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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 previously disputed the improper reinsertion of a fraudulent account from XXXX XXXX XXXXXXXX on my credit report. This account was reported without my authorization. I filed a police report about this account, and it was removed from my credit report. However, a few months ago, the account was added back without notifying me, which violates the Fair Credit Reporting Act ( FCRA ) Section 611. Credit bureaus are required to inform me within five days if deleted information is reinserted. Even after updating my consumer report, the fraudulent account is still being reported by Experian. I received a letter from XXXX confirming they removed the account, but Experian is still reporting it. This is a violation of FCRA Section 605B, which requires blocking fraudulent information when an identity theft report is filed, and FCRA Section 623 ( a ) ( 5 ), which prevents companies from reporting false information after it has been disputed. Additionally, Experian 's failure to prevent this issue shows non-compliance with CFPB Regulation V, which requires credit bureaus to make sure information is as accurate as possible and to prevent incorrect information from being added back. Experians actions show a disregard for these laws. For reference, I have attached a copy of the XXXX letter confirming the removal of the account, my police report, and a letter from Experian confirming the account was removed before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the spring of XXXX, I hit a snag financially. I was a XXXX employee and had a number of clients not pay on time. My car was repossessed in XX/XX/XXXX. I quickly redeemed the repossession. 

For the last 8 years, I have vastly improved my credit health. 

However, Equifax has yet to delete this comment posted by XXXX XXXX. 

I filed my last complaint in XX/XX/XXXX. The Complaint ID is : XXXX. However, I can not review the results of this complaint as I correctly answered my security questions yet was locked out of the account. 

I have tried everything to get this comment removed as permitted by the FCRA. I tried services provided by XXXX XXXX, I have filed personal complaints. 

Others have deleted this information. Equifax has not. 

I am additionally worried that my information was exposed in the Equifax breach thus why I was unable to properly view the complaint I filed.
Product: Debt collection

I have previous reached out to credit act about misleading information on account showing them that this account is reporting incorrect and has a major impact on my credit score. Upon several disputes this account keep coming back as verified which is not. 

This account is reporting 120 days late and 180 days this account also states date of late payment is XX/XX/2019 and also XX/XX/2019 how is this possible? 

PLEASE REMOVE THIS INACCURATE ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX ACCOUNT # : XXXX I HAVE DISPUTED THIS ACCOUNT ON XXXX THE COMPANY UPDATED DISPUTE TO VERIFIED AND CERTIFIED AS ACCURATE INFORMATION. how can this be when there was no proper investigation done. i know it wasnt done becuz the proof of procedure had not been provided. also i have NOT permitted any reporting agency or othe company any PERMISSION and or CONSENT to furnish my credit profile THIS IS A VIOLATION OF THE XXXX XXXX XXXX XXXX XXXX ALL COMPANIES INVOLVED ARE IN VIOLATION OF THIS LAW REMOVE THIS ACCOUNT FROM MY CREDIT REPORT NOW THANK YOU also THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

XXXX XXXX XXXX XXXX ( B ) & XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Code XXXX theft prevention ; fraud alerts and XXXX XXXX alerts XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX XXXX XXXX AND XXXX
Product: Debt collection

It is ridiculous, this one guy XXXX at Ally Financial repeatedly calls my phone if my payment is even a day late. I blocked his number from my phone bc the calls were beginning immediately at XXXX and sometimes a little before, plus he has called my job to ask for me and I do not take personal calls at work unless it is an emergency. I really wish I would have read the reviews on this company before financing with them bc it looks as if they are a joke and they def have been proving that but the car dealership found them and they had best interest rate for us.
Product: Checking or savings account

I have been paying for my medical out of pocket all year and I have made several attempts to process my funds for reimbursement and I have yet to receive a dime. 

I am XXXX XXXX XXXX XXXX, it is a burden to keep having to use my physical XXXX to ask conpanies to uphold their end. 

I have over XXXX and its been months and still no funds depositing.this has put a strain on my finances as I am a XXXX XXXXXXXX veteran and this is impacting my credit score and the ability for me to get approved for a home loan homeless, the information you have on file is inaccurate I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost a year. 
I was terminated from XXXX while attempting to focus on my health to live. 
XXXX still isn't good and I need the funds ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some fraudulent inquiries are on my credit report. I did not give them permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I reached out via online to XXXX XXXX XXXX and XXXX that I would like dispute XXXX XXXX that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with XXXX XXXX Experian and XXXX all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.
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. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXXXXX XXXX Inquiry date XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ;
Product: Bank account or service

I got employed by the company in XXXX 2015. I was give a user name & password where I could communicate with my manager as well as receive my new tasks. 
I got my first assignment in XX/XX/XXXX which I was told that there will be a deposit of {$5000.00} in my account and that check with the bank to make sure that the funds is available then report to my manager for instruction. I was told to withdraw the funds & XXXX ; to send it to XXXX clients in XXXX by using XXXX XXXX XXXX XXXX ; then to scan the receipt & loaded in the systemand also call XXXX to make sure that the funds were available to be picked up. I received XXXX more transfers after that which was instructed to do the same but different clients. 
Two days later my bank statement was showing negative so I contacted the bank & was told that Navy FCU is asking for the money back so I contacted my manager via email & assured me that the issue will be resolved & amp ; that she is working with the financedept & XXXX ; client in order to take of this matter. I emailed her few time a day for the next couple of days since issue with the transfer was not fixed so the third days I was unable tolog in in order to communicate with her since they deactivated my log in & password. I have emailed their HR person as well as the risk management dept chief, head of the investment dept & public relation chief and no one has responded back to me. I have alsocalled my contact that is suppose to be in NC XXXX XXXX for assistance & he has not returned any of my phone calls. 
According to Navy FCU the money was transfer to my account & they have a record of it but could not give me any other information since I am not a client of the ban & XXXX ; my bank has done anything to help me but asking for me to deposit the money that I do not have back i the account. My back never notified me of these transaction instead they suspended my on line profile & that is reason I found out about his issue. 
According to the web site this company has locations in XXXX, XXXX, XXXX & XXXX. 

Total of money owes is {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts on Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and false and fraudulent bankruptcy ( XXXX ) was reported to my credit report. I have filled a police report and a ftc report and given it to the credit bureau and XXXX said it would be disputed and never heard nothing back in 2 months. Called again and filled another dispute. And then I couldnt access my report at all through XXXX website. And now its being reported on Equifax also
Product: Credit reporting, credit repair services, 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.

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. 

1.XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX 3.XXXX XXXX XXXX  XXXX  - XXXX XXXX 4.XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I went to XXXX XXXX to open a checking account. I got denied opening a bank acct by XXXX due to Experian credit reporting company. I feel that this issue been going on for a long time. I had tried to resolve this issues before. I feel that experian is biased and uses unfair practices regarding my credit report. If this issue it's not resolved. I will take legal action against both companies regarding credit reporting and refusal for opening bank. I will sue both companies and I will contact my senator regarding this issue and will be consulting attorneys regarding this issue. I'm XXXX veteran and I can't even open a bank acct. That's ridiculous
Product: Checking or savings account

My Upgrade checking account has a Cash Back debit card associated with it. The card rewards 1 % cash back on all purchases with no limit. Terms can be found here XXXX XXXX XXXX  My checking account was closed on XX/XX/year>. Upgrade did not pay out the outstanding cash back rewards for transactions that were made prior to this date. My debit transactions from XX/XX/year> to XX/XX/year> amounted to {$35000.00}. I should be awarded {$350.00} in cash back but was not. 

I have attached the statement for XX/XX/year> as well as a print out of the Upgrade XXXX showing the 1 % cash back being awarded for the transactions but not paid out
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The accounts listed above this accounts has been labeled as a charge-off and I have not received a 1099 cancellation of dept form and there for this is miss information being reported on my credit score I demand these accounts to be removed
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against American Express Unjust Account Closures Without Explanation To Whom It May Concern, I am filing a formal complaint against American Express regarding the abrupt and unjustified closure of all my credit card accounts without notice, explanation, or due process. Despite having a spotless payment history, never having a late or returned payment, and recently receiving unsolicited credit limit increasesincluding one from {$8000.00} to {$12000.00} and another Pay Over Time limit raised to $ XXXXAmerican Express decided to terminate its entire relationship with me in an unprofessional and discourteous manner. 

I was contacted by an American Express representative who coldly informed me that all my accounts were closed due to reasons adherent to card agreements. However, when I pressed for specifics, I was met with vague deflections. No one was ableor willingto explain exactly why my accounts were closed, nor was I given the opportunity to escalate the matter to a supervisor. This level of customer service is unacceptable for a financial institution that prides itself on member relationships. 

Adding to my concerns, I have previously been a victim of identity theft where someone fraudulently signed housing leases and opened bank accounts in my name without my knowledge. Given my clean payment history with American Express, it is imperative that I receive a precise reason for these closures, especially considering that I have diligently maintained my accounts in good standing. 

This action by American Express has caused unnecessary financial and reputational harm, and I demand a full investigation into their reasoning for this termination. I also request a formal, detailed explanation in writing from American Express, outlining the exact clause in their agreement that warranted this action. Furthermore, I urge the CFPB to investigate whether American Express is engaging in unfair or deceptive business practices by closing accounts without proper justification. 

I expect a prompt response from both the CFPB and American Express regarding this matter. Please advise on the next steps I can take to ensure I receive the transparency and fairness I deserve as a responsible consumer. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a XXXX XXXX money order XXXX for {$35.00} and mailed to a creditor. It was lost in the mail and the creditor charged me a late fee. I submitted a refund request in early XX/XX/year> online at XXXX XXXX 's website. I waited over a month and did not receive it. I submitted another request online, still nothing. So, I submitted a refund request via XXXX with the money order receipt and a copy of the purchase receipt in late XX/XX/year>. I also file a complaint with the XXXX I received an email reply from XXXX XXXXXXXX XXXX Executive Resolution Dept. on XXXX stating that I would receive the refund within ( 7 ) to ( 14 ) days and that they would also waive the {$15.00} refund fee. It has now been over ( 30 ) days and still nothing. I have been now trying to get my refund for over ( 4 ) months now.??????
Product: Credit reporting or other personal consumer reports

Expwrian is reporting incorrect information on my credit report. It is currently showing that my XXXX XXXX credit card was 30 days late in XXXX when in fact the account was paid and closed on XX/XX/XXXX. It is showing closed in XXXX and it is inaccurate. It was reported correctly in XXXX then they changed it
Product: Payday loan, title loan, personal loan, or advance loan

When signing loan documents I was under the impression that this was a payday, meaning loan proceeds were to be {$250.00} and on the XXXX of the next month a loan balance of {$300.00} would pay the loan in full. 

Instead I received an online statement saying that the monthly payment was approximately {$250.00}. 

I will not make further payments on this loan and I want the balance XXXX out. 

Spotloan is not abiding by what I agreed to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. I have identified XXXX accounts that do not belong to me and have been mistakenly mixed into my credit history due to a case of identity similarity with my father, who shares my name but has a different maternal last name. 

Details of the Incorrect Information : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Please verify if this belongs to me. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- Please verify if this belongs to me. 


Since these accounts belong to my father and not to me, I am formally requesting that they be removed from my credit history immediately, in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which grants me the right to dispute inaccurate information and requires that only accurate and verifiable data be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Debt collection

My debt to Eastern Account Systems was paid on XX/XX/2021. They later reported the account as a collection account to the Credit Bureaus on XX/XX/2021. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor was XXXX back in XXXX, however it was purchased by multiple agencies and finally ended up with XXXX XXXX XXXX. However, they have reported the creation date for this account in XXXX as " new debt ''. And now they have sold it of to a new company XXXX and yet creating a new account as if they debt is brand new. This debt is XXXX XXXX XXXX and should have fallen off my credit. We have reported multiple times to remove the debt and only to receive letters from the creditor not to and then selling off to a different agency. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.