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

To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRI INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROV.

COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The intractions are as rollows : + Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late.

804 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certitied mail XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello, so on the XXXX of XXXX I noticed I had two transactions one on my Chase online for XXXX  dollars and another for XXXX  dollars on my XXXX XXXX, this was all through XXXX. I called XXXX XXXX and they deemed it fraudulent and I was returned my money. Chase said I approved the transaction, I called asked for evidence and why it was denied the lady said she cant talk about the case past XX/XX/XXXX. I was notified that my claim was rejected on XX/XX/XXXX. My phone number was taken and XXXX XXXX saw three unknown areas were logged into and Chase either never looked into it or thought I was out of the country at the time. The man who scammed me was using my own number to call and harass me when chase first reversed the transaction. I never got notified of my transaction with the scammer until a day later. The photo shows him added himself then showed I didnt wan na receive messages at this number. Yet I responded with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 
I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Product: Checking or savings account

My capital one banking checking account and savings account were both closed because of XXXX payments. All money in both accounts are legal and mine. I have over {$1400.00} total thats being held and Im a single mother of XXXX, thats all we had saved & I can not pay my rent without that money, I dont know when I will receive a check but I hope this helps me get the funds faster because this is really putting me in a messed up situation.

Thank you so much I hope you can help me Resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was mailed a letter demanding investigation into two accounts listed on my credit report on or about XX/XX/2021. One is reflected as XXXX and the other is XXXX XXXX XXXX XXXXXXXX. I alleged that neither account is accurate as a valid account for which money is owed. There is no contract that would result in a debt owed for either institution. Investigation was demanded and removal if no verification, in the form of a signed agreement, could be obtained to verify the debt. It is my understanding from review of the results that this investigation did not occur. XXXX appears to have been not investigated at all and left on the report. This debt does not exist and never has existed and if not verified using acceptable means should have been removed. XXXX XXXX XXXX XXXX  was listed as " verified '' despite knowledge that there is no signed agreement giving rise to a debt. As such, it was not verified using acceptable means. If the agency is not going to investigate it properly it should be deleted. Transunion did not conduct a proper investigation.
Product: Credit card or prepaid card

today XX/XX/20 I've wasted over 5 hours ( 2 on initial call then another over 3 unable to reach them ) trying to open a " home depot '' card thru cit-credit ( I imagine part of citibank ) ... .they left me on hold over an hour after online-application required " MORE info '' ... then rep got on phone with me & took over another hour to inquire further. 
This all for a " {$25.00} credit '' on first purchase. 
After having to pay for not one but TWO texts, they said I was approved & read me the TEMP card number & security code from back of temp card.

I read it back to this XXXX girl TWICE since she got nothing straight first time. 
GOT email stating I was approved & to electronically SIGN for it to use right away. STAYED on phone with her, she said she " saw it all going thru & active '' so I could immediately buy. 

Well NO, that was an entire lie.There is NOT only no {$25.00} credit offer TO BE honored but also card does NOT work. 

I've called back stated number XXXX for " if I have problems '' and have NOW BEEN ON HOLD OVER

3 HOURS. YES, 3 HOURS. still ON Hold & now ( 3hr. 15 min
utes ) having wasted over SIX hours of my day, am hanging up & want them to PAY for fraud & MY time. Also a credit inquiry that, as you know, impacts all our score negatively. 
please STOP these criminals right away & I will NEVER step into a HOME DEPOT IN MY life except to let others know my HORRID experience. 

please HELP stop this fraud. PLEASE!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

XXXXXXXX XXXX  : I have to contest the accuracy of the data associated with my profile in order to maintain the strict guidelines for data integrity and accuracy. To ensure that it is accurate, comprehensive, and up to date, I require a thorough review. Considering how important these data are, any oversight is unacceptable. In the event of any deviation, it becomes critical to delete the false account right away. 
XXXX : The credit reporting guidelines set forth are legally binding requirements, not just suggestions. Deviations jeopardize your credibility at its core, no matter how small. I demand complete adherence to these guidelines. The discrepancies in my report should be addressed and cancelled right now. This is absolutely necessary, not just convenient. 

Its been passed 30 days since Ive requested for proof that these items was accurate and theyve failed t send me a copy. Any mistake on credit bureaus part, no matter how small, not only represents me poorly but also might constitute a legal infraction. It is therefore my strong recommendation that you promptly resolve these discrepancies in order to fulfill both of your legal obligations.
Product: Debt collection

Get those unauthorized accounts off my credit report now! Other bureaus fixed it, so can you. Stop messing with my credit delete those accounts immediately, or face legal action. I won't tolerate your delay in fixing this act now! XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. Please DELETE.
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and reported by XXXX, XXXX, and Experian. 

According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a. 

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Debt collection

I had pay my debt down considerably over the 2 year period. Made all payment on time and paid more than the minimum payment. At the end of the year I notice my statement was back up to the maximum amount of my available credit, so I called to see what was going on, since I had not been to my XXXX, and this was the only thing this card was ever used for.I was told, there were two " promotions '' that expired and I was now being charged a deferred interest beginning from when I first signed up for this service? Mind you I was in the XXXX  chair, new nothing and was only told on the phone it was an interest free for 18 months program! Nothing was mentioned of the deferred interest as no one would play that game. This company is abusing consumers. Of course the person you get at the call center is just a person paid to answer the phone. They are very reluctant to even put you through to a human.
Product: Debt collection

On or about XX/XX/XXXX, I received a notification from a credit bureau that a " collection account '' had been placed on my credit report. This " collection account '' had been placed by Credit Management Company for an alleged medical debt ( image of this collection account on my credit report is attached ). Credit Management Company has never notified me about the existence of this debt or given me proper disclosures about my right to verify or dispute such a debt. I never received a letter from Credit Management Company in the mail. I checked all my emails and text messages and confirmed that I had never received a digital communication from Credit Management Company about this debt. Credit Management Company has violated CFPBs Final Rule ( Final Rule ) which the CFPB has passed to implement the Fair Debt Collection Practices Act ( FDCPA ) requirements regarding disclosures for consumers. See https : XXXX and XXXX XXXX XXXX Before a debt collector furnishes information about a debt to a consumer reporting agency, the Final Rule requires the debt collector to take XXXX or more of several actions to contact the consumer about the debt such as speaking with the consumer about the debts by telephone, mailing a letter to the consumer, or sending an electronic message about the debt to the consumer. If mailing a letter or sending an electronic message to the consumer, the collector must wait a reasonable period of time to receive a notice of undeliverability, such as 14 days, before furnishing information to a Credit Reporting Agency and must not furnish if a notice of undeliverability is received unless the collector takes additional steps. Credit Management Company did not make any attempt to properly notify me of this alleged debt, and of my right to dispute it, before reporting it to the credit bureaus. Furthermore, according to what Credit Management Company has reported to the credit bureaus, the date that this alleged XXXX debt was incurred is XX/XX/XXXX more than XXXX years ago. Under California law, the statute of limitations for pursuing this debt is 4 years. CA Code of Civil Procedure CCP section 337. Therefore, since the statute of limitations has long expired, this debt is unenforceable. Furthermore, under SB 1061, a new section is added to the CA Civil Code which states : 1785.27. ( a ) A person shall not furnish information regarding a medical debt to a consumer credit reporting agency. This new section will go into effect in less than XXXX  months. Credit Management Company has placed this unenforceable medical debt on my credit report only weeks before the new law goes into effect, in an effort to harass and intimidate me and to thwart the will of the California legislature. Credit Management Company has clearly violated multiple federal and state laws and regulations by reporting an unenforceable alleged medical debt to the credit bureaus without ever giving me proper notice of such a debt and giving me the opportunity to get the debt verified or to dispute the debt.
Product: Debt collection

From Comenity Bank ( XXXX XXXX ) Creditor Repetitious calls every 2 hours ; From both XXXX & XXXX I explained my financial situation months back, and tried to pay this off, now with the interest and late fee 's I am unable to ever pay it off, my daughter was helping and she is now XXXX and we are unable to pay this off, i was going to try to send {$10.00} a month or so if they would go back to the original bill for me, however they only agreed to $ XXXX/monthly payments. I gave up and they have been calling relentlessly without leaving any messages even on Saturdays! Here is only one Example ; Friday XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX I have an answering machine, I am XXXX and no messages left.
Product: Credit card or prepaid card

In XXXX of XXXX I fell and XXXX XXXX. I was a XXXX contract employee and could not get XXXX. I had a hard time working and even needed XXXX. I unfortunately fell on hard fiscal times and missed several payments on multiple credit cards. 
I spoke with Discover in XX/XX/XXXX. I had missed several payments and was over my {$5000.00} limit. 
I was given 2 options as to what I could do about my missed payments. Option 1 was close my account and enter in to a low interest payment program for the term of the repayment. The 2nd option was I go in to a repayment program and after 12 months, I was told I would get my card back. I even asked if I make all my payments for 12 months would I get my card back and was told I would. 
In XX/XX/XXXX after making every single payment on time I wasn't given my card back. I called Discover and was told that they would have to do a review to get my card back. I wasnt told this in XXXX of XXXX. I was also taken out of the repayment program and my interest fees were doubled as was my minimum monthly payment. ( From {$75.00} to {$150.00} ). Even with this hardship of double the amount of my payments I still made my payments every month. This added {$75.00} additional payment lead to many hardships for me. There were months were I couldnt even buy food. I still held up my end of the deal and made every payment. 


In XXXX of XXXX I began to try to repay all of my debt. By XXXX of XXXX I paid down most of my debt, including Discover. 
On XX/XX/XXXX I received an email that my discover card was being closed. Even though I did all they had asked of me. If I wasn't lied to in XXXX I would have taken the option to close my card then and taken the other program with lower interest for the entire program. 
Discover 's dishonest tactics ended up causing significant hardships as well as over {$1000.00} in additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 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 as a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXCURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Ive contacted Bank of the west for the last 2 months trying to get erroneous fees reversed on a dormant account that Bank of the West required I open in order to obtain a loan on my RV from them. 

I have called and spoken to the XXXX, CA branch manager only 1 time which took more than a dozen phone calls, her name is XXXX XXXX. She would not return any fees or close the account at my requests and has not provided another avenue to get this accomplished. 

I then called XXXX 's regional manager, XXXX XXXX at XXXX multiple times in the last month about the account that was opened and Ive wanted to close because the fees you are charging for it. Again, the loan department required I open it and said it would be free but they are charging a monthly fee. I dont want to pay for an account that is not needed. Ive asked for the charges to be reversed and the account closed because its not active. Both XXXX XXXX and XXXX XXXX at XXXX branch wont help me and I continue to be charged for an account I can not get closed.