23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed numerous accounts on my credit reports and they would remove them because they could not be substantiated or the information was wrong. I go back and check it again and they have put them right back on my credit reports. 

One in particular is CASH - one month they state I owe them {$1400.00} - then all the sudden it went to {$140000.00} - I called to dispute and they did remove it but turned around and put it back on their this month!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken action to get inquiries remove that I am not aware of.
Product: Money transfer, virtual currency, or money service

I stood in line for a hour got to the teller, she calls over another XXXX woman who happens to be customer care they talk in XXXX  type a few things then tell that I can not cash my check because you guys have a check cashing limit. I then said you guys charge non customers to cash checks no matter the amount and she said that they do not do that I MUST have an account with them. The check is for XXXX from my lawfirm who happens to bank with boa so boa is who issued the check.
Product: Checking or savings account

pnc bank is directly knowingly and intentionally engaging in : 1. ) Bank/WIre fraud ; 2. ) Identity theft. pnc is XXXX  criminally corrupt bank out of XXXX, pa that has been allowing and enabling XXXX via it back office and/or externally to engage in embezzlement, fraud, identity theft, and wire fraud. I have absolutely know idea what this pnc bank account is as I did not open it and I did not authorize the opening of such an account. Moreover, at least three times now I have reported a similar issue with bank-wire fraud to Florida Governor XXXX XXXX XXXXXXXX , so I suspect he may able to provide some insight on this criminal conduct of pnc bank .
Product: Credit card

Kindly take a look at the attached documents. I'm urging the bureau to commence an investigation into these accounts where I have always made timely payments, but they are incorrectly reporting me as late. It is unfair considering my consistent efforts to pay these accounts on time.
Product: Payday loan

called me saying they would serve me papers at my job calling friends and my family harrassing them saying if they didnt get a number from them they would be arrested. man called and said he was a legal courrier for my county found out they dont have no such thing
Product: Consumer Loan

I have an inquiry on my credit that is not mine. I never applied for credit with this company and no proof through my investigations has been provided. Company fails to respond.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act, the account XXXX  XXXX  has violated my constitutionally safeguarded consumer rights to privacy and confidentiality as outlined in the Fair Credit Reporting Act and 15 U.S.Code 1681. 

I contacted Transunion and XXXX to initiate a reinvestigation of these accounts : Account name : XXXX XXXX, Account # XXXX. Nevertheless, they affirmed that everything was complete, accurate and updated. How is that possible if the high balance, date reported, date opened, account rating, account status, creditor remarks, payment history are all inaccurate and incomplete? 

As per the provisions according to 15 USC 1681, Procedure in case of disputed accuracy ( XXXX ) ( A ) ( i ) If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for an individual to provide any consumer-related information to a consumer reporting agency if they are aware or have reasonable grounds to believe that the information is incorrect.As per the Fair Credit Reporting Act. The account XXXX XXXX has violated my constitutionally safeguarded consumer rights to privacy and confidentiality as outlined in the Fair Credit Reporting Act and 15 U.S.Code 1681.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the accounts to " closed or open /never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I've tried several times to transfer money from my Marcus Savings account to my external bank account which are both in my name. When attempting the transfer via the Marcus app, I get a message saying that I need to call Marcus Goldman Sachs to do the trfr. When I call I'm told someone from another dept will return my call. They never call back. I called again they asked for an alternative number to reach me I gave ( XXXX ) XXXX They did not call that number. I was told by the Marcus rep that the number they called was a number with an area code ( XXXX ) it appears they are calling random numbers not associated with me. I don't have a number with a ( XXXX ) area code. I hope Marcus is not calling random numbers asking for me or discussing my account when they call random telephone numbers. The area code they called is in another state. I live in XXXX  They also said my ( XXXX ) XXXX XXXX was not a number in my name which it has been in my name for almost 15yrs. I'm not sure what type of hold they have on my account or why but it is not allowing me to access my funds. At this point I want to close the account. Additionally I can't access the statements on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. XXXX XXXX reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}
Product: Debt collection

On XX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as names on the bill that is not mine. I provided a copy of my written contract and details of their errors and received a response from XXXX XXXX in writing on XX/XX/XXXX clearly stating that everything is correct. They did n't fix anything and instead stated that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract or correct the billing errors, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract or correcting the bill and I immediate cancelled prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with Credence. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXXr , SSN : XXXX, Date of Birth:XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.

If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with XXXX XXXX XXXX XXXX, I request to the credit bureau and XXXX XXXX to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but transunion an XXXX  report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed XXXX is reporting information accurately"
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, believing in accurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX, the alleging systematic issues such as failing to forward consumer- provide evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, to remove or amend the disputed accounts. As XXXX in action violates federal law and my rights as a consumer.
Product: Debt collection

They just keep calling 10 plus times a day no message and when I try to complain I get put on hold and never get a live person
Product: Money transfer, virtual currency, or money service

I was advertised a sentence rate, I wire tranfferd the money from my bank account, and paid XXXX doller fee to my bank. After they recieved my money. The franfer rate was different. I requested a call. And did get one. They held my money for 24 hours and then canceled my tranfer. They did not talk to me or request more information. They have cost me time and extra charges. I feel it should be illegal for then to hold my money, they were the ones that told me to do the wire tranfer from my bank, to speed up the tranfer. This cost XXXX XXXX They have no right to hold my money, for 24 hours. Then tell me it can take 2-5 days for them send it back
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a Bankruptcy account number XXXX that they did not verify and did not show any proof of verification.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for allowing multiple unauthorized inquiries to appear on my credit report. After contacting both Experian and the creditors responsible for these inquiries, none could provide proof that I authorized them. Specifically, I did not give any written or verbal consent for these inquiries, and no legitimate purpose has been confirmed. The unauthorized inquiries in question are : 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/year> These inquiries have had a negative impact on my credit history and have limited my ability to obtain credit. Since I did not authorize these inquiries, there is a concern regarding potential misuse or misrepresentation of my personal information. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with an explicit, permissible purpose should appear on a consumer 's credit report. Failure to verify proper authorization may indicate non-compliance with these regulations.I request the CFPBs assistance in ensuring that Experian promptly removes these unauthorized inquiries from my credit report. Additionally, I ask that the CFPB investigate these circumstances to prevent any potential misuse of consumer information that could lead to unauthorized or misrepresented credit inquiries in the future. Regards XXXX XXXX
Product: Credit card

I made a credit in the amount of {$5100.00} and the credit card company processed it as a cash advance. I am disputing the {$250.00} cash advance fee and interest charges. The merchant to my knowledge did not process this as a cash advance. The credit card company opened and then closed dispute case # XXXX since I was not disputing the XXXX just the fees without an explanation. They asked me to open another case and then refused to open another case,
Product: Debt collection

I, the consumer, disputed this debt in XX/XX/2020 with XXXX , XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

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

XXXX XXXX sent information to my email, that I was being reported late on my account, XXXX Master card. i Contacted them i was told that i was 2 months late, i explained to the operator that i didnt know that it was late i thoug it was paid out, she said that they tried to call me, i responded no one called my phone. i only have one number that has been with me over 5 years its a cell phone. she said they called my home phone. i have not had a home phone in 6 years that they called some one else. after i told her that its not fair they could have mail me a letter or Email me but instead they report me to the credit reporting company i ask that they remove the information of 30 days late, since its not my fault they worked from home and not doing the job they are getting paid for. i work hard to get my credit back and they now trying to ruin it. i fell they should at least correct the wrong information on my report i paid the account balance to XXXX  before getting off the phone with her.
Product: Debt collection

I am writing to bring to your attention a persistent issue with my credit report, specifically regarding fraudulent entries that have not been appropriately addressed despite my efforts and successful resolutions with other credit bureaus. 
Account Information : XXXX XXXX XXXXPLEASE DELETE!!!!

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. I am pleased to inform you that other credit bureaus, have promptly investigated and removed the fraudulent entries from their reports in accordance with the Fair Credit Reporting Act ( FCRA ).

However, it is concerning that your bureau has not taken similar action, and the fraudulent entries persist on my credit report maintained by your organization. This inconsistency is not only causing undue stress but is also a violation of my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of 2 years I have disputed this contacte XXXX and they refuse to communicate or respond to all attempts to get this fixed. today after years of trying i now see they have reported to my credit 3 times for multiple amounts and the newest being reported XX/XX/2021 for {$4100.00}. This does not belong to me I advised them of this multiple times. This is causing major issues with my livelihood and is at this point harassment and lies.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  First Tennessee Bank ( FTB ) unexpectedly closed my Companion Card which had in excess of a {$1000.00} balance. Since closing, the funds have remained in the hands of FTB despite numerous calls and escalations to try and get the funds back to me. It has now been over 65 days and they are holding every penny hostage.   This is unacceptable and the telephone support channels have done nothing.
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are XXXX payment remarks on some of my accounts, even though I have consistently made XXXX  payments. I did not miss any payments
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX  report as of last XXXX for an account that has been paid off. This dropped my XXXX  score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in XXXX XXXX Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
Product: Credit reporting or other personal consumer reports

I checked my account/credit report and a lot of accounts came up that I wasn't aware of. I have been a victim of identity theft for 10 years. I also was receiving unfamiliar accounts opened in my name that I wasn't aware of. I did not authorize any of these actions and suspects that my identity has been stolen. I am expressing my concern for resolving this matter and preventing further unauthorized activity.
Product: Student loan

Loans were not put into forbearance when told numerous times that I am unemployed and have been for XXXX years. Some employers do credit checks now and these loans reflect badly preventing me from getting work in order to pay them off.