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

I am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification. 
I demand the following accounts be verified or removed immediately. 

. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  and Equifax asking them to remove an inaccurate account that is not my account. I have also contacted the creditor whereas they have no knowledge of me. I asked both credit bureaus XXXX  and Equifax to provide me proof of verifying and asking where and how did they verify this account and they haven't sent me anything.Its been 120 days now still nothing. Whereas XXXX  removed the account and stated they could not verify. The account listed below is not my account, it needs to be removed off my report. 
OFFICE OF THE ATTY GEN Account Number : XXXX XXXX  and Equifax failed to go by the frca laws and they are demaging my report by reporting false information. I have given then 120 days and they still have yet to obey by the laws.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I want to dispute an inaccurate, untrue, incomplete, untimely, non-compliant, and possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or elsewise compliant to every single one even each any of the regulations applicable laws, and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/scrub>XXXX  This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry. 

XXXXXXXX XXXX XXXX XXXX XXXX This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA.

Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA.

These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA.

Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders.

I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above.

Thank you for your assistance in protecting consumer rights under the FCRA. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX XXXX under the account number # XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XXXX XXXX with a balance of {$370.00} that appears related to the aforementioned telephone company. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX I am filing the FTC theft to report XXXX separate fraudulent accounts, appearing on my consumer file report, which are the results of identity, theft and fraud. These fraudulent accounts consist of rental apartments open between the years of XXXX XXXX XXXX XXXX collections accounts XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer XXXX credible report. I Demand the aforementioned fraudulent items be removed from each of my consumer credit report and that all collection activities related to said items cease pursuant to my rights with the FCRA and FDCPA Law. 
Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXidentitytheft.gov/XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX credit card. I tried to log in to my account via their app and online on Sunday night XX/XX/2021. It wouldnt let me log on, stating my account was closed. I called ( was on hold for 2 hrs ) and they said it was a system outage and not to worry, my account wasnt closed. However, they erroneously reported to credit agencies a derogatory closure & charge-off of {$880.00}. XXXX has not responded as to if or when this error will be fixed. Many others online are reporting similar hits to their credit reports/scores. Those with XXXX are trying to rebuild their credit, and must not be taken advantage of.
Product: Checking or savings account

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their website In XXXX ( {$500.00} ). Despite meeting all the requirements specified in the promotional descriptions, I have not received the {$500.00} as offered by U.S. Bank. To provide a comprehensive overview of the situation, I have attached the relevant document for your reference. It confirms that I opened my new account within the specified timeframe in XXXX, well within the 30-day window. 

Moreover, this bank statement displays my U.S. Bank transactions, demonstrating that I deposited an amount of {$5000.00} on XX/XX/year> and an additional {$5000.00} on XX/XX/year>, both of which exceed the minimum deposit requirement of {$10000.00}. Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. 

I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over 3 months since I fulfilled all the requirements, and the bonus has still not been credited to my account. I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. 

Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$500.00}. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Moreover, I have submitted the same claim before and that claim has been closed. However, I still did not receive the company 's response and not able to make the call. Here is the complaint ID : XXXX. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Debt collection

Agency of credit control has placed this collection on my account without notice for the second time. I asked for verification and they have sent a letter that it was paid in full and account will be ceased but still did not put in a request to have account removed from credit bureau or verification. First time I filed a compliant the account was removed off credit report and 6 plus months later account was added back on my credit report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 or other personal consumer reports

I Contacted the bankruptcy court on XX/XX/year>, certified mailing # XXXX to inquiring on their method of verification with the credit bureaus. I would also request the procedure they follow when furnishing information which is reported to the credit bureaus. I also included a self-addressed, stamped envelope. They responded with a letter dated XX/XX/year>, notified me that the do no have jurisdiction over the credit agencies and do not report to credit repoting agencies. 
On XX/XX/year>, I sent a letter to the credit agencies to Immediate Deletion of Fraudulent Debt Reporting from Credit Bureau Records, XXXX XXXX  - XXXX ; XXXX ; XXXX ; XXXX XXXX ) XXXX XXXX XXXX XXXX and thay refuse to delete the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity Bank XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. Commenity Bank offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with Commenity Bank, XXXX XXXX XXXX, XXXX, XXXX, and XXXX to no avail.
Product: Student loan

I submitted an IDR application on XX/XX/year> to switch my repayment plan from SAVE to IBR. The servicer told me it would take 60 days to process. It's been more than 60 days and the application is still not completed. Whenever I called, the wait time was hours long and I never got to talk to a real human.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. XXXX payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX
Product: Credit card or prepaid card

I received a Capital one statement reflecting a balance of {$520.00} of which {$500.00} was my credit limit and {$23.00} were late fees. Payment was due on the account XX/XX/20 in which I paid {$500.00} on XX/XX/20 on XX/XX/20 there was a intrest applied to the account. I contacted Capital one to inquire, I was told the intrest was applied due to my outstanding balance. Balance needed to be paid prior to XX/XX/20. I was also informed that my payment of {$500.00} was being held for 7 days and would not reflect as paid on my account. Which is why intrest charges incurred even though my payment was received. I was told by 2 account representative as well as supervisor that because I paid my balance in full they would hold it for 7 days even though it cleared my financial institution without any issues. I have used the same method of payment since the credit account was established and the same amount monthly for 2 years. This is unlawful
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Equifax credit reporting agency unlawfully re-inserted an item back on my credit report thats not suppose to be there. XXXX  XXXX credit card account # XXXX. In compliance with 611 ( a ) 5 ( b ) I did not receive legally required notification within 5 business days.
Product: Credit card or prepaid card

US Bank placed a security hold on my account because I changed addresses in XX/XX/XXXX. To release the hold, I have uploaded all documents they requested, including : Social Security Card, Driver 's license, Bank Statement, Tax form. Everything was exactly as requested. Still, after calling multiple times, we are now in XX/XX/XXXX, and they refuse to release the hold on my account and send me out a card. Also, they refuse to tell me why they won't send out a new card. They have essentially stolen {$15000.00} of my money. I don't know if they think they can get away with this, but will file a complaint with law enforcement, and take them to civil court if necessary.
Product: Debt collection

I have a debt that Commonwealth financial contacted me for. We made arrangements to get this paid. I was contacted by them in XX/XX/2021. I started making my payment the day they contacted me. I have automatic payments that come out for this from my bank. They are still coming out. They have put this on my credit report. I have disputed it with all companies, XXXX XXXX XXXX They all have been removed but XXXX. All it did was update when I read my dispute results. But I read the dispute and they are still saying it's accurate but it is not. They are still saying that the balance is still {$420.00}. It is not because I have been making payments since XX/XX/2021. And they are still taking the automatic payments out. I want this removed from my credit report. I do not think it is fair that they keep updating my balance even though I am paying on it but they keep updating it as if I never made a payment and as if I'm not making payments now. I want this removed. I want to be contacted of also from sending this. my email is XXXX.