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

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX XXXX XXXX - XXXX 1. XXXX XXXX XXXX  - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX  - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

Offered an extension of my credit via a credit application on a consumer finance transaction for a vehicle at a delaership. Ive received a letter of adverse action reguarding the reason why stating to be credit score and deliquent accounts. This adverse action is unlawful if not confirmed to be % 100 accurate as the lender has not done its due diligence on the reports as far as Confirmed validation of status- Confirmed validation of transunion, equifax XXXX and experion being a gov. Agency which it is not- Confirmed validation with all records paperwork data and information reguarding these fraudulently reported accounts. 

For this adverse action not only am i unfairly unable to dispute on the spot as requested with the dealer being the intermediary party i also am never allowed to speak to the actual official agents who claim to have denied my application. As the consumer, not being able to speak to the direct person involved is extremely frustrating and most unfair as there can be violations done without chance for an oral on the spot rebuttal. And the reference numbers for the adverse action are NEVER properly documented. Everytime i call, they claim to have no information attached to my information to find the reference number for the adverse action letter, and how is it possible to pull a credit report on me then later claim to not have the reference number attached to my information. This is not a clear and honest system for the consumer.
Product: Credit card or prepaid card

XX/XX/XXXX I was scammed and my account was hacked, Bank of America took care of all except XXXX XXXX gift cards XXXX each total XXXX dollars, on XX/XX/XXXX the bank charged me for this amount XXXX dollars and explained they had to do it and will credit me, which the did on XX/XX/XXXX, case closed, no, On XX/XX/XXXX I was charged XXXX dollars on my credit card same bank, Bank of America, Spoke with the bank, gift cards were cancelled on XX/XX/XXXX XXXX gift departmental did not collect any money at all, why the bank is charging me XXXX dollars??? Who is getting this money not me or XXXX gift departmental??? 
Claim # with Bank of America XXXX Thank you, I will appreciate if you could look into it, I feel I am being scammed by my own bank I have been with for 36 years, Thanks again XXXX XXXX
Product: Checking or savings account

Transactions : {$1300.00} : XXXX XXXX XXXX XXXX XXXX$1500.00} : XXXX XXXX XXXX {$500.00} : XXXX XXXX XXXX Paid {$1300.00} deposit for moving agency to move my things that in contract states it will go towards the move. The moving agency used third party movers which was not explained to me. The movers were rude, late, and did not move all my items resulting in me having to dispose of my property. The movers told me I owed more for the move than what was initially agreed on which did not make sense because they left items. The mover had me sign a paper and stated I could pay once I resolved my issue with agent about discount for move. Once the moving agency received payment I rarely herd back from them in regards to anything I called for a week and there was no response or resolution. The second week the movers call me threatening to sell my property unless they received a payment. Their contract clearly stated no payment should be made if youre in a dispute process which I was. I explained and sent a picture of contract. The movers could care less. The movers were rude and when I would call would ignore it but send me a text. They argued with me through text after business hours. I was given XXXX to pay them XXXX dollars book a flight to XXXX, get a uhual and move my things myself, mind you XXXX in south Florida XXXX I asked about the XXXX going towards the XXXX and she said no although it states in the contract it does. At this point I was forced into paying the ransom in order to get my things. I paid XXXX for a move that did not happen and still had to pay for a flight, uhual and gas XXXX XXXX my stuff all the way down FL which was close to an additional XXXX. I understand that contract say non- refundable however the service was never completed so now it is considered fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Summer and Fall of XX/XX/2020, I was a victim of identity theft ; while living in XXXX on XXXX XXXX orders, a criminal stole my identity to open a XXXX account in XXXX TX, which then was left unpaid for the amount of {$740.00} and change. To make a long story short, it took me a month of staying awake in the middle of the night to contact the XXXX XXXX police department ( of which I was a resident before moving to XXXX XXXX, the XXXX police department, the three credit bureaus, and XXXX itself to follow up on my case. 
Eventually, the fraudulent charges were taken off my credit reports, and I was advised by XXXX and XXXX to activate a free service, which would allow me to lock and unlock my credit report at my convenience. When I contacted Experian regarding this service, they advised me that the very same service cost {$25.00} per month. After contacting them again today XX/XX/XXXX at XXXX XXXX XXXX, XXXX from the XXXX XXXX Department, reported Experian will not provide me access to this service for free, regardless of being an XXXX XXXX identity theft victim. She suggested I, instead, keep a freeze on my account, but that is not a feasible solution for me because I still want to have the ability to request credit at my convenience. Ultimately, as a " forced '' consumer, I would like to have the ability to provide access to my credit to whichever company I decide I want to share the information with, at my convenience, not Experian 's convenience, and it is ludicrous to me that I have to pay a {$25.00} to do so, especially when the other two bureaus offer this service for free. In addition, living overseas makes my attempts at monitoring my credit harder because of the differences in time zones XXXX XXXX to CONUS ), and being able to manage my own credit would provide me with some needed relief and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in Canada were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against the three major credit reporting agenciesXXXX, XXXX, and Experianregarding the wrongful and harmful information they have reported on my credit reports. These inaccuracies have caused significant harm to my financial standing and were reported in direct violation of the Fair Credit Reporting Act ( FCRA ) guidelines. 

Despite my efforts to dispute the erroneous information with each bureau, they have failed to correct the inaccuracies, thereby neglecting their duty to maintain fair and accurate credit reporting. As a result, my creditworthiness has been unjustly impacted, leading to denial of credit, higher interest rates, and unnecessary stress. 

Attached to this letter, you will find detailed documentation outlining each violation committed by XXXX, XXXX, and Experian. These include instances of : Inaccurate reporting of accounts. 
Failure to remove disputed items in a timely manner. 
Reporting outdated and obsolete information. 
Ignoring my formal disputes and not conducting a reasonable investigation. 
According to the FCRA, each of these violations entitles me to compensation of {$1000.00}. As outlined in the attached documentation, the total number of violations amounts to XXXX ( XXXX ), bringing the total compensation owed to me to {$10000.00}. 

Attached, you will also find an invoice totaling {$10000.00} for these violations. I respectfully request that the CFPB intervene in this matter to ensure that XXXX, XXXX, and Experian rectify these errors promptly and compensate me for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to ensure that these agencies are held accountable for their actions and that my rights as a consumer are protected. 

I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Marcus by Goldsman Sachs never resolved my concerns and problems. I had to call multiple times and my concern never has been resolved. 
The customer service people are really rudes to me and hanged up on me. I am not able to add Gm Credit card to my apple wallet through the Marcus app and Marcus website. It happened to me too many times. Please take an action against them.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future.

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I currently have a Best Buy backed by Citi bank credit card. This card used to have an option that if the balance was over a certain amount even if it was outside of Best Buy you could have interest free financing. Then within the year it turned to you receive an email and have to activate the email. I received an email each month and activate it each month which states Get up to XXXX month XXXX on each eligible purchase made with your My Best Buy Visa Card outside of Best Buy from the date you activate this offer until XX/XX/XXXX. 

Activate this offer by XX/XX/XXXX to XXXX for the following offer : XXXX  month XXXX on each eligible purchase of {$290.00} - {$590.00} or XXXX month XXXX on each eligible purchase of {$590.00} or more Only purchases made after activation will qualify for this offer. 
Use this special offer for travel, entertainment, home furnishings, car repairs and more! 

On XX/XX/XXXX I charged XXXX to my card. On XX/XX/XXXX charged XXXX. Assuming this would be put i to my promotional balance. 

This never happened. I called Citi bank the only number I have for the credit card the first time and the first person first told me Best Buy doesnt do interest free financing outside of Best Buy. Thats a lie. Finally they got to a point and said they do but I didnt activate my offer. So I gave them the date I received the email and about when I would have activated. Never thinking I needed proof because this hasnt happened before when I used it for this purpose. When I gave him the date he said I did not activate XXXX but I had in XXXX which was expired by this time. I asked for a manager went through whole thing again as well as in clouded the activation is through XXXX even if I didnt activate the one I did activate they confirmed I actiavated on in XXXX so that one would have still been valid. They advised they would file a complaint. I called back in a few days and had the same go around cut this time when I talked to the supervisor they said there had not been a complaint filed they would file XXXX and I would hear back on if they could move the balance but he has never seen this happen before. I then called can again to once again point out that I had activated an offer, they confirmed it and that something needs to be done because my balance is due. I would have chosen another card with perks if I knew they werent honoring their deals. He said a complaint had been submitted he could not change it and I would get a letter in XXXX business days. It is now over 30 days later I have not received anything and nothing has been done with my balance, but my next purchase on XX/XX/XXXX did make it to the promotional balances. This is misleading if they are not honoring there advertising. I lost out on benefits by using this card instead of a different one. I have attached XXXX of the many offers I get which was the most recent along with the one they say I activated and the one I say I also activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXX-Account # XXXX, XXXX XXXX  - Account XXXX XXXX, XXXX XXXX -Account XXXX, XXXX XXXX- account # XXXX, XXXX XXXX  - Account # 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 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 following items of information any other adverse item of information, other then 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. 

My rights as a consumer has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies Experian, XXXX, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fell behind on payments due to error from my Doctors office. Contacted SYNCB / CREDIT on several occasions and wrote them a letter. No reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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
Product: Credit card

I got a new credit card from Chase Bank for the XXXX XXXX with a limit of XXXX dollars. I called the bank to ensure what the card is about since I have other accounts with them. This card was opened on XX/XX/XXXX with Chase Bank which I never did. They closed the account and marked it as fraud. I also followed up with XXXX to get fraud protection who said they would push out the notification to the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an inqiry from " credco '' on XXXX XXXX 2019 on my credit report by XXXX XXXX. 
No further information about Credco available.
Product: Debt collection

XXXX XXXX,2017 {$130.00} A.R.M. Solutions sent a letter stating that they were a debt collection company for the XXXX XXXX. The letter stated that if I did not pay the {$130.00} it would damage my credit. 

This " debt '' is fraudulent and I do not owe The XXXX XXXX any money. I have sent a letter, phone calls and email to A.R.M and XXXX XXXX XXXX and the matter is still not resolved
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : Midland Credit Management Address : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Midland Credit, I recently reviewed my credit report and noticed a collection on my credit report. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter