23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Checking or savings account

My Bank of America checking account, held jointly with my deceased husband, is frozen. I called and sent a letter ( on XX/XX/XXXX, submitted as a PDF ), but my account remains frozen without justification or explanation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote a letter to Equifax asking them to investigate unauthorized inquires on my credit report. Not only have I not received a response to this day ( XX/XX/XXXX ) the inquiries remain on my credit report. I have contacted every single company on my Equifax credit report and they stated I needed to contact the credit bureaus, which is what I did. I did not give my permission to the below companies to check my credit report/ score with Equifax and they are fraudulent. I know you will try to complete an investigation now, however, you have ALREADY VIOLATED THE FCRA and now BY LAW MUST REMOVE THE BELOW INQUIRIES. If you fail to remove the below inquiries, I will file suit for monetary damages XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me. XXXX, Equifax and XXXX  that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX, File Identification Number : XXXX, and in response TransUnion verified the item as accurate stating they verified the information with the court. 

I contacted the court, and it is clear they do not report to TransUnion or any credit bureau for that matter ; therefore the original response verifying the item with the court was either an error or false. 

The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Reinserted Credit Information - Account NoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. The referenced account with  XXXX XXXX XXXX XXXX and account numbers xxxXXX XXXX & XXXX has become the subject of a dispute. 
On XX/XX/XXXX, I initiated a dispute regarding the aforementioned account. Subsequently, my credit report, dated XX/XX/XXXX, confirmed the successful removal of this item from my credit file, report number XXXX. To my dismay, I have recently discovered that this same item has been reinserted onto my credit report. I never received a physical copy of the details of the investigation or details of why it was reinserted. 
I wish to draw your attention to the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], which governs the reinsertion of previously deleted material. It stipulates the following : * Certification of accuracy : Information can not be reinserted unless the furnisher certifies its completeness and accuracy. 
* Notification to the consumer : In the event of reinsertion, the consumer reporting agency must inform the consumer in writing within 5 business days and provide additional details, including : * A statement confirming the disputed information 's reinsertion. 
* The business name, address, and telephone number of any furnisher of information involved. 
* Notice of the consumer 's right to add a statement to the consumer 's file to dispute accuracy or completeness. 
Regrettably, I have not received any such notification as required by the FCRA. This constitutes a serious violation of the act, and I must insist on my rights to pursue further action. To resolve this matter amicably, I kindly request that your company promptly removes this listing from my credit report. 
I trust that you will handle this matter with the utmost urgency and compliance with the FCRA. Failure to do so may necessitate further legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX I also contacted clover which is my machine carrier for the way the merchant First Data has treated this situation and still yet have not heard back nor has the situation been resolved Subject : FIRST DATA MERCHANT ID XXXX I OPEN A MERCHANT ACCOUNT FOR MY SMALL BUSINESS I JUST STARTED AND WHEN ACCOUNT WAS OPEN SALES REP DID NOT ADVISED ME OF MY LIMITS I HAD SET ON THE ACCOUNT SO MY XXXX STARTED TO INCREASE AND FIRST DATA STOP PROCESSING ASK ME TO VERIFY SOME INFORMATION I WHICH I DID HOWEVER I HAD PRIOR OVER {$8000.00} THAT THEY WAS HOLDING I KEPT CALLING THEM WHICH WAS UNSUCCESSFUL I WAS TOLD TO LEAVE A MESSAGE WHICH I DID AS WELL AS SENT EMAILS!! NO REPLY I WAS THEN CONTACTED BY A REP WHO TOLD ME MY FUNDS WOULD BE RELEASE I 3DAYS EITHER WAY I WOULD GET A EMAIL HOWEVER NONE OF THAT HAPPEN I AM STILL AS OF YET RECEIVE MY MONEY WHICH IS VERY DISGUSTING ESPECIALLY FOR THIS TO BE A PROFESSIONAL COMPANY AND AS IM DOING MY RESEARCH I SEE THIS IS WHAT THEY DO HOLD PEOPLE MONEY AND DON'T SEND IT TO THEM EACH REP I SPOKE WITH ON EACH SIDE CLOVER ( OR FIRST DATA ) HAS BEEN UNPROFESSIONAL OR UNABLE TO TELL ME ANYTHING! 'M FILING A COMPLAINT TO SAY I NEED MY MONEY BACK THIS IS ABSURD TO BE TREATED THIS WAY ESPECIALLY SINCE FIRST DATA HANDLES MY OTHER MERCHANT ACCOUNT IN WHICH I'M LOOKING FOR ANOTHER MERCHANT AS WE SPEAK I CAN NOT AND WILL NOT DEAL WITH THE UNPROFESSIONAL! AND I FEEL I AM BEING DE-FRAUDED OUT Of my money
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized
by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting or other personal consumer reports

IM having a problem with the credit reporting agency reporting information that keep dropping my credit score it is hard for me to get a good interest rate in purchasing a home or car my credit cards rates are 29.99 % the credit bureas are playing with my score I would like for some one to help me find out what happening with my reports with all three Burea XXXX Equifax, XXXX I have a100 % payment history never late no delinquency, no legals records
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( MID FL FINCE - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( MID FL FINCE - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting

I have disputed a tax lien with equifax credit company and XXXX. XXXX removed a tax lien to equifax that do not belong to me and I received a letter from XXXX stated that they have removed the tax lien from their Accurint Database, but equifax is still reporting the tax lien. I have contact the courts and they advised that the do not report to the credit bureaus and do not have a tax lien in their system with my name, ss #, or d.o.b., I ask equifax to validate the information and they will not provide validation neither will they remove the tax lien. Every time I call in they start a new dispute and a few days later they say the court reported back saying that the tax lien belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX XXXX   XXXX with XXXX  and Equifax for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account
Product: Student loan

I had spoken with a rep from the dept. of education in XXXX of 2013 about putting my student loan accounts in deferrment because my income was limited, and I was told I was eligible to place these loans into deferrment. On the phone, I asked them to place the loans in deferrment, and to my knowledge, they had been deferred. Only to find out a few months later, I found out that the loans actually did not get deferred per my conversation with the rep. Once I found this out, it was too late and the late payments had already greatly affected my credit rating. I immediately caught up on the loan payments and have been caught up ever since. I am in the process of buying a home, and this is plaguing score, and unjustly so. I would like it to be removed, and a letter sent stating that it will be which I can provide to my home loan officer.
Product: Credit card

I was given information from a Chase Credit Card representative regarding an interest charge which was false and contrary to the terms of my credit care agreement. A supervisor, on a recorded call, acknowledged that this information was incorrect, but would not fix the erroneous charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX XXXX, Experian and XXXX concerning incorrect payment history reporting by XXXX XXXX to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from XXXX XXXX or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of XXXX XXXX and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XXXX XXXX XXXX {$700.00} Southwest XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Between XXXX thru XXXX I had an excess of XXXX declined transactions that were captured after the soft declines took place. I having fund 's, wasn't able to make purchases from an online casino. Assured the declined transactions would fall, they were captured instead. 
And the snowball came rolling, as I opted OUT of overdraft protection and yet 5/3 Bank added fees to the declined transactions that were taken. And that piled up and piled up. 
I contacted the merchant and learned that they for 24 hours locked up my card. Which had they not stolen my declined transactions that probably would be fine. But my statement read on the XXXX, XXXX XXXX XXXX of all have excessive charges and added overdrafts Bec the process of the whole swipe. I from opening my account and insisted that I a first account holder didn't want overdraft protection. That I was new to banking and could not handle or want the Open door that could lead too ( XXXX ) so I've seen and heard overdraft protection woes. 
I needed the account so I opted out. Somehow they charged me fees in excessive amounts. So a {$2.00} dollar declined transaction was added XXXX XXXX in excessive amounts. Reoccurring day after day after day. The bank has treated me like a criminal and doesn't give me but ridiculous run around insist on me idk, I just know that when I leave my bank I feel stupid and they discriminate against me to a temporary card offered to " XXXX XXXX and I was told they didn't have any. I've tried to contact the merchant and that's how I learned the 24 hours locked from purchasing coin 's. So I don't understand why my bank saw the soft declines and kept my money that should have fallen to be infact recapture ina revenue recovery process. The bank just added XXXX 's of dollars on weekends yet I never let my count draw negative as it would decline if I opted for no overdraft. Because of my daily use ( never again ) the bank added fees I didn't ask for or opt for upon opening my account. So why did they add the fees? And the common courtesy of deposit my cash deposit before they added illegal fees to my account. The fact that they treated me like a criminal and discrimination towards my lack of knowledge of the master card policy and the legality of the overseas casino, and the bank allowing the declined transactions to be forced and captured anyway. Is fraud and I had no idea whom made the purchases as to my purchase was declined for detail information entered wrong try again or contact customer service. XXXX declined transactions were stolen from my account, the Bank added fees I didn't opt in for and I'm sick to my stomach over this. I need to be made whole again. XXXX and I don't know what to do. I learned a lesson or two but one should not be in the like of XX/XX/XXXX and would rather bury my money then you ever let a bank do what this 5/3 branch located in XXXX KY, at the XXXX branch on XXXX XXXX XXXX, XXXX, KY XXXX I filed 1100 disputes but they were declined because idk why? They should have protected me money from recapture, they
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS REPORTING : XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

EXPERIAN : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine.