23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Noticed on XXXX statement unauthorized XXXX charges on my Bank of America statement. Found that the charges had started in XXXX. Charges totaled roughly {$1400.00}. Filed a fraud complaint with Bank of America. Bank of America denied the claim stating that an authorized user on the account used the card and made the purchases. This is an erroneous conclusion as there is no other authorized user on the account and I did not make these purchase. I only use my XXXX card to make XXXX purchase. Not my Bank of America card. 

I appealed the decision and also spoke to XXXX. XXXX confirmed that the transactions were not made by someone on my account and sent me an email stating so. I faxed the email to Bank of America on the appeal but Bank of America still denied the claim citing the same reason that an authorized user made the charges. 

Bank of America claims in their credit card literature that there is 100 % liability protection for unauthorized charges. This is clearly no the case and upsetting that Bank of America refused to refund any of of the {$1400.00} in authorized charges. This just doesn't seem fair. 

Hopefully you can help.
Product: Credit reporting

I am having trouble with XXXX XXXX and how they reported to the credit bureaus from XXXX. We had an agreement with XXXX to make fixed monthly payment on one of my accounts. I followed the agreed terms faithfully and made on time monthly payments. They however reported to the Credit bureaus that I was over 120 days late for the period in question. Attempts to speak with someone at XXXX have been futile with every rep saying that the time frame in question is too far back and they can not verify this information. The information they sent to the bureaus is wrong and they refuse to correct it. This has greatly hampered my ability to get favorable terms when I apply for credit.
Product: Mortgage

Rushmores failure to accept our housing assistance funds ; Rushmores failure to consider all loss mitigation alternatives for our VA guaranteed loan such as a special forbearance ; and for Rushmores denials supported by only conclusory statements and without specific facts supporting the denial. we were not considered for a special forbearance ( given the HAF application and applications for benefits now pending as stated in our hardship letter ), nor does it appear that we were considered for a COVID-19 Refund Modification ( VA Circular 26-21-13 ), and we believe that Rushmores failure to accept HAF funds may have harmed our relief available to us in meeting targeting outcomes for the COVID-19 Refund Modification
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Exter Finance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Exter Finance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.
Product: Debt collection

I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO XXXX  THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative inquiries and charge off should have been removed
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning issue regarding the reporting of my credit history by XXXX. Specifically, I am disputing a medical debt that was charged-off and subsequently sold to another creditor, Transworld Sys Inc ( TSI ). The account number associated with this debt is # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), it's essential for credit reporting agencies like XXXX to ensure the accuracy and fairness of the information they report. However, I've discovered that TSI is inaccurately reporting a charged-off medical debt on my credit report.

Furthermore, as outlined in 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that it would create the false belief in a consumer that someone other than the creditor is involved in the collection of the debt. Despite this, TSI 's actions suggest otherwise, leading to confusion and potential misinterpretation of the debt collection process. 

Additionally, TSI failed to provide me with an opt-out form, as required by 15 U.S. Code 6802. This omission deprived me of the opportunity to exercise my right to opt out of the information reporting on my credit report, further exacerbating the issue. 

Moreover, the Privacy Act of 1974 explicitly prohibits the sharing of patient information with collection agencies or any third party without proper authorization. TSI 's disregard for this law has not only compromised my privacy but also infringed upon my rights as a consumer. 

The presence of this medical collection on my credit report has had detrimental effects on my ability to engage in financial transactions, including obtaining mortgages and extensions of credit. It has caused immense stress and difficulty for both me and my family, hindering our ability to operate fairly in commerce. 

In light of these violations and the resulting impact on my financial well-being, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in TSI 's reporting. I also urge TSI to comply with all relevant laws and regulations to ensure fair and accurate credit reporting practices are upheld. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and ensure a fair resolution. 

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

According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.
Product: Debt collection

Attempted to make payment arrangements and now I am been written by a Debt Collector ( FMA Alliance , Ltd File # XXXX ) ) adding interest to a debt that they have alleged they bought. I am asking FMA Alliance Ltd. to provide me with a written agreement they sign with XXXX XXXX  instructing them to contact me for the debt, and payment history of the account, address of the original owner of the debt.I want to believed that the amount on their collection letter is inaccurate and crossly misrepresented. 
Thanks, Concern Customer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/year> SS # : XXXX XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report.

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX Current Reported Balance : {$9900.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories.

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements.

Thank you in advance for your attention and help in resolving this complaint. 

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

Inquiries on my consumer report that were not authorized by me this is a violation of my rights according to 15 USC 1681b, Please delete these inquiries that i did not approve or give these companies permission
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> I was charged {$12.00} each month for a subscription service from Sezzle. I didnt not agree nor sign up for this service. Moreover after contacting the company they sent me an email cancelling my subscription. I contacted my bank XXXX XXXX about placing a stop payment on all current and future debits from Sezzle. The order # XXXX in question is what started my inquiry into my account being debited without my consent, authorization, nor knowledge. XXXX from XXXX is the one sending me emails detailing my complaint. Ive removed my debit cards and placed a fraud alert on my account to prevent any other issues dealing with Sezzle. Please investigate this company to correct any fiduciary misconduct. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Product: Debt collection

I mailed them a letter requesting debt validation on XX/XX/year>, but they did not respond properly. 
On XX/XX/year>, I then sent a Qualified Written Request for full accounting, and they did not respond within the 30 days allowed by RESPA or the 14 allowed by UCC 9-210.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX LVNV FUNDING added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. LVNV FUNDING did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax on numerous occasions to fix the error of incorrect account being reported on my credit report. Equifax was unresponsive, and unwilling to help me resolve my issue with them. There was an investigation conducted by XXXX and the account was found to be incorrect and deleted. Equifax has yet to delete the incorrect information they are reporting. Not only that but this incorrect information was actually reinserted into my credit report after Equifax once removed it. It is strange that Equifax is unwilling to remove this incorrect account, especially when it is their fault that I am in this situation, I was a victim of their data breach and was a victim of identity theft due to their negligence and now they are refusing to correct their mistake. I am including a copy of the deleted account from a letter from XXXX showing that the account is incorrectly reporting and has been deleted and Equifax must also delete the incorrect account from my credit report immediately. 
I am also including a copy of the incorrect account from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information on my credit reports. I have already filed a report with identitytheft.gov in regard to this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Transunion 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 XXXX ( Bank ) XX/XX/year> I do not recognize the aforementioned hard inquiry as reported. The aforementioned hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiry are the result of identity theft and fraud.
Product: Debt collection

I HAVE HAD GREATER FINANCIAL GROUP/ MS. XXXX, CALLING ME AS WELL AS FRIENDS, FAMILY AND MY EMPLOYER GIVING PERSONAL INFORMATION AND DEMANDING A CALL. I PHONED HER AND SHE MADE NUMEROUS THREATS TO " EXPOSE ME '' TO ALL WHO KNOW ME AFTER RAMBLING OFF MY CREDIT REPORT. SHE DEMANDED ALMOST {$5000.00} FROM ME FOR A DEBT THAT IS NOT MINE. SHE REFUSED ME ANY INFORMATION ON THE DEBT STATING THAT " YOU 'VE FILED BANKRUPTCY IN THE PAST SO YOU 'RE TOAST '' AND SAYING SHE WAS GOING TO " WIPE THE FLOOR WITH YOU '' WHEN I CONTINUED TO ASK QUESTIONS. I CAN NOT CONTACT THIS COMPANY BY MAIL AS SHE REFUSES TO GIVE ME THEIR INFO AND I CAN NOT FIND ANY INFO ON THEM.
Product: Credit reporting

My student loans were rehabilitated in XXXX through the XXXX. As such the defaulted status on all student loans/tradelines on credit report must be removed. Moreover, after most of my student loans were updated I noticed XXXX from XXXX that was still reporting as defaulted and showed incorrect information regarding prior late payments. My loans did not mature for payment until XXXX as such I was in a forebearance/hardship deferment from XXXX through XXXX and another in XXXX until I was denied. I did fall behind in XXXX but only because I was denied a hardship even thought XXXX would not work with me. I was working for the XXXX as a single mother with not a lot of income. However, I found another job making more money and started my rehabilitation. As such my loans are in good standing. I would like my credit report to reflect accurate information I worked really hard to get back on track and I deserve my credit to reflect the same. I have sent several letters to both XXXX and the credit bureaus with no help from either but rude individuals. I have all supporting documents to show that XXXX is still reporting defaulted, reporting incorrect late payments, I have all of my forebearance information. After disputing with them, they sent me loan information which I attached indicating I was 0 days delinquent and paid yet reporting differently to credit bureaus. I sent the same to credit bureaus and they still validate the information being reported? I have attached the most recent letters but I have been disputing the same for months and had an Omnibudsman involved named XXXX XXXX with the U.S. Department of Education, who I never heard from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding 30- and 60-day derogatory marks that appear on my three credit bureaus reported by Macys DSNB XXXX and XX/XX/2020. 
I dispute these and demand a full removal of each 30- and 60-day late mark based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. 
Prior to the missed payments, I attempted to contact Macys regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX & XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Solutions ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy.

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( Chapter 7 included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.