay {$21.00} I think something wrong with the companies
Product: Money transfer, virtual currency, or money service

I was a victim of the XXXX scam and Wells Fargo is telling me they will not be returning my money. I was scammed {$1000.00} from one account and {$10000.00} from another for a total of 11,000. The scammer called from the customer service number of the bank which I have a screen shot of and stated if I didn't enter the codes provided that a scammer was going to get my money. 
I first got a text asking if I approved a transfer and then I got a call from the banks customer service number so I believed I was talking to the banks fraud dept but in fact it was a scam. By the time I felt uncomfortable they had taken my funds.
Product: Credit reporting

Transunion and XXXX are reporting a new account open as of XXXX XXXX from XXXX XXXX. The account was open XX/XX/XXXX and the payments are almost over not just beginning. I have contacted XXXX XXXX and the were very helpful and said the would call the reporting agencies and see why this mix up happened. My credit score with both of these places has dropped XXXX points due to this and again - I am having to dispute incorrect information on my report. I have contacted both agencies and Trans Union sends me of a copy of my report. I do not need yet another copy of my report. I want to know if this is what is lowering my score as there is not ONE change on my report other that this mis reported item I need specific details not an innacurate copy of my reportI am getting very frustrated with all XXXX of the reporting agencies for their failure to not only report correct information but for also their lack of diligence to fix the errors. I have been working on my credit for over 5 years and find this extremely frustrating and feel there should be legal recourse for these issues.
Product: Credit card

An unauthorized charge of {$3200.00} on XX/XX/2023 was charged to my credit card. Ive tried disputing with navy federal but was told theres nothing they could do about it without proper documentation. Ive submitted documents and was told those wouldnt work. So I appealed for a 2nd time with more documents and was told I can no longer appeal my case. This charge has been extremely detrimental to my credit score and completely unacceptable
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 
Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  This is in accordance XXXX the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

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

There are multiple late payments reporting on my report. I was never late on any of these accounts.
Product: Debt collection

I contacted this company in regards to a delinquent account they are reporting on my credit report. I asked them to validate this account and they have yet to do that. On top of not validating the account they never marked this account as " disputed by consumer '' on my credit report.
Product: Checking or savings account

Several debit transactions were taken from my Bank of America checking account by XXXX XXXX. The total amount is {$2500.00}. On XX/XX/XXXX {$720.00} on XX/XX/XXXX {$19.00} on XX/XX/XXXX {$360.00} on XX/XX/XXXX {$360.00} on XX/XX/XXXX {$720.00} on XX/XX/XXXX {$360.00}. When I tried to contact XXXX XXXX I was not able to find a contact phone number. I did find a website not in the USA and I did not find an account or any of my information. 

Several debit transactions were taken from my Bank of America checking account by XXXX XXXX. The total amount is {$3600.00}. Beginning on XX/XX/XXXX until XX/XX/XXXX. I was told by Bank of America the charges were authorized by me or made by someone who had my permission to use my card. This is not correct. I was in Oregon much of the time as my father passed the end of XXXX.
Product: Vehicle loan or lease

GM Financial over the lst six years has fought me on what my accurate account history is. I had a co-signed loan that was also reported to the co-signers credit. 

The information this company reported, has reported, and continues to report to both of our credit files is different. 

They refused to acknowledged the fact that the payments they claimed were late were in fact not late until years after the loan was paid off and the account closed. At that time after submitted over a dozen disputes that were denied they came back in agree-ance that the payments were not late.
Product: Credit reporting or other personal consumer reports

I was not contacted as to how the investigation was performed on the accounts listed. 
# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Codes 15 US 1681i ( a ) 1! 5 US 1681i ( e ) 6 ( B ) 3 15 US 1681i ( a ) ( 5 ) B
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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 instruction.