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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card

I called twice to reverse the late fee of XXXX Customer service denied it. I called on XX/XX/24 twice. The third time was on XX/XX/24. I was only late for 4 days and months ago before this was late only one day from the due date. I was a long time customer who always pays on time. 
Im requesting that they should provide customers some grace period and not be stiff on their time requirement. 
Respectfully XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

1.XXXX XXXX XXXX XXXXXXXX account XXXX in the TRANSUNION credit report dated XX/XX/year> this account is marked as derrogatory in the account status and it is a totally incorrect information input. Please correct and change the account status to paid or delete the account. 
2.Last payment date discrepancies 3.Current payment status discrepancies 4.Remarks discrepancies 5.Closed date discrepancies Attached are the two reports from XXXX XXXX dated XX/XX/year> one from TRANSUNION and other from XXXX as prove to show that the transunion report has a lot of innacuracies In accordance with 15 U.S. Code 1681i ( 5 ) ( A ), ( i ), ( ii ), ( B ) ( i )
Product: Credit reporting or other personal consumer reports

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. 

the accounts in question are as followed : XXXX XXXX XXXX
Product: Bank account or service

I keep getting junk mail from NetSpend. They want me to have my pay check deposited in their system. I have requested several times for them to stop contacting me & delete my information. I am sick of this. Each time they send me their XXXX junk mail with pre-paid card and mailing information, I have to have it destroyed or risk my information being stolen.
Product: Credit reporting

I contacted experian because XXXX XXXX XXXX is reporting a incorrect anount. Requested removal and its still reporting. XXXX states XXXX and should be XXXX. Its also being reported by XXXX companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$9600.00} ; XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting 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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follew reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 US 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Equifax. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks Us Department Of Edu Inquiry from XX/XX/XXXX + State XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX-XXXX XXXX XXXX Inquiry from XX/XX/XXXX +
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my LexisNexis credit report. On my XXXX credit report this needs to be removed from my credit file. This was removed from my XXXX XXXX XXXX because incorrect information. There were U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The United States Bankruptcy Courts Western District of Tennessee have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies that i attach to my letter, nor do they ever validate and/or confirm public records also this dates are wrong. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the United States Bankruptcy Courts XXXX XXXX  of Tennessee confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, nor will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need this bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 of SSN:XXXX RE : XXXX XXXXI 've previously requested my credit report from you & I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Product: Debt collection

I received an email from TransWorld Systems about a medical debt. The letter was password protected and the password was incorrect. The enotice said the password would be the last name of the account holder in all caps and when I put my last name in, it would not open. The company is claiming that I owe {$1300.00} from medical debt. I asked for written verification of this debt around 2 years ago and they did not send me anything. I have tried calling and there has been no further communication. This collection is showing up on all my credit reports and has brought my score down significantly. I had health insurance during that time and should not be owing this amount or any amount.
Product: Debt collection

I have filed disputes with all three ( 3 ) credit bureaus, only one continues to show this debt from Kohls/Cap One as me being deceased.

I have sent a letter to the company ( Kohls/Cap One ) and even spoke to XXXX XXXX ( she claimed to be the secretary to the president ). I have shown in several ways that I am not deceased. 

I have sent copies of my driver 's license, Social Security Card, a current utility bill, I also still have a government check sent to me every month, and have acquired XXXX ( XXXX ) new credit cards, and finally, I have gotten a notarized letter to attest that I am not deceased. 

These last XXXX XXXX XXXX XXXX disputes have resulted in the same outcome. This item has not been removed. I am very upset because I have no idea how a company can certify information about me is correct if I have provided all the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding debt from The XXXX XXXX, in the amount of {$170.00} from XXXX, on my credit reports. This debt is medical, and I live in Maine. Medical debt is no longer reportable at 6yrs. This debt was easily, within a day to a wk, removed from XXXX  and XXXX. However, when trying to contact Equifax, it has been a 2 month nightmare of incompetence. I called them twice back in XX/XX/XXXX, and after being on hold for over an hour, was told debt falls off in 7yrs. The CSR I spoke with refused to file my dispute! I tried doing it myself online, but their website would not allow me to login. I had to call them yet again, this time just to get into my account. However the CSR did try to address my dispute issue, quoting the same 7yr rule, despite my statements that the other credit companies already ( & quickly ) removed this exact same report, along with any derogatory marks. I chose to file my dispute via their online option. That was around XXXX XXXX. I stated that the debt must be removed immediately, it was beyond the time laws in my state, and it had been done without issue by both of the other credit reporting agencies. When completed, there was a message that they would have a result by XX/XX/XXXX. It is currently XX/XX/XXXX, and I have heard nothing from Equifax. I decided to check on the status. The XXXX XXXX report was just posted, yet again, to my account! Upon logging in to my Equifax account, it states that they made a decision on XX/XX/XXXX. Curious I opened the document, and all it states is that they verified the debt!! There is no evidence on the report of my claim, my comments, or that they were requested to remove this debt, NOT VERIFY IT! They did nothing I requested them to do, nor notify me of the results. I don't understand how the other credit agencies can solve this issue, one within hours, the other within a week, while Equifax requested a month, did not address my complaint, and in prior attempts dismissed and argue my issue as incorrect!?! If it were incorrect, why would the other agencies fix the issue immediately? I am furious and beyond frustrated with Equifax. I do not understand how they are a legitimate agency.
Product: Credit card

I have been a XXXX XXXX in the XXXX XXXX  since XXXX 
I have been charged an AMEX annual membership fee every year from the time I opened my account until XXXX when I canceled it. 
I have requested that someone look into why I was charged the fee and each time, I am told the following : ' ... we have checked & reviewed the account & did not find any related case nor details for the reported concern. ' It seems as though they are failing to verify my eligibility under XXXX. 
I have closed the account because from XXXX through XXXX I have been charged an annual membership fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.
Product: Credit card

I wan na settle with the company for {$50.00}. They overcharged me theyre saying I owe {$280.00}. I do not owe that at all. They are lying and I want to settle for XXXX bucks for this inconvenience and they ruined my credit they need to be in trouble Victorias Secret card. I paid on time every month. Everything was great until they had the wrong amount wrong Sale everything and I do not owe {$280.00} and some change so I want to settle with them for XXXX bucks.
Product: Credit card or prepaid card

On XX/XX/23 I used rewards points I earned attached to my Bank of America credit card. I used the points to book a room for one night in XXXX XXXX, FL at XXXX  XXXX XXXX, which is part of the XXXX XXXX chain. I successfully booked the room for XX/XX/23 and showed up to stay at the hotel on that day. When I booked the room, it was my understanding that the room would be a double room, as described on the Bank of America website advertising the room at XXXX XXXXXXXX XXXX. 

When I got to the hotel, I was given what I was told was a double room, but when I got to the room, I noticed that I had a sofa bed. It actually was a sofa bed with a mattress on springs. When I reported the issue to the staff at the hotel, I was told that that was all they had. I told them that I had booked a double room at their hotel and mentioned that the photo on the website for Bank of America was not the same as what I received at the hotel. I have attached photos of the bed I received which is a full sized sofa bed and was not described as such on the Bank of America website. 

The bed was hard, on springs, and actually had the frame of a typical sofa bed. it was not an actual bed. I tried to bring up the issue with Bank of America and it fell upon deaf ears. I believe that Bank of America may have also been duped by the hotel as they advertised an actual bed on the site when I made my reservation. 

I told the desk personnel this at the hotel and they told me that they do not send out photos of their beds to the credit card companies and other companies that advertise their rooms -- now I know why.

I asked for my money back from the hotel for the bait and switch and refused. I called the front desk later that night when I could not sleep and was told that the staff had all left for the day, that only the night auditor was there and could not help me. 

The next morning when I checked out at XXXX, ( when I booked the room on Bank of America 's site I was made aware of a XXXX  checkout, but the hotel said it was at XXXX and would not grant me an extra hour to check out ), I brought up the topic again with the front desk about how I received a sofa bed instead of an actual bed and was told that the manager would contact me. it has been over 2 weeks and I have not heard from anyone or had anyone to call me back about this issue. I feel as if I have been taken advantage of.

I went on to the Bank of America rewards travel site to attempt to retrieve more information about XXXX XXXXXXXX XXXX in XXXX XXXX, but I am not seeing the hotel listed anywhere on the site now, which is very strange. Perhaps the matter had been discussed between the hotel and Bank of America travel rewards, however, I am still aggrieved and would like to be made whole.

I simply want my travel rewards refunded to me because I thought I was booking an actual BED for one night of stay, not a sofa bed, which is what I was given and the matter was not remedied at any point while I was in XXXX XXXX, nor afterwards. I have given both Bank of America and XXXX XXXX XXXX ample time to get back to me about this and nothing has happened in over 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to violate my rights I keep disputing this with proof so how are they doing a fair investigation but ignoring the proof. I was effected by the recent scandal with them giving the wrong score! Equifax is governed by 15 USC 1681 I demand the account to be removed! On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.