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

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my records, I discovered these late payment entries. Despite having sent correspondence about this issue more than XXXX  days ago, I have not received any response, nor have I been provided with adequate validation. I am seeking your assistance to resolve this matter quickly and effectively.
Product: Credit reporting or other personal consumer reports

Bank of America verified false information to XXXX, causing pain and suffering. This was done during an open dispute against them. This is illegal.
Product: Debt collection

I mailed proof of payment of {$180.00} to collection agency it was paid directly to XXXX XXXX XXXX which I still have as phone carrier I sent collection agency receipt of payment
Product: Debt collection

Someone from Texas has used my name to set up a utility account and now the bill showed on my credit report and is damaging my credit. The below was provided and I was asked to provide a record of proof of my address which I have. 
Collection Agency TRANSWORLD SYSTEMS INC Original Creditor Name XXXX XXXX  Date Assigned XX/XX/2022 Original Amount Owed {$470.00} Amount {$470.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/2022 Comments AFFECTED BY NATURAL DISASTER Contact TRANSWORLD SYSTEMS INC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Product: Checking or savings account

Citi bank had an Advertisement opening a CITI XXXX account package which mentioned deposit XXXX and receive {$700.00} at the end of the term which was six months. I open the account on XX/XX/XXXX, at XXXX. I went back on XX/XX/XXXX to retrieve XXXX which would have been the cash Bonus for letting the bank use my {$50000.00} for six months and was told that I was not going to get the money cause there was some mistake!. I asked what could possibly be the problem and Neither the teller, or the manager of the facility had any answers!!. So, I would like this matter to be taken seriously, and putting hands of someone who know exactly what is going on with this institution!. I as a consumer feel like I have been XXXX, miss treated, and I feel that there has been a XXXX profiling on me!.
Product: Credit reporting or other personal consumer reports

Please know I am acting fast to protect my rights, because the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) totally shows how crucial it is to keep a flawless credit history, especially after dealing with the mess that identity theft brings. This law totally demands that credit reporting companies get their act together and promptly ditch any info they snagged through identity theft as soon as they get the right notification. No excuses! I'd really appreciate it if you could wrap up the deletion in the next four working days. Let 's keep things running smoothly, shall we? Oh, I totally appreciate it, like, for real! We need to get on this ASAP to make sure these safety measures actually work. Disregarding these guidelines totally messes with the credibility of the credit reporting system and creates a whole lot of hassle for people dealing with situations like mine. I expect a quick response about this issue because my rights deserve some serious protection, thank you very much.
Product: Credit reporting or other personal consumer reports

Received a credit monitoring alert from XXXX on XX/XX/year> that there was a hard inquiry on my credit report from Bank of America. I placed a freeze on my credit report and notified XXXX of this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX  with all 3 Bureaus XXXX, Experian and XXXX. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as inquiries not belonging to me. However the credit reporting agencies are refusing to remove the information stating that items come back validated even though the information is incorrect. 

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING
Product: Credit card

When I saw the promotion of American express XXXX Credit card welcome offer of XXXX bonus points, I applied for it online. I Paid {$690.00} and spent more than {$6000.00} as required by welcome offer conditions. 
When I did not see the points after meeting above conditions, I called the company customer service and they told me that during the application there was a pop-up that told me that I am not qualified for the bonus points and I have agreed to that. I ask for the proof of that agreement and they told me that I have to subpoena that proof. 
On XX/XX/2023, I wrote to their management in XXXX XXXX XXXX and after few days they called me and told the same. 
Their offer terms clearly states, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application ''. They are saying that the pop-up during the application is the notification. 
I NEVER SO THAT POP-UP DURING THE APPLICATION AND I NEVER AGREED THAT IS IT OK TO ACCEPT MY APPLICATION WTHOUT A WELCOME OFFER. AND I THINK POP-UP CANOT BE CINSTRUDE AS A NOTIFICATION. 
I requested proof/copy of that notification ( pop-up ) and they refused to provide it
Product: Debt collection

Asked for information pertaining to the collection. Never received any info. The only communication made is between CFPB and them. They responded to CFPB and said they acted in accordance with the law. Not sure what that means. Anyhow, all I know is that they said the debt is from XX/XX/2017. I have no medical debt from 2017. They have not sent any paperwork for me to figure out what this is. If needed, I qualify ( qualified ) for financial aide for medical debt under income poverty but I dont know how to apply the aide to the debt since Financial Credit Network collection agency has failed to send me one document of info so as to clear this up.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XX/XX/2019 I sent XXXX XXXX and XXXX XXXX XXXX XXXX a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX 

On XX/XX/2019, I contacted XXXX XXXX Attorney who is representing them by the name Knight & Hooper. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at Knight and Hooper via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to XXXX XXXX requesting the repossession information that's supposed to be provided to the consumer by law. 

We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at Knight and Hooper who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information. 

They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}. 

This is the second attempt and XXXX XXXX have failed to send me the information requested pertaining to the repossession listed on my credit reports.
Product: Checking or savings account

My husband passed away XX/XX/22. His SS payment of {$2000.00}. was direct deposit on XX/XX/22 to Chase Bank but bank subsequently placed on hold. I presented the SSAXXXX form per Chase 's request to bank 's assistant XXXX XX/XX/22 which states " the payment paid on XX/XX/22 of {$2000.00}. is due to the claimant. Please release the hold payment ''. Form also included a letter from SS stating " SSA DOES NOT HAVE A HOLD ON THE PAYMENT ISSUED XX/XX/22 IN THE AMOUNT OF {$2000.00}. THE NUMBER HOLDER WAS DUE THIS MONEY AS SSA PAYS A MONTH IN ARREARS ''. Chase 's assistant XXXX called XX/XX/22 to inform me check had been released. The following week it was placed on hold again & as of XX/XX/22 his payment is still on hold. I've made numerous calls to each department they claim is " reviewing '' this hold plus sitting in the bank manager 's office for hours who offered XXXX but no help. Received bank message on XX/XX/22 that hold was now in Decedent dept. who states it will be sent for review again. I've spent the past week dealing with totally inept employees either in person or on the phone to the point of exhaustion. The mental distress over losing my spouse and then to endure Chase Bank 's malfeasance & total disregard of their mistake goes beyond a " complaint ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing companies to report false information on my credit report. They claim that they have investigated but they do not have on evidence on file or any evidence that they can provide to me that can substantiates the false reporting on my credit report. 
The following companies are reporting false information. Experian is allowing XXXX XXXX to report negatively on my account, I have never been late or past due on any account with them. Experian is allowing XXXX XXXX to falsy report and they have has not been able to prove that I owe them anything. They have put my name on a family members account and charged me with the debt. I never contracted with this company. The company can not even provide a signed contract with my name on it with or without a signature. Experian has allowed XXXX reports that I have been late and its not true. Experian refuses to investigate and provide documentation or proof that I was ever late with this company. Experian is allowing XXXX XXXX to falsely report although the account was fully paid. Experian refuses to investigate or provide me proofs or evidence of any of these false reports. Please have Experian remove all these accounts from my report immediately. They are willfully breaking the law. They have caused me irreparable harm.
Product: Mortgage

We closed our mortgage with Selene Finance when we sold our home on XX/XX/XXXX. We had an escrow surplus of approximately {$2100.00}. When the 30 days had passed that we shouldve received the check from them, we called and they claimed they sent the check to the wrong address and that they were canceling and reissuing the check. They said we would have it by XX/XX/XXXX. When that date passed we called to ask where the check was. They then said the account had been charged with miscellaneous fees on XX/XX/XXXX ... the fees are not described, and they were placed on the account two and a half months after the account was closed.
Product: Debt collection

per the hippa law to demand this collection to be deleted from form credit report. I do not nor have not done business with stern recovery services and under the hippa law they don't have the right to uptain any of my private medical info from anyone on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report # XXXX for XX/XX/year> XXXX Credit Report Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is consumer reporting agencies and I am the Consumer with the right to make sure my private information is not shared. This is supported by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX Partial acct # XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXXN, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit Report from Experian is showing my XXXX XXXX Credit Card account back on XXXX of 2013. I have submitted several disputes to Experian and they answer account was verified and remains unchanged like saying no update necessary. So i decided to dispute the error directly with the Creditor and when they respond me back all they say is that they can not verify any information over 24 months back. So my question is this. If the Original Creditor can not verify that information how is it possible that Experian verify it and then send me the respond of my dispute saying that no update is necessary because the account was verified. That is unacceptable for either parties.
Product: Credit reporting

In violation of FCRA, the above mentioned credit report by Experian, a section of " Requests for credit history inquires shared with others '' contains name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt:1. XXXXXXXX XXXX XXXX XXXX XXXX2. XXXXXXXX XXXX XXXX XXXX XXXXExperian should explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number : XXXX My name is XXXX XXXX Im filing this complaint today because I am a victim of identity theft.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine in the past ive called Experian and i also submitted few disputes by mail and by online portal even called in and waited over 3 hours but this company failed to solve this issue so today Im reaching out to the CFPD to help me solve this matter. This fraudulent debt is hindering my ability to apply for credit or even get a first time credit card to build credit. I don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress. Worst part I was denied a job based on negative information on my report. I have been subjected to adverse action pertaining to the CRAs reporting inaccurate information as a result of fraud. I am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports! My personal information was exposed in a data breach Ive been receiving calls from debt collectors and also gotten calls from different NUMBERS that comes up as FRUAD on my caller id!! Im asking the CFPB to help me solve this matter because I try to fix this issue on my own but for some reason Experian failed to help me and replied back to me as verified but dont give me proof of the verification!!! I CANT AFFORD AN ATTORNEY OR A CREDIT REPAIR AGENT AT THIS TIME, so Im doing everything myself please help me solve this matter. Heres the list of all fraudulent accounts listed and reporting on my report!! 


XXXX XXXX, XXXX {$500.00} reporting on exper Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney ( XXXX ) XXXX XXXX XXXX XXXX {$430.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company ( XXXX ) XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Balance Loan Amount {$500.00} - XXXX XXXX XXXX XXXX XXXX ex eq Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account and please correct this accounts also XXXX {$0.00} Paid, closed XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Closed XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account US DEPARTMENT OF EDU {$4100.00} reporting on experan Account Info Hover over labels for more details Account number XXXX Account status Closed US DEPARTMENT OF EDU {$7500.00} reporting on experan Account Info Hover over labels for more details Account number XXXX
Product: Money transfer, virtual currency, or money service

I've always had problems with this particular PLS location downtown XXXX. Through my relationship for years with them they have always given me bad attitude problems and bad customer service. Repeatedly they have malfunctioned my accounts and my debit cards with them. So the district manager that just started working here about the most recent incident, as I usually have complained in the past and they won't do nothing. When I called her cell phone or she called me she told me that she would fix the most recent issue. She told me to go back down there in person so that the issue can be fixed but I didn't show up because of personal crisis. When I did not show up she told that store do not deal with me anymore because this is what they told me when I finally came in person. I then text messaged and told her that they didn't want me in the store no more and they refused to cash my check. They also were talking about me like a dog. I also spoke to her on the phone she was mean and hung up in my face and started forwarding my phone call now she doesn't want to talk to me. I went back into the store on 3rd shift and it was a XXXX XXXX XXXX girl in her XXXX XXXXXXXX  working there by herself, she told me to give her my check and she put my check into the machine, then she told me I'm blocking your profile here and I just snuck and put Fraud on your check so get out and don't come back. I didn't believe her and went to XXXX to cash my check, and XXXX gave me a printout that shows that this girl placed fraud on my check. I contacted the fraud line and no one works there, it's just an automated machine so at this point I'm in a bind.