23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a visa gift card for {$500.00}. In XXXX of XXXX I tried to activate my card to use it to find that someone else had falsely registered it and used {$490.00} of the fund. I called and spoke to VISA who informed me to send in all documentation they required and a copy of the card which I did on XX/XX/XXXX, but had to refax over 3 times for them to " receive it ''. On XX/XX/XXXX I was mailed a letter that they investigated the claim dispute and I was entitled to a new card replacement with {$490.00} on it. To date ( XX/XX/XXXX ) I have yet to received a replacement card. I have called over a dozen times to be told that there is an error in processing and to call back in another 3-5 days. Each time I am given the run around, or told that I could not speak to a supervisor, and placed on hold for over 30+ minutes, or simply hung up on. This is a lot of money to me and my family and it has been nearly a year since I bought the gift card, 10 months since I started the dispute, and 8 months since I received a letter from them that stated they owed me {$490.00} and would be sending me a new card. I am very frustrated, my patience has run out, and I am tired of the run around. I need some help to be able to have this in time for XXXX this year. I have all documentation, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted other requests to both XXXX XXXX and Equifax to have the three accounts from XXXX XXXX company removed from my credit report. These accounts are company accounts and are not personal. XXXX XXXX XXXX has responded that XX/XX/XXXX theyve updated and should be removed however XXXX XXXX and Equifax continue to keep them on my credit report stating that they were verified. That is in complete disregard for the verification that XXXX XXXX itself has given me and has given CFPB in the complaint filed against them that I have attached hereto.
Product: Debt collection

I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does.
Product: Credit reporting or other personal consumer reports

I've come across an issue in my consumer report regarding my credit account with XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). An unexpected 30-day late payment entry has surfaced, necessitating immediate attention.

I kindly ask for a thorough investigation into this matter, along with the provision of documented evidence, such as statements, validating the legitimacy of the reported 30-day late payment. I'm eager to understand the basis for this entry and trust your agency can provide clarification. 

If, upon investigation, the accuracy of the 30-day late payment entry can not be verified, I insist on a swift update of the record to accurately reflect the status as paid on time. My consistent payment history underscores my commitment to financial responsibility, making this sudden deviation perplexing. 

Your prompt attention and cooperation in efficiently resolving this matter are sincerely appreciated. The credibility of credit information depends on accurate reporting, and I am confident that your agency will address this with the necessary diligence.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of identity theft resulting from the Equifax data breach to request immediate correction of inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). This correspondence specifically invokes the rights afforded to me under several key sections of the FCRA, including Sections 605B, 609, 611, 623, and 605C.

Section 605B ( Block of Information Resulting from Identity Theft ) : You are required to block fraudulent information from my credit report within XXXX business days of receiving this notice, supported by my identity theft report. 
Section 609 ( Disclosures to Consumers ) : I request a copy of all information in my credit file and a list of all entities that have received my credit report within the last year. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : I demand a thorough investigation into the disputed information, with necessary corrections or deletions to be made promptly. 
Section 623 ( Responsibilities of Furnishers of Information ) : This section requires you to ensure that all data furnished is accurate and complete, and to investigate disputed information.

Section 605C ( Prohibition of Sale or Transfer of Debt Caused by Identity Theft ) : Ensure that no debt resulting from identity theft is sold or transferred. Under Section 605B of the FCRA, you are required to block all fraudulent information resulting from identity theft from my credit report within XXXX  business days of receiving this notice, without waiting for a police report. Failure to comply with these provisions can lead to enforcement actions, including legal remedies under federal law.
Product: Debt collection

I originally reached out to capital accounts after seeing a charge on my account with XXXX for a very large, false amount that had never been reported to me by the collection agency or school themselves. I told them the debt was invalid with no supporting documentation with no help I went to the XXXX  of Virginia Department of Higher Education and they found that the school did not have any documents holding me financially responsible for this debt and ruled that i was not responsible. It was in fact invalid, it was noted XXXX did not take the proper steps and was at fault. Fast forward to now Capital accounts still refuses to take the account off and the school is not cooperating with me either despite what the director told higher education, me and supporting documentation. They are hanging up on my face, refusing to allow me to talk to management higher up positions, my calls are continuously " dropping '' despite being very polite, respectful, calm and showing all proper documentation. They are claiming to wait on the action of the school but the school is claiming to be waiting on them it is a entire run around. the main deal is the amount is not supposed to be on the and needs to be removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : CAPITAL ONE AUTO FINAN Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in police report to XXXX and all other supporting documents and they did not update my credit report. And my credit score and report has not changed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting the run around from Transunion regarding an inquiry. I recently checked my credit file and noticed an inquiry from Transunion that I did not endorse. When I called Transunion I was told it was for an apartment complex in the state of Virginia. I live, reside and am currently in an apartment lease in California. I never attempted to get an apartment in another state, I never even considered moving. When I told Transunion this is not accurate they were not helpful and told me to just wait the 2 years until it falls off. This is an issue for me because I have an unauthorized inquiry on my credit file that should not be there. Also I was not notified in writing per Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me.
Product: Credit reporting or other personal consumer reports

Ive been trying to get this account removed off my credit report and will like for you to assist me in this matter by making sure the laws are being enforced, specifically 15 U.S. code 1692c ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 

My name is : XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX My current phone number is : XXXX Also, my current and only address is : XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the following : Account # XXXX XXXX XXXX XXXX XXXX XXXX : This debt has already been sold and yet is still being reported with a past due balance on my account. The account was sold to XXXX XXXX. Please have this removed for inaccurate reporting. 

Account # XXXX XXXX XXXX XXXX XXXX This account is a part of the XXXX XXXX XXXX  XXXX XXXX XXXX Settlement. One of the benefits of being involved with this settlement is having this account deleted from all three credit reports. It has still not been removed after multiple disputes and verbal confirmations that the account would be removed by XXXX oXXXX XXXX 

Account # XXXX - XXXX XXXX XXXX : This account has continuously been reported inaccurately throughout all three bureaus. One bureau shows this account is open with a balance owed while two others show it is closed with a balance owed. After numerous disputes, this account inaccurately remains on my report. Charge off is a write off to the IRS, any balance is non reportable. 

Account # XXXXXXXX XXXX XXXXXXXX- This account has violated my rights to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The open date, close date, and date of last activity on this account have all also been reported inaccurately throughout the bureaus.
Product: Checking or savings account

About 2 months ago Bank of America XXXX XXXX XXXX bank account with about XXXX XXXX They closed my account and stated that they have sent a cashiers check via ups. After about. A week or two no check was received so I called Bank of America. They gave me a tracking number and I called XXXX numerous times finally I got through to someone and they said I had to file a claim for a lost package so I did. When I called to follow up after a few days I was told that I couldnt inquire about this package and only the sender witch would be Bank of America so I did. Bank of America representative said that the previous representatives that I spoke to were incorrect and escalated the situation. The supervisor or manager informed me that not to worry they will place a stop check order and would reissue a new check now its been roughly a month and a half if not more still no check. So I called back today this representative told me they cant do nothing I would have to still wait 120days and that they apologize that I was misinformed but theres nothing they can do. I have to wait 120 days and then they will resend it. My biggest fear is what If the check gets lost again do I have to wait an additional 120 days. I will loose my business by then. I already experienced great hardship over this and am at risk Id loosing my livelihood because I cant get access to my money. I need help and dont know who to turn to for help. They back is refusing to help me they say I must wait. Is this 120day hold legal what can I do about this
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report as a result of identity theft stemming from a data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked and permanently removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against Experian for failing to properly investigate my dispute around errors contained in my credit report for XXXX XXXX account number XXXX XXXX & account number XXXX XXXX. I have sent a letter clearly stating the inaccuracies and requesting the accounts be removed from my credit report due to the errors. Experian has not made a good faith effort to investigate my claims nor have they forwarded any documentation supporting their position. I sent highlighted credit reports from Experian, XXXX  & XXXX  to contrast the payment history reporting. Its clear Experian has not fulfilled their obligations under the Fair Credit Reporting Act. They claim these two accounts have been investigated but the date of status has not changed from XX/XX/2016 indicating information was not updated or reviewed. I am requesting that the CFBP force Experian to meet their obligations under the FCRA and delete these entries for erroneous information. I have attached copies of the letter sent to Experian, My XXXX, XXXX  and Experian Credit reports and the Experian dispute results. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the three cases they are all links to PayPal that show them in the resolution center. It is the first time the complaint was made was around XX/XX/XXXX. It was denied three days later. There was no reimbursement done, which is per their policy, but it was done so shortly that there was nothing ever reimbursed. I filed an appeal. Its been going on now for over a month. I cant get any information from them other than we have to wait. We have to wait. We have to wait. Thats all IThese are the three cases they are all links to PayPal that show them in the resolution center. It is the first time the complaint was made was around XX/XX/XXXX. It was denied three days later. There was no reimbursement done, which is per their policy, but it was done so shortly that there was nothing ever reimbursed. I filed a appeal. Its been going on now for over a month. I cant get any information from them other than we have to wait. We have to wait. We have to wait. Thats all I get I get no paperwork I get no information. The charges say they came from XXXX XXXX. I uploaded information to them showing that XXXX said that they have no idea what it is it didnt come from them. They dont charge anything that says XXXX XXXX. Its now taken over a month. They just keep extending the {$40.00} debited for those charges had a ripple effect that charged other things off because of the money, not being there that I live on just paycheck to paycheck it has been Horrible did not receive any items for physically or there was nothing received. There was nothing done so I didnt know anything about it until I went through and it was looking at my charges and didnt recognize them. Thats when I reported it but I cant get any information. They just keep giving me the runaround. They told me twice that I would be reimbursed for the {$40.00} while they were investigating it and I didnt happen either time, Im not getting anywhere with them. This has been horrible. It just keeps going on and on and they keep extending.
Product: Money transfer, virtual currency, or money service

I had a client do an international wire transfer to me because I trade the foreign exchange market. I have been a professional trader, trading for my self and clients for four years now. This client sent the funds to my account and about 3 weeks later contacted his bank stating it was wire transfer fraud and he did n't know me. This client e mailed me, talked to me on the phone, sent me messages on  XXXX  for over 6 months prior to doing business and we met twice before. The client also signed an Esign on my contract. I had already made capital gains on his trading account between the time he funded the account and paid my fee an d the 3 weeks before h e claimed a dispute at his bank. When I asked this client why he made the wire transfer fraud claim, he stated he did n't plan on paying me for the work I did. He removed me as a cosigner on the trading account and got the {$4500.00} in the account . US Ban k put {$1600.00} on hold in my account with them.US Bank 's wire transfer department reached out to me right away about the situation and stated my account has to be on hold now until the investigation is over. This situation started back in  XXXX    XXXX   and still has n't been resolved up to today. I played phone tag w ith the US Bank wire transfer department and they kept telling me to contact my local US B ank primary location who put the hold on my account to have the situation taken care of. So I reached out to the  bank manager at my primary US Bank location about the situation. She told me to send her all my proof and situation to her email. I emailed her 3 times and got no response. About a month after the emails were sent, the bank manager finally called me and told me there was nothing she could do on the situation and the wire transfer department told her to leave the hold on my ac count. She stated to contact  XXXX  at the wire transfer department again who had my case. I contacted and talked to  two people i n the wire transfer department again following up and was told no one was available to discuss the situation and that  XXXX  was out of the office for a week. I left a voicemail that day and never heard anything back. I waited for another month and called again. I got no response from  XXXX  or the other main guy on my case involved in the wire transfer department. I went to another bank location in my town and contacted there email support. They both stated there was a hold on my account and only my primary location can remove the bank hold. This has been going on for over a year and I 'm looking to get the hold removed from the account.
Product: Credit card or prepaid card

Last month I contacted Nordstrom regarding a late fee charge. I was told that the charge would be reversed. Which was a relief because I am on a strict budget. 
When I made my payment this month on XX/XX/XXXX, I was told that the fee still hadn't been refunded and I should only make the minimum payment, which was {$44.00}. So I made that payment on time. I thought the situation was worked out. 
However, this morning I received a call from Nordstrom stating that I owed more money due to the previous late fee charge. I explained that the fee was reversed and the customer service representative said no I still owed more money, which does not make sense. 
I went back and forth and finally decided to pay the amount of {$27.00}. 
Before we ended the call the representative said I was going to be charged AGAIN charged for a late fee. I didn't understand and he did not completely explain what happened. 
He said my new minimum payment would be {$80.00} next month. He said the charge " jumps '' up automatically when I am late. However, I was not late and I feel that Nordstrom Credit Card services is acting in a predatory manner towards me.
Product: Debt collection

Fidelity Information Corp is reporting to XXXX an account that is not mine as a result of ID theft.