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

Today, I am lodging a complaint with you to report that I have fallen victim to identity theft. Upon researching how to address the fraudulent accounts on my credit report, I discovered the necessity of contacting the Federal Trade Commission ( FTC ) at https : //www.ftc.gov or visiting the FTC directly to file a report. According to the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove or block any accounts listed in an identity theft report. 

Attached, please find the necessary documentation to facilitate the blocking of inaccurate information currently affecting my report. Enclosed is a list of accounts/items that are not associated with me or were opened without my consent. 

As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to block any information in a consumer 's file identified by the consumer as resulting from alleged identity theft within four business days of receipt. 

XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX and XXXX  XXXX Account Number XXXX.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the dates, account ( s ) and account number ( s ) .This request has been denied and I would like these inaccurate information to be removed. 



IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN TRANSUNION AND XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX  XXXX XXXX  IN TRANSUNION AND XXXX ONLY XXXX I would also like these inaccurate information to be updated . 



IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN TRANSUNION AND XXXX XXXX XXXX XXXX XXXX NC XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY XXXX XXXX XXXX XXXX
Product: Credit card

I was sent a bill in the mail in XXXX for this account. This was the first time I was made aware of this account. I called in XXXX to report and close the account with the bank, then called XXXX to open an investigation as well. 

I called the bank for months asking about the status of the investigation and was just told on XX/XX/XXXX that the investigation was closed and I was found responsible. They said that ID was presented at the time of purchase and that the purchases were made XXXX minutes away from my address. 

On XX/XX/XXXX, I called XXXX to re-open the investigation. 

I have been dealing with identity theft for months. I have received bills in the mail for multiple accounts I have not had any knowledge of including XXXX and XXXX. I have had credit inquiries from XXXX, XXXX XXXX XXXX, and XXXX XXXX. And, I had a XXXX XXXX credit card started in my name that I was able to get removed. 

This card is also the result of identity theft.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition does not update the status of the dispute results. I have disputed collection accounts that results in closed but Transunion does not update them to reflect the change. They also keep reporting closed collections as open even after my disputes and documents sent back to them showing their investigation states collection accounts should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Capital One Credit Cards and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the 3 accounts they are reporting with them. I've sent 2 different letters via the USPS Certified Mail and all were signed off on at Capital One on XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from Capital One 's communication to me in response to receiving these letters. However, Capital One has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( past the 30 days of my dispute letter received by Capital One on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at Capital One on XX/XX/2021 and XX/XX/2021 ) and today XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at Capital One on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to Capital One, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by Capital One not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the XXXX and the Office of the Attorney General. Thank You for your attention to this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FairCredit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove XXXX XXXXXXXX ACCOUNT BALANCE {$750.00} XXXX XXXX XXXX Account balance {$300.00} XXXX  XXXX XXXX Account balance {$500.00} US DEPT. OF EDUCATION Account balance {$1100.00} US DEPT. OF EDUCATION Account balance {$720.00}
Product: Mortgage

Since XXXX XXXX 2021, I have made multiple attempts to get Loan Depot to drop my PMI due to my home appreciation in value. On XX/XX/XXXX I sent in an official email requesting my PMI removal, the PMI responded back on XX/XX/XXXX with a denial letter asking me to provide more information. I have done so, I have sent in detailed info about all my major remodeling, all the major structural changes with reciepts and images. It's been 2 month I sent multiple emails asked for managers to call me back and Loan Depot has yet to call back or provide any support.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion violated the law when they allowed information about my private business to be report to my consumer report. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Consumer Disputes Center and XXXX are incorrectly reporting an account that doesn't belong to me. The account is not mine. I have reached out the past 90 days to the Bureaus with no response. I am currently preparing myself to file a law suit. I have been a victim of Identity Theft in the past. I provided a certified and signed letter of dispute that was accompanied with police report. Account Name : XXXX XXXX Account number : XXXX Account balance as reported by the bureaus {$900.00}. Under the Fair Credit Reporting Act the Credit Bureaus were to respond to my dispute within 4 Business Days of receipt. They failed to do so. This account needs to be REMOVED and DELETED from my credit. It is ERRONEOUS and truly has hurt my credit worthiness. The Bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Under the FCRA section 609, I asked to be provided the ORIGINAL CONTRACT on File with said Creditor and the Bureaus failed to provide me with it. Thank you for your prompt response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and XXXX XXXX refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. XXXX then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX Experian and XXXX to no avail. My attorney went back and forth with XXXX for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in bankruptcy.
Product: Debt collection

I have have contacted this company to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. They are listing the items in question to credit bureaus from : XXXX This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit. I have never gone into a signed agreement or contract with this company and do not owe them for any debt. 

Additionally I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided this company, the credit bureaus or the banks/companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I am requesting that they discontinue reporting and remove/delete all negative information that they have reported/are reporting to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name and/or social security number. I'm also requesting that they stop all phone calls, texts, email, direct mail, social media direct messages, stop sending individuals to to my home and/or work to serve lawsuits and/or collect debt. I would like all forms of threats, and communication to stop immediately. 

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

I noticed on my credit report there are unauthorized inquiries Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

PayPal Mastercard by Synchrony Bank I have n't had this card long at all, however every single time I make a payment my payment is not showing in my available credit and every single time I have to contact this issuer and ask WHY? They continuously tell me they are 'waiting for confirmation ' - yet do n't tell me what that means. For example, last week I made a {$200.00} payment, it was taken out of my personal bank account 24 hours later, yet 48 hours later from that it is still not reflected on my account. I contacted them yet again, they tell me to 'wait ' another 48 hours 'to see if it is confirmed. WHAT IS THIS BOGUS XXXX???? Taking my money then waiting a week + to actually post it. THIS IS WRONG.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

On XXXX stmt. there was a late fee of XXXX. I made my minimum pmt and would look into this later. XXXX statement there was another late fee of XXXX. I called to dispute them and a supervisor agreed to issue me a credit. however the credit would go to the balance on the account not the minimum payment section where these charges are put. When i questioned him about this he said this is the way their computers are set up so if i did not pay the minimum amount this would continue to happen. I now owe them XXXX in later fees. But i continue to pay them my regular payment.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Vehicle loan or lease

I bought a semi truck through XXXX XXXX XXXX XXXX, also afflicted with Cresco Capital , Inc.

My hiring process with this vehicle took longer than expected. I was already 4 weeks waiting before actually leasing on with my company 's authority ( DOT ). I will leave their name out of it for any confusion. 

My first trip I needed repair, and my first payment was due in XXXX weeks. I knew I would not be paid enough on time but I covered my first payment which was 45 days after pickup. 

I called in, they stated using the extra payment form is not specified towards the monthly portion, however, calling in she could partition the funds to do so. 

Coming XX/XX/XXXX they still tried to charge me the first payment amount. They were able to reverse it after I followed up asking them if everything was alright and why this happened. 

Simultaneously, I'd spoken to customer service to switch my payment account to my new business checking. However, upon opening I had to buy checks and have not been home to pickup them up. Due to the nature of my work I am not able to. 

After mentioning wanting to switch accounts a woman named XXXX, without posting her last name, has emailed me XXXX times to date and I'd already received XXXX emails before this one. After the XX/XX/XXXX payment she followed up mentioning the missed payment. 

I'd already told her XXXX to XXXX times that I have not been home yet and will be in touch when I am able to do so but she continues to harass me on a weekly basis. I am on my way home at this time, and should be able to update. 

Here is her email mentioning the missed payment.

" Good morning, I am following up with you regarding the ACH information we spoke about last week. I am needing this information as it looks like we have just had a payment return from the account we have on file. Please get this back to me as soon as possible. If you have any questions, please feel free to reach back out to me. '' Other fine points would be this XXXX XXXX company promising a XXXX year warranty on engine and aftertreatment from XXXX. I have a XXXX XXXX XXXX  with an XXXX engine. When my fuel pump went out it wasn't covered under warranty and the dealer said no warranty even appeared in the system under that VIN number. 

I was at the XXXX XXXX, OR dealership. 
My VIN is XXXX. 

Thank you, XXXX XXXX