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

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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

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

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

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


10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian sent me a letter dated XX/XX/year>, in response to my XXXX XXXX XXXX  determination submission on or about XX/XX/year>. Experian stated in this letter that they could not process my request because they could not reasonably confirm my identity. Then they proceeded to list various proofs of identity that need to be included in my submission in order for them to process my request. The problem here is that I included EVERY DOCUMENT THEY STATED, SPECIFICALLY THE FOLLOWING : 1 ) ( a ) driver 's license, 1 ) ( b ) utility bill and bank statement displaying date, current name and address, 1 ) ( c ) full name including middle initial, 1 ) ( d ) social security number, which was sent by way of social security card and all was sent in XXXX  scan format. I have the time stamped proof and all supporting documents originally sent with my original submission, which will be included with this complaint. I will also include for Experian 's convenience, an updated qualifying signed and certified victim determination document. Respectfully, there should not have been any hold up in processing my request and definitely shouldn't be now.
Product: Checking or savings account

I was charged a offer draft fee XXXX/2017 on my PNC wallet. I had XXXX to cover the transaction, and PNC failed to withdrawal the amount from a pocket of the wallet and unscrupulously charged me XXXX when in fact I had more than enough to cover the charge.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX has been reporting incorrect information on my Experian and XXXX  credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/XXXX  couldn't even find an account # :XXXX**** with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked XXXX/XXXX  on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY XXXX # : XXXX**** XXXX XXXX XXXX   XXXX XXXX , AZ 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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted TransUnion on multiple occasions regarding fraudulent inquiries on my report. I was told they have notified the creditors but no action has been taken. I was then instructed to file a FTC report and send in. I have done this as well. The inquiries still remain on my report and TransUnion refuses to remove even though according to the law 15 US Code1681c2 all that is needed is a statement from me that the information is not information related to me. I have sent all required documents and have had identity theft for years now & I have never had this level of difficulty removing fraudulent items. They are in violation of the rights.
Product: Checking or savings account

I was charge a {$29.00} fee for funds not being in my checking account the company does not allow time for me to transfer the funds or place the amount tht is needed for the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Transunion being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Transunion received everything required under the FCRA needed to remove and place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX and XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Transunion has yet to place a block on all information resulting from identity theft. I called Transunion today at XXXX pm and requested information on the block of information resulting from identity theft. A representative of Transunion informed me that they were not placing a block on the information because of the company policy they have in place. I informed the representative that their companies policy does not supersede Federal law and according to Federal Law, I submitted everything that was required.

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 BUSINESS DAYS after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

I have not received any sworn statements from any senior Executive member of this company on an affidavit signed under the penalty of perjury. Therefore, Transunion is willingly and knowingly violating my federally protected rights under the FCRA to protect a business relationship they have with these organizations by allowing them to park debt on my consumer report in order to ruin my financial reputation.

15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Transunion allows its policies and business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED CONSUMER RIGHTS, they will be liable to me for the stress, XXXX, sleeplessness, and any other actual damages caused as a result of the failure as allowed under 15 USC 1681n and 15 USC 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents. I want the bureau to please start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Bank account or service

M & T bank is profiteering and gouging its customers by charging fees for basic industry standard services that are available elsewhere for free. The current industry standard way to connect XXXX software running on a customer computer to a bank 's system is via XXXX XXXX. This is replacing the old XXXX method. All the other banks have changed over to this method and is offering this industry standard method of connection for free, except M & T who wants to charge $ XXXX/ month to use this industry standard method of connecting and downloading my banking transactions with them.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Prepaid card

My XXXX Prepaid Visa Card by XXXX XXXX was loaded with funds on XXXX/XXXX/2015. Account was frozen following that date with no ability to access funds, pay bills, perform debit POS transactions, etc. Calls to XXXX XXXX since then have resulted in a Case # being opened ( Case # XXXX ). I called them on XXXX/XXXX/2015 to discuss the case and was told that I had to submit a picture of my drivers license, a picture of me holding my drivers license, and copies of receipts for the reload packs used to put money onto the prepaid card. This information was all submitted within hours of that phone call. I then received XXXX subsequent phone calls, which I was not able to answer. The second call left a voice mail stating that the case was now closed since they could not get in touch with me, even though I had already discussed the case with them and sent in the required documentation. I then called again on XXXX/XXXX/15. They called me back and asked me endless identity verification questions ( # of children, ages, if my children were in the XXXX, etc. ). After answering all questions correctly I was then told I had to send in ANOTHER document ( a copy of my utility bill with my name on it ). I informed the risk agent ( XXXX ) that I was away for the weekend and would send it in on Monday the XXXX. I was informed that I would have to create a NEW ticket and begin the process again, because they could only keep a ticket open for 48-hours, which is absurd. I informed XXXX that all I want is to close the account and get a refund of the balance on the account. I have recently moved and offered to XXXX that I could provide a copy of the purchase agreement on the house showing the new address that I could access thorugh my email on my smartphone. This was not sufficient in XXXX 's opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY KNOTICED A MEDICAL COLLECTION ON MY CREDIT REPORT. 

MERCHANT CREDIT GUIDE, I HAVE REACHED OUT TO THE CREDIT REPORTING AGENCY DUE TO VIOLATION OF LAW. ON XX/XX/XXXX, I CERTIFIED BOTH COMPANYS REGARDING THE MEDICAL COLLECTION OF {$1000.00}, THAT HAS NOW A DUPLACATE REPORTING. MY RESPONSE WAS THE FINDINGS IS ACCURATE FROM THE CREDIT REPORTING AGENCY. 
. 
I do not recall giving permission to for any facility to release my medical information to a third party. 

I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is two-fold and as follows : I ALSO REQUESTED THEM TO provide a copy of my signature with the provider of service to release my medical information to THEM. TIME HAS PASS AND NOTHING STILL THIS ACCOUNT NEEDS TO BE REMOVED ASAP.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we are obligated to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in the listed accounts, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered inaccuracies in the reporting of a XXXX XXXX XXXX XXXXXXXX account across my credit reports. XXXX shows this account with a history of XXXX and XXXX delinquencies from XXXX, while Equifax has no detailed reporting for the same account. XXXX does not report this account at all. Despite requesting verification and clarification from the bureaus, I have not received an adequate response. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports must be accurate and complete. I request that the CFPB intervene to ensure the accurate and uniform reporting of this account across all credit bureaus. 

Additionally, I believe that this account is inaccurately reflecting delinquencies, and I request a thorough reinvestigation to ensure compliance with Metro 2 reporting standards. The inconsistent information is negatively affecting my credit score, and I have attempted to resolve this issue directly with the credit bureaus to no avail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX ( VIN # XXXX ) in XX/XX/XXXX. I never received the title. I spoke to Kia after the odometer paperwork was filled out and they said they sent it. Yet, I never received it.

I went to the DMV with the Bill of Sale and was informed they needed a title.

I contacted Kia again and they sent me a letter stating they no longer had an interest or title of the car.

I returned to the DMV and they informed me I still needed the title.

I contacted Kia again and they said I needed to request a duplicate title from the DMV.

I went to the dealership and they suggested asking Kia for a duplicate title or returning to the DMV.

I returned to the DMV and they said the title is still in Kia 's name so Kia needs to provide the title. 

I am now one year in after paying nearly XXXX for a car and Kia has yet to provide me a title.
Product: Debt collection

Alliance One Receivables continues to call despite receiving a cease and desist demand to stop calling AND despite the acknowledgement of attorney assistance
Product: Credit card

I purchased shirts and hats for my business. The company charged my credit card several times for different amounts. When I received the merchandise it was not what I had ordered. When I contacted the merchant they advised me to return the merchandise. When the merchandise was returned to the merchant they refused it and I had to pay to have it shipped back to me. When I contacted my credit card company to dispute the charges, they issued a provisional credit. I filled out all documents they requested and provided all the information I could to them. On XX/XX/2016 they reversed the provisional credit. I have had this particular credit card for several years and have a stellar payment history. They are not protecting their customer by reversing the credits.
Product: Checking or savings account

On XX/XX/XXXX, my fianc received his federal tax return & barely received his ID so he didnt have a bank account yet. I referred chase because I bank with them & thought it would be easier if we had the same bank. The following morning we went to 3 different chase banks locations around town because they all had XXXX availablity to make my fianc his own chase account until the following week but we needed funds ASAP so a chase branch representatives told me that I can try other banks & maybe theyll have sooner availability. After the 3rd chase bank we went to ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) we spoke to representative, XXXX, she lets us know theres also no appointments until the following week. We sigh in a respectable frustration & asked if theres other options because we need it as quick as possible. She said/ADVISED US & I quote if he has his ID & signs the back of the check he can endorse it you & the check will be delayed until XX/XX/XXXX but it usually clears before that. I would have never had him endorse the check to me if I knew it was going to be a hassle & take this long if I wasnt advised to do so. At no point in time did the representative tell me that third party checks are usually flagged & it would be better to have the check put into the an account with the check holders name. Now its been over 6 months and all I keep getting is he needs a number thats verifiable. When if I would have known this information I would have just waited & had him get his own account because hes under my phone plan. We got him XXXX lines with XXXX different companies with his name & still no luck which is more money were spending just to get our money. The address on the check written to him is the same address I use for my chase bank & he even has a secure chase account since XXXX with updated phone number, home address, & social security number so at this point it seems like chase is scamming me & that this is fraud. I would also like to seek interest because how cant you verify a government issued check with one of your own chase customers? Especially after a representative for chase advise me to do sign the check over with no warnings or heads up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are showing my XXXX XXXX XXXX XXXX account # XXXX account to be 30 days late on a payment. The account had never been 30 days late and always in good standing up until it was paid in full in XX/XX/2020. I submitted a dispute they closed it in 2 days and did not correct it. And Trans union is showing the account was closed negatively and sold to a new creditor. Which is false.