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

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts 1. XXXX XXXX XXXX XXXX XXXX  this account is being reported inaccurately
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with the ongoing issues related to the correction of late-opened accounts under my management. Despite having made these attempts to rectify these discrepancies, the problems persist, and my accounts remain incorrect. This situation is causing significant inconvenience and frustration. The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. I would appreciate a prompt and effective resolution to this matter, including : 1. A thorough investigation into the repeated failures to resolve my issue. 
2. Clear communication regarding the steps that will be taken to correct the accounts.

3. A timeline for when I can expect this issue to be fully resolved.

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX, CO XXXX ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint starts with CFPB complaints including XXXX, with incorrect late payment reports. this complaint was not adequately addressed with Experian and other CRAs, believing the complaint was not made by me, XXXX XXXX, and therefore was not addressed. XXXX  and XXXX  also have not yet adequately responded. PLEASE HAVE CRA REPRESENTATIVE CONTACT ME DIRECTLY FOR COPIES OF SENSITIVE FINANCIALS THAT PROVE LATE PAYMENT REPORTING IS INCORRECT. (  the following was my feedback to complaint XXXX ) This complaint is mine, XXXX XXXX, and was written and furnished by me to the CFPB for their assistance in correcting wrong and derogatory reporting by these creditors, XXXX XXXX, XXXX, and XXXX, to the CRAs. Please assist me and the CFPB in removing all reporting by these creditors. The creditor is not adjusting the reporting to CRAs as it might reflect guilt during this civil litigation and the issues are sensitive to the mismanagement of escrow funds and violations of RESPA, namely refunding surplus escrow funds. These are the primary reasons the creditor refuses to change CRA reporting and why I, XXXX XXXX, am asking the CRAs to work directly with me and my documentation that proves the mortgage servicer has always been in receipt of the monthly payment, or more, within 30 days of the due date. I am looking forward to a representative from each of the three credit reporting agencies to contact me directly at XXXX for copies of my financials, including mortgage statements, that will not be made public or shared with any other party.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my XXXX  written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of XXXX. 
The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account # XXXX Please remove it from my credit report.
Product: Checking or savings account

I have been a citibank Gold Card customer for many years. I now ( since XX/XX/XXXX) live in the XXXX. I should have over $ XXXX between my Checking and Savings accts at Citi , plus two credit cards : Master Card, and Simplicity Card. Credits cards were used mostly for domestic and international travel, and providing the annual renewal fee for the XXXX XXXX for my office and home computers. I am XXXX years old. All my credit card charges were always paid in full within 30 days of billing. 
About XX/XX/XXXX, I was advised by XXXX that they were not able to automatically renew my protection due to " both credit cards being cancelled. I went on line to my " Accounts Page '' and via CHAT Service, was told that : " I ( the chat guy ) will sent you a secret password '' to your USA cell phone number, then you can repeat that secret word back to me, and I can then help you ". I told him that I did not have a USA cell phone number. He said too bad, can't help you. He told me to call a 14 digit phone number. I call there after getting a Long Distance Cell Phone Card Load and was transferred back and forth between two people who would each spent several minutes verifying me, until my load ran out and I was disconnected. 
Today, I again got another special load card and called that number. Again I was transferred without getting any help and was finally told '' cards are cancelled, can not help you. 
I think my money may have stolen. Access to all my accts has been blocked, and I do not have money for food, rent, etc etc. Please help.
Product: Debt collection

Again this company has listed I owe the following which is not verifiable I have disputed and requested several times with nothing being received. Please help I want these inaccurate remarks off of my credit file The CBE Group # XXXX The CBE Group # XXXX I do not owe
Product: Debt collection

I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!
Product: Checking or savings account

My tenant deposited the security deposit and rent in my account on the XXXX, XXXX, and XXXX. 

All her checks were returned. Since rent is late and the bank told me her checks were returned due to insufficient funds. I filed for eviction and filed a police report because her checks bounced. 

Today I logged into PNC and my balance is XXXX. PNC informed me they're closing my account because of my tenants activity. I am not associated with her so I don't understand why my account is getting closed. 

I'm confused how a bank even allows a person to deposit multiple bad checks without verifying funds while at the bank. The bank should arrest her, but I am pressing charges on her. 

I've been a landlord over 15 years and have never experienced so much unprofessionalism a bank. 

PNC told me they don't press charges for small amounts. Ridiculous. But closed my account instead.
Product: Credit card

In early XXXX, I noticed a charge that I was n't familiar with on my Sam 's Club MasterCard Account Statement from Synchrony Bank. The charge for ~ {$200.00} was made on XXXX XXXX in XXXX, FL and I live in UT. Synchrony Bank has a very archaic inquiry process which required me to complete a manual form and fax or send my inquiry in for processing. A response to my inquiry was finally sent on XXXX XXXX. The information provided by the Bank indicates that there were XXXX separate MasterCards used to pay for XXXX transaction. Each of the XXXX cards were charged the same amount and were signed by the same person. In addition to a Receipt of Charge for my account that I did not personally sign, the Bank also provided a copy of the driver 's license for what appears to be the individual who signed each of the XXXX Receipts of Charge. The letter from Synchrony Bank that accompanied this detail advised me that the transaction is valid and that the amount in question is now subject to interest charges and will be used to determine my minimum payment due. It does n't take a rocket scientist to realize that I did not sign for the transaction and that the identification provided ( driver 's license ) by the individual initiating the transaction does n't match my account. From my perspective, the transaction is clearly fraud, my card number has been compromised, and the length of time and the process required for me to identify and subsequently reach out to the Bank a second time to address the issue is clearly unacceptable. The Bank should have fraud detection processes in place to proactively identify and review charges that are potentially fraudulent. My transaction should have tripped the Bank 's fraud detection filters. The customer service reps whom I spoke to regarding the fraudulent transaction did n't give me a great deal of confidence that the matter would be handled appropriately. I 'm also concerned that the Bank provided me with a copy of another person 's driver 's license complete with name, address, date of birth, etc. ( PII ) without the individual 's permission. At this point, I 'm waiting for the charge to be deemed fraudulent, removed from my account, and to have my current card replaced with a new account number. I 'm also concerned that there are XXXX additional cardholders who received the same charge that I received on XXXX XXXX ( per support that I received from the Bank ) who potentially did n't or have n't yet identified the same fraudulent transaction in their accounts. The customer service rep initially advised me that these cardholders would need to dispute their own transactions but after additional pushing on my part said that they would attempt to alert the other cardholders of the potentially fraudulent transactions. I do n't find my experience, brought about by very poor operational and risk management processes, to be acceptable for any financial institution let alone one that is supporting such a large partner as Sam 's Club/Walmart.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. 

XXXX XXXX XXXX Opened XX/XX/year> {$550.00}
Product: Debt collection

ENHANCED RECOVER COMPANY A DEBT COLLECTOR FOR XXXX XXXX, IS PRACTICING RE-AGING, THEY POSTED A COLLECTION ON MY CREDIT REPORT WHICH HAD A NEW DATE AS A COLLECTION AS OF XX/XX/2020. 

THIS ALSO WAS DONE BY THEM 3 YEARS AGO ON MY CREDIT REPORT AND I HAD IT REMOVED, NOW THEY ARE MAKING IT LOOK LIKE A NEW COLLECTION, AND ITS OVER 10 YEARS OLD.
Product: Credit reporting or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 an account without my written instructions.
Product: Credit card or prepaid card

I got my state income tax return for OK state tax year XXXX. I had an issue with my mailing address and never received a card with my return on it. I contacted the stated and they said its out of their hands once they forward it to the card company. I got the number for Way2go. I called and its an automated loop with no way to talk to a representative. I tried multiple numbers but they all require a PIN, which is generated after you receive a card. There is no way to contact them if you never get a card in the first place. I would like for a Way2go Associate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states, a creditor can not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Original Creditor This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX. I do not have any contract with XXXX XXXX XXXX. 

According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of my first letter complaint wasXX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

OnXX/XX/XXXXI filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.
Product: Debt collection

Back in XXXX, I signed up to receive solar panels for my home residence through XXXX XXXX XXXX. It became quickly apparent that they were not going to complete this install in a timely manner as they had initially promised and I inquired about cancellation. I was told at the time by employee, XXXX XXXX, that I would not be charged the cancellation fee of up to XXXX XXXX of the total project cost. After further inquiry, he and some of the other employees of XXXX XXXX showed me in writing that my cancellation fee was waived. After this point in XXXX, I did not hear about any supposed debts I owed to XXXX XXXX. It was not until this last Friday ( XX/XX/XXXX ) that I received an email from a 3rd party called Advantage Billing XXXX XXXX ( not a physical mail or phone call ) that my account was overdue and demanded immediate payment within XXXX days else I would receive unspecified legal actions against me. There was no indication of my rights in the email nor how I could dispute the charges. I emailed them back the same day ( XX/XX/XXXX ) and said that I had proof that the cancellation fee was waived. I received no response. I tried calling today at their listed number ( XX/XX/XXXX ) and nobody picked up. I was leaving for XXXX on the same day I received their initial email and knew that I would not be home in the 10 days they gave to resolve the issue.
Product: Credit card or prepaid card

I received a text alert and email asking if I opened an account on XX/XX/12 as well as an email address verification asking me to call if I do not recognize this activity. The alternate billing account was listed for California and no transactions were made yet. Bank of America has closed the account and will be sending me the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a block on my credit files with XXXX, XXXX and Equifax. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item listed as " XXXX XXXX '' that has been PAID and needs to be removed from my credit report IMMEDIATELY