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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX  XXXX account # XXXX on my credit report. This account has been reported inconsistently across the three major credit bureaus, with several discrepancies that need immediate correction : XXXX : The account is reported as a collection agency with a last active date of XXXX and is shown as closed. 
TransUnion : The account is also reported as a collection agency, but with a last active date of XXXX, and is listed as open. 

Despite these conflicting statuses and dates, the account shows no late payments or any other negative information. The inconsistent reporting is misleading and potentially harmful to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), requires that furnishers of information report accurate information to credit reporting agencies. The discrepancies in the reporting of this account, including differing last active dates and the conflicting statuses of being open and closed, violate this provision. Furthermore, under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure maximum possible accuracy in the information they report. The current discrepancies indicate a failure to comply with this requirement. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account with collection agencies without proper and consistent documentation may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e, which prohibits the use of false or misleading representations in connection with the collection of a debt. Additionally, the inconsistent reporting and collection status may violate 15 U.S.C. 1692f, which forbids the use of unfair or unconscionable means to collect or attempt to collect a debt. 

Request for Immediate Action : Given the aforementioned violations, I am requesting the immediate removal of the XXXX  XXXX XXXX XXXX  account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account name : 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 : Also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.

15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.

15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me.
Product: Credit card or prepaid card

Responded to an offer sent to platinum card members last summer to open a savings account with $ XXXX and earn XXXX points. Met the minimum required amount on XXXX XX/XX/XXXX, added another deposit, and have yet to withdraw the money from the account. The promotion stated that the account had to remain open for at least 90 days for the points to be earned. 
In XXXX or XXXX, I contacted American Express and a representative stated that the points would be applied in XX/XX/XXXX. 
In XX/XX/XXXX, the points were not applied, but I figured that perhaps there's a delay due to Covid. 
When the points hadn't been applied in early XXXX, I called American Express. A 30 minute phone call resulted in the agent stating that I did qualify for the points, but there was some type of system issue so they weren't applied. My name and number was provided for the company to reach out to me in 7-10 business days. No contact was received nor did I receive the points. 
My last attempt to resolve this was on XXXX XX/XX/XXXX. I spoke with an agent for more than 20 minutes who escalated the issue to the person in charge of the program. To this day, I have received no communication from the company ( other than the bill ). 
To clarify, none of the money funding the account has been withdrawn to this date. My rewards account still does not reflect the addition of the XXXX points that are due me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX I sold XXXX XXXX to a buyer on XXXX for XXXX. 
I received a receipt for the Bank of America deposit via the website. I could see that the deposit was made in cash. I sent the coins to the buyer thinking that everything looked okay. 
The next day on XXXX, there was withdrawal on my checking account of XXXX. I called Bank of America the same day.and filed a fraud claim.I called back the next day and they said that not enough time has passed and that they are still investigating what happened. I finally received a call today, XXXX from the Bank of America fraud department and they said that someone else filed a fraud claim on the XXXX and they are holding the money while they investigate. They said that I may be liable for fhe fraud because someone had my checking account number. I explained to them that the checking account number is printed on every check i have written from Bank of America and that the information is not that private. They said it had nothing to do with checks, I guess they did not understand the point I was trying to make.The bank also said that I should file a police report with my local department. This crime occurred in another state, Washington so the police would no power there. I feel that I am being treated unfairly and the money I received in cash to my account for coins that I purchased for about XXXX is being held by Bank of America and is in jeopardy of being distributed to another party which is not right or fair at all.
Product: Checking or savings account

I mobile deposited a check into my savings account over a month ago. There was a hold on it and Chase verified they received it and would be removing the hold. I called in the next week and they claimed there was now no record of ever receiving the check and I was instructed to deposit the check into the ATM. I clarified several times to ensure this wouldnt be an issue, they told me no. As soon as I deposited the check, I received the funds, then Chase adjusted it as a duplicate item. I called in and they said there was nothing that could be done because it was a duplicate and that I should reach out to the check issuer ( State Tax Return ). The state verified that Chase had received the funds so they would not issue another check. After countless hours on the phone it was finally told to me that the check was somehow sent to someone elses checking account. I was informed over and over that I would receive a resolution. Every day I called in I was told I would hear back in 24 hours. I even went into a branch and met with the manager who had no idea what to do and failed to call me back. After many more phone calls I thought it was resolved after a Claims rep told me that a temporary credit would be issued within 1-2 business days. When that didnt come I went to another branch and met with another manager who called the claims department and they said the case was CLOSED. I have waited over a month and still can not get any kind of resolution into this. {$950.00} state tax return has been stolen from us. It is absolutely insane to be able to take an endorser government issued check and make errors like this. This is theft and my finances are not secure with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that my accounts were investigated properly but how is that true but how is that correct when the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. I also am not liable for any debt and do not have contracts with collection agencies that are included in my accounts. Accounts include : XXXX XXXX Secured loan with account # XXXX XXXX Lease with account # XXXX XXXXXXXX XXXX loan with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX  with account # XXXX XXXX XXXXXXXX with account # XXXX XXXX, XXXX with account # XXXX XXXX XXXXXXXX with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX with account # XXXX The grounds for removal from my credit report involves the following rights that were violated : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Of which it states that a person shall not furnish information relating to a consumer to any consumer reporting agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Account Details Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  48 % {$1400.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} - {$1400.00} {$1400.00} - Individual Inquiries XXXX XXXX XXXX Inquired on On record until XXXX XXXX XXXXXXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX > XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX Inquired on On record until XXXX Inquired on On record until XXXX XXXXXXXX XXXX Inquired on On record until XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX I ask that alll these inquires be removed from my credit profile as this is a defamation of my character and not allowing me to get new credit or home loans thanks 30 days from this day I will need information about this matter or I will be forced to sue!
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo Bank closed my company 's corporate checking account without my company 's permission.

Wells Fargo claims they sent a refund check, but it was never received.

I have repeatedly contacted Wells Fargo about the issue, and they are aware and agree a refund check We ; ; s Fargo claims was issued in XX/XX/2018 was never cashed.

I have asked Wells Fargo to cancel the previous refund check they claimed to have sent and re-issue a new refund check.

Wells Fargo has not issued a refund. 

Account number XXXX Amount is {$300.00} Thank you, XXXX XXXX XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX
Product: Debt collection

I have received multiple robo-calls daily from XXXX ( Rash Curtis and Associates ) even though I have asked them to stop calling my phone.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX has without my consent sent a background report to a potential employer without first verifying the information. I have since resolved the matter with other public information agencies having the inaccurate information removed and updated reports sent out to the employers butXX/XX/XXXX XXXX has no phone number to speak with anyone theXX/XX/XXXX based live chat has no resolution and I am without employment due to the inaccuracies and defamation being reported. An updated background report needs to be sent out to every employer they sent the inaccurate report to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Account Number : XXXX Account Name XXXX XXXX Account Number XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I was sent a Cash App visa card but I never requested XXXX. It came with my prior married name ( XXXX ) with my current address. On the envelope there was a sticker from the post office saying they were unable to forward the card. So I'm worried someone ordered it in my name and attempted to have it forwarded to their address possibly. I first tried to call the cash app company but they were closed already. Saw that I could file with y'all on redit as others have had the same issue.
Product: Credit card

See the submitted attachments : a cover letter and a complete report of the incident. 
Briefly, I was not billed through the mail for XXXX  months, then billed missed payment fees for not paying what I didn't get bills for. When I did get a bill I paid it the next week, but not the penalty fees. The penalty fees have now blossomed to {$130.00}. No help talking to the bank, and the store manager tried to help, but was told he could not.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX