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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion stated they verified bankruptcies on my credit report. Ive attached a letter from U.S. Bankruptcy court stating they dont supply collection agencies information. Im requesting evidence such as the name, address and telephone number of anyone from the original creditor they contacted, to escalate this investigation. If Transunion obtained this information from a third party its illegal.
Product: Credit card or prepaid card

I contacted Citibank on several occasions attempting to close my Citi AAdvantage credit card, most recently on XX/XX/2021. After verifying my identity, the customer service representative did not provide a reason why the account could not be closed. Instead, she said that a letter would be emailed. The balance on the account is {$0.00} since the card has never been activated due to possible fraud warning. I previously received verification letters in the mail in XX/XX/2021 requesting my social security and signature but contacted Citibank to let them know that I was not comfortable sending this information via mail. I've been a previous identity theft victim. Citibank has refused to close the account.
Product: Debt collection

The specific creditor has exceeded the followings : 1 : Credit Score 2 : Frequent Calls 3 : False Accusation 4 : Harassment The reason I am not giving them debt is because I never made the account as the account was made under my Mothers name, as the specific Payment was not under my credit/debit cards ( Master XXXX / Master XXXX ) but the account was made on my name and my Phone number. 

This company has been frequently trying to call me every Week for debt I don't owe, and when I checked my credit score via XXXX XXXX, this company has hurt my credit and I want this to stop right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

This account does not belong to me and the address on my Equifax report is incorrect. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. I have attempted to contact XXXX XXXX XXXX at the address provided and my letter was 'returned to sender '. Please see attached photo of returned letter. Also attached is a screenshot of my credit report with the incorrect address. 

These accounts should be removed from my credit file.
Product: Credit card

My credit card number was used to purchase tickets through XXXX without my permission. I marked it as fraud as soon as I saw it. Chase sent me a new credit card but declined to remove the charges after review.
Product: Credit card or prepaid card

I am writing to file a complaint against American Express for their failure to address fraudulent charges made on my American Express Platinum, Business Platinum, and Business Gold cards. My cousin, who was an authorized user on these accounts, abused this privilege and incurred {$59000.00} in fraudulent transactions. Despite my attempts to resolve the issue with American Express, they have declined my request for resolution, leading me to believe that they have violated consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the XXXX devices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX contacted Equifax about the following negative accounts ; XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/2019, Balance : {$15000.00} )XXXX XXXX  ( Account # XXXX, Date XXXX, High Credit : {$2100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and have caused financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I hired a credit repair agency almost 2 years ago and there have been five different rounds of attempts to resolve the issue and the company is just not budging on anything and they are reporting to two of the three credit bureaus at the moment and its greatly affecting my credit scores.
Product: Checking or savings account

I tried to open a dispute for 3 transations that the merchant never sent the purchases trough the online banking, but the system is not allowing to do that. Also I tried to call the customer service trough XXXX because right now Im abroad and there is a record voice saying that " my call cant be connected ''. 

Transaction 1 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 
Transaction 2 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 
Transaction 3 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 

This were transactions made face to face in the shop, but they gave more than one month for the delivery, because they dont have any stock on the shop. 
I tried to reach them asking the situation about the purchases adn they never answer the emails and phone calls, and the store looks like is closed.
Product: Mortgage

was being reviewed for modification options. Green tree sent letter stating that client did not meet XXXX or more of the basic eligibility criteria XXXX which letter is attached ). Green tree failed to provided detail of what criteria client did not meet.
Product: Credit reporting or other personal consumer reports

My credit was nearly perfect for 14 years-no late pymts. XXXX XXXX has received payments and did not process when received. I have dealt with 2 late payments hitting my credit file. The ONLY LATE payments in 14 years. The payments were made. They were not posted in a timely manner. Further, we apply extra money toward the principal of the loan. The company does not apply our additional funds toward principal. IT HAS BEEN A BIG MESS! We have our bank account records to prove we made timely payments. 
FURTHER, there has been NO late notices, NO mailed notices prior to this company putting not one but two 30 day back to back notices on my reports. Do NOT finance anything through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am stating that TransUnion, XXXX, XXXX is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, ( FIRST, LAST ), NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : DEPTEDXXXXXXXX XXXX  ACCOUNT # XXXX, DEPTEDXXXX XXXX   ACCOUNT # XXXX, DEPTEDXXXX ACCOUNT # XXXX, DEPTEDXXXX XXXX ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these inaccurate unverifable accounts. i sent a letter 2 months ago.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of or if it is not there update it to the following information : XXXX Full Legal Name : XXXX XXXX XXXX Government I.D . attached ) XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX ( Proof of address attached ). 
XXXX. My DOB as it is written on my government issued ID : XX/XX/year> Please delete all information in the employer section. 
Please delete all other non- mailable addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 

DELETE these addresses : XXXX. XXXXXX/XX/XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT XXXX USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights it is direct violation of 51 UCS {$1600.00} and all its subsections.
Product: Debt collection

SECURITYCRED {$520.00} on credit report since XXXX. 

I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. 

I am not sure who this creditor is or why theyre on my credit report.
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 accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$21000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Reporting differently on all credit agencies- payments should show that they are all on time. XXXX XXXX XXXX- This is not my account it has been erased from XXXX but still being reported on XXXX and XXXX XXXX This should be deleted from all bureaus. MIDLAND CREDIT MANAGEM- This company is reporting misinformation which is not consistent on all 3 credit bureaus. this is not my account and should be deleted. XXXX XXXX XXXX This account is a redundant account under a different dept collector. I do not own this account. it should be deleted. they are reporting inaccuracies as well. XXXX XXXX- This account is still showing up on my XXXX account when it should be deleted. It has been deleted from other bureaus. this account should be deleted. XXXX XXXX XXXX XXXX this account is showing inaccuracies. this account should have been closed in good standing but they are still reporting like the account is still open when it isn't. this account should be deleted. XXXX XXXX- This account has been deleted from my XXXX report but still showing up inaccurately on my other bureaus. This account should be deleted. Overall these accounts should be deleted from my credit report i have sent numerous letters to them and the creditors. They are still holding on to information which is illegal.
Product: Debt collection

In the month of XXXX, I called into Wells Fargo Bank, and reported I was a victim of Identity Theft. I also requested to obtain all documents related to my Wells Fargo account. I was directed to many departments and Finally I reached the Executives office. I was told It would take about three weeks for me to receive the documents. I received the a letter from Wells Fargo Bank on XX/XX/XXXX The letter states It was written in reference to my XXXX XXXX account, that was administered by Wells Fargo. I don't have a XXXX XXXX account. I applied for an account through XXXX XXXX XXXX for XXXX services. The letter also states the documents and invoice could not be provided due to the merchant are no longer in operation. 

I then received a letter from Wells Fargo Bank on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX Office. The letter states they were responding to my concerns. It also states my application was submitted on XX/XX/XXXX. My application was not submitted on XX/XX/XXXX. My application was submitted on XX/XX/XXXX. Along with this letter was a copy of the invoice and application that was submitted by the merchant via the XXXX. On XX/XX/XXXX, I was charged a payment of {$190.00} to my personal credit card for the merchants in house dental Insurance.
Product: Debt collection

On XX/XX/21 I received a collection letter from Midland Credit Management telling me that I owed {$1700.00} to creditor XXXX XXXX XXXX  XXXX. This is not true. I contest this allegation. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

This was included in my bankruptcy that was discharge XXXX 2013. I have called them and my lawyer has sent them numerous letters to remove this from my credit report because I do not owe it. They keep trying to collect and now it is still on my credit report.
Product: Bank account or service

I have an account in Texas. Citi sent me a new ATM card and requested me to go to a branch to activate it. There is no branch in Texas. So, to use another banks atm, I would be charged a fee. They indicated I would not be changed a fee XXXX I chatted with them. No fee to activate a fee. They also told me there 's a fee to activate. I do not want the debit card. They are also making me change my user name again after a year. This is ridiculous. I ca n't pay my credit card bills or see the transactions. I am stuck because I do not have a local branch in Texas. This is unfair and deceptive since I have no choices and they are making me pay a fee. I have no access to pay my credit cards while they I am waiting which is giving them additional fees until they grant me access to my accounts. This is very unfair and deceptive.
Product: Debt collection

I am receiving phone calls from several different debt collectors and a mediation service alleging that I have a debt with a payday loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 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 card or prepaid card

I've had my Capital One Card for many years. I have a very good credit score ( close to XXXX XXXX. Cap One chose to close my account for inactivity. I had not used it for a period of time. My issue is that they sent the closure notice to an email account I no longer used. They should have seen a bounce back email and known their communication attempt was not successful. At that point, Cap One should have contacted me via US Mail and phone. However, they summarily closed without my knowledge. So, I was not aware they had made this decision in a vacuum. This, of course, effected my credit score as I lost the years of history. 

I recently discovered they had closed it and called their help desk to have the account reopened which they say they can't do because it was closed due to inactivity. However, they should have given more than one notice to a non existent email account prior to closing this account and damaging my credit score.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS NOT MINE. IT BELONGS TO XXXX XXXX XXXX XXXX WHO FILED CHAPTER XXXX BANKRUPTCY WHICH HAS BEEN DISCHARGED. ACCORDING TO HIS ATTORNEY AND CURRENT BANKRUPTCY LAWS YOUR ORGANIZATION HAD AN OPPORTUNITY TO DISPUTE THIS ACCOUNT AND Its STATUS DURING THE MEETING OF THE CREDITORS WHICH YOU FAILED TO DO SO.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XXXX and a balance of {$1600.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices. I have received multiple emails and calls offering me a settlement amount. i am not interested in this whatsoever. attached is proof of this offer being sent to me for over 7 years. 

here are two recent ones i have in my email XXXX XXXX I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting that my account is charged off with an unpaid balance.However, it has been paid in full and settled.