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

Dear Sir/Madam, I am writing to inform you of a matter that has been causing me significant concern recently. On XX/XX/XXXX, I became aware of an account on my credit report that I believe is the result of identity theft. As a victim of identity theft since XXXX of XXXX, I have been dealing with the repercussions of my stolen SSN, driver 's license in XXXX and GA, DOB, as well as my addresses and companies I've worked for being used to create fraudulent accounts. 

While I have taken several steps to address this issue, including contacting the appropriate authorities and filing reports, I have encountered some difficulties in resolving this matter with XXXX XXXX. Despite providing the company with an ITC report, they have refused to remove the information, which has only added to my frustration and sense of victimization. 

I have successfully had the information removed from other companies, including XXXX XXXX, and I am hopeful that XXXX XXXX will also take appropriate action. I would appreciate your assistance in this matter and would be happy to provide any additional information that may be required. 

Thank you for your attention to this matter. 

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

I disputed inaccurate information being reported on my credit reports with experian, XXXX XXXX, and XXXX. I sent them various letters instructing them to remove all incorrect names, addresses, and phone numbers and they have yet to do so. Another I disputed as well is incorrect information on all of the accounts reporting such as the date last active and date last reported not matching up, also I sent letters to verify accounts which they have yet to do. Some of the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also inquiries on my report that are non account holding I disputed that I did not put on there my self
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the debt that has been reported to my credit report by XXXX XXXXXXXX XXXX XXXX I believe that this debt is not valid, and I am requesting its immediate removal from my credit report. 

The details of my dispute are as follows : Creditor : XXXX XXXX XXXX Account Number : [ XXXX ] Amount : {$XXXXXXXX} I assert the following : No Agreement : I have never consented to or signed any agreement with XXXX  XXXX XXXX. 
No Documentation Provided : I have never sent any of my personal documentation to XXXX XXXX XXXX. 
No Liability : I am not liable for the debt of {$XXXX} as claimed by XXXX XXXXXXXX XXXX. 
Given these points, I request the immediate deletion of this account from my credit report. Additionally, I would like an investigation into this matter to be conducted promptly, and I request that I be informed of the findings.
Product: Credit reporting or other personal consumer reports

In XXXX I realize that this company XXXX XXXX XXXX XXXX makes a collection account in my credit history, I realized because at that time I suffered from identity theft and I went to the police and made a police report not only of this account but of withdrawal from my bank accounts, I made the dispute with the credit companies and it was eliminated, so true that the following year I bought my XXXX car without any inconvenience, in XXXX XXXX XXXX XXXX says that it bought this account again and it appears again in my XXXX credit history, I send a new dispute again and my dispute in less than a month was resolved and this account is removed from my credit history again, a month ago XXXX XXXX XXXX reports the account in XXXX and Equifax as a new account after being deleted. I contact them and they tell me they want a new police report. I go to the police station and they tell me I can't file a complaint about something that was already reported a year ago. A week ago, XXXX deleted my account for XXXX  days and then put it back on. I think it's a joke and they're playing with the time of a person who is under a home purchase contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

i mailed in several letters to XXXX and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute information currently being reported on my credit report by Experian. After reviewing my credit report, I have identified discrepancies with the following accounts : Account 1 : XXXX XXXX  Reason for Dispute : I do not recognize this account, and it is not mine. 

Account 2 : XXXX XXXX XXXX  Reason for Dispute : I do not recognize this account, and it is not mine. 

Account 3 : XXXX XXXX XXXX Reason for Dispute : The balance reported is inaccurate. The account has been paid off, but this is not reflected on my credit report. 

Account 4 : XXXX XXXX XXXX Reason for Dispute : The balance reported is inaccurate. The account has been paid off, but this is not reflected on my credit report. 

Reason for Dispute : The information being reported on these accounts is unauthorized, fraudulent, and/or inaccurate. The accounts in question do not belong to me, or the reported balances are incorrect and do not reflect payments made. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate and complete. 

Requested Resolution : I am requesting that these accounts be either removed or corrected immediately. As per the FCRA, you are required to investigate and resolve any inaccuracies or fraudulent information within 30 days. 

Additionally, I would like to highlight previous cases where Experian, XXXXquifax, and TransUnion have been sued for similar violations of the FCRA. For example, Smith v. Experian is a case involving the inaccurate reporting of accounts and violations of the FCRA, where the court ruled in favor of the plaintiff due to these violations. In similar cases, such as Jones v. TransUnion and Doe v. Equifax, plaintiffs were awarded damages due to the failure of credit bureaus to correct inaccurate and unauthorized information in a timely manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TransUnion has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions 15USC 1663 : A creditor may not treat payment on a credit card under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XX/XX/XXXX Account Number : XXXX Account name : XX/XX/XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much XXXX
Product: Mortgage

My mortgage was sold by XXXX XXXX and Select Portfolio Servicing had my loan. From before they had my loan they assessed a late charge in XX/XX/XXXX. Not only did I not pay late but they did not get my loan until XX/XX/XXXX. According to XXXX XXXX 's own loan information my payment was received on the XX/XX/XXXX. And like I said I paid XXXX XXXX as I was supposed to until XX/XX/XXXX. I had to call and have the late fee removed but my question is, why was one assessed on a loan they did not even have yet? Also over thirty thousand dollars was added to my mortgage balance and would appear and disappear throughout the 6 months they had my loan. No one could explain this 34,000.00 dollar plus amount that was added. I was so disturbed about it I started looking to refi my loan. In XX/XX/XXXX yet another set of late fees were charged, when even their own paper work shows my payment was paid on time. I am including copies of bank statements showing that all of the payments cleared my bank on or before the XX/XX/XXXX which was all on time. Payments were not late until the XX/XX/XXXX. This company is so scary. They not only assess late charges on payments that are n't late but added over thirty four thousand dollars to my loan on a whim! I have since refied, paying thousands of dollars and raising my payments XXXX per month just to get away from them. This company should not be allowed to conduct business anymore. If you XXXX the name of this company you will see hundreds and hundreds of complaints. Rated a 1star on many sites.
Product: Prepaid card

I have a {$50.00} AmEx gift card and I tried to purchase stuff on XXXX and other retailers earlier this month and no matter what I did this AmEx gift card would not work. I tried an XXXXXXXX XXXX XXXX XXXX and individual purchases, and nothing worked. 

The irony is that it let these retailers place XXXX cent holds on the card which lowered the available balance only for the purchase to be declined. Then as I tried each purchase multiple times and on other retailers it still took XXXX cent hold multiple times that lowered my balance a few dollars and it did this for several days until the hold was taken off. 

I then searched places like XXXX and AmEx 's own website who said that they block some online retailers including XXXX do this to cut down on fraud. Thats great, but because of some bad actors you punish the rest of the AmEx gift card recipients by being unable to use this card how most people shop in 2024 ( online ) and on the biggest retailer to shop online ( XXXX ). 

This is the particular reddit post I found : XXXX XXXX XXXX Most physical and online retailers also place a hold or authorization on the gift card further removing the total balance available on the card. This makes it so once you purchase something you will not be able to use the entire balance of the card leaving it with some funds that AmEx knows will never be able to be fully used but sure enough whoever purchased the gift card or got credit card rewards to give this card as a gift had to pay the entire value of the card. 

A reddit thread is what directed me to use the CFPB and that AmEx issued a check for the total amount that was on the card so that it could actually be used by the consumer and for the full balance on the card. 

Other gift card providers like XXXX do not have this problem and I was able to use their gift cards anywhere that XXXX was accepted. AmEx can learn from them about how to be better.
Product: Debt collection

There was a XXXX XXXX account opened in my name. I have told them the situation and they continue to hassle me about it. I have never had a credit acceptance account. Someone stole my information and obtained a vehicle under my name and I had no knowledge of them doing it and XXXX XXXX continue to collect on it and I had no knowledge of it. I understand that someone opened the account and it appears as it was me. It wasn't and I am not the person that opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion provided at least 5 however it could be more credit reports to different lenders when I was trying to receive financing for an automobile. Unfortunately, other than one item reported may be considered accurate for their purposes, otherwise I don't see any of the other information they reported on my actual credit reports that were considered key factors in me being denied for financing. XXXX  provided much of the same information. 

I'm going to be sending screenshots and photos of the denial letters to prove my point. 

Some are taken directly off of creditkarma.com and it's impossible to deny the inaccuracy of said credit reports. I will number the key factors and explain in my own words why they are not accurate. 

1. Serious delinquency. I'm not delinquent or behind on a single payment or account, exactly what are you referring to? 

2. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. It's a catch-22 situation that even XXXX has on their own website and of course banks. They want you to use their credit cards and offer you additional cards, yet they don't want you to carry a high balance. It's manipulation at it's finest only to be punished by the reporting banks and credit reporting agencies. 

3. Time since delinquency is too recent or unknown. Again, what delinquency? Look at my credit report, I don't have a single account that is delinquent. 

4. Number of accounts with delinquency. This is getting redundant, yet again, what delinquency? And you should not be able to use the same reason or a version of it 3 times on the same report. 

5. Inquires did impact the credit score but no derogatory information was found. That statement alone is asinine. It impacted my ability to receive financing which means it impacted my credit, maybe not my score, even though there was no derogatory information so in reality it shouldn't affect it at all. To many hard hits, it without question affects your credit. Your utilizing an oxymoron to describe the situation. 

6. Too Few Accounts Currently Paid As Agreed. What accounts? Every account is up to date or paid on time. 

7. Level of Delinquency on Accounts. What accounts? 

8. Lack of sufficient relevant real estate account information? Financing was for an automobile, real estate is not relevant 9. The date that you opened your oldest account is too recent. My oldest account is over a year old if not 2. 

10. Number of inquiries my have also adversely impacted the score. See number 5.
Product: Credit reporting or other personal consumer reports

I am writing to dispute Inaccurate Credit Reporting for XXXX Account # XXXX I called this company, and they were not able to find an account for me. I informed all 3 credit reporting companies, and they still reported the incorrect information. 
So, I am now seeking your help to request an investigation into the reporting of account # XXXX on my credit reports, I have attached copies of my credit reports from TransUnion XXXX XXXX , and XXXX for your reference, which demonstrate inconsistencies in the reporting of this account as well. This account is not mine and should be deleted from my credit file. I did not sign any contracts with XXXX and I do not owe them any money. 

In addition they are reporting discrepancies with is an FCRA violation which include the following : Account Type : The account is reported as an " Installment '' type account. However, it is reported as an " Educational '' account on TransUnion and XXXX. This is incorrect and misrepresents the nature of the account. 

Account Status : The account status is reported as " Derogatory '' on TransUnion and XXXX 's reports, while XXXX reports it as " Paid. '' Date Opened : The date the account was opened is reported as XX/XX/XXXX, on TransUnion 's report and XX/XX/XXXX, on XXXX 's and XXXX 's reports. 

No. of Months ( Terms ) : TransUnion and XXXX report 360 months ( 30 years ) for the terms, which is accurate. XXXX, however, reports " XXXX, '' Last Reported : There are variations in the last reported dates, with TransUnion reporting XX/XX/XXXX, XXXX reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX. 

Date Last Active : The date last active is reported as XX/XX/XXXX, on TransUnion 's report, XX/XX/XXXX, on XXXX 's report, and XX/XX/XXXX, on XXXX 's report. 

Date of Last Payment : XXXX reports the date of the last payment as XX/XX/XXXX, while TransUnion and XXXX do not provide this information. 

I am formally disputing these discrepancies and requesting a thorough investigation into the accuracy of the reporting for account # XXXX. 

Please conduct a comprehensive investigation into these discrepancies and provide me with the results of the investigation. This account needs to be deleted from my credit file. Please request documentation and show me proof ( a signed contract with my signature. ) I understand that, according to the Fair Credit Reporting Act ( FCRA ), they have 30 days to investigate and respond to this dispute. 

I look forward to a prompt resolution of this matter and the correction of my credit reports. 

Please send me written confirmation of the actions taken as a result of this dispute. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three bureaus copies of my report filing from where someone stole my personal information and obtained credit in my name without my knowledge. To date the bureaus have not removed these items as clearly required by law according to my attorney. They have also not provided details of how they claim to verify these items even though we have requested these details several times now. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Fair Credit Act 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 

These are the accounts in question : XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Notice to agent is notice to principal ; notice to principal is notice to agent. 
On XX/XX/2024, you received my dispute regarding some transactions and late payments that you and XXXX XXXX reported on my consumer report. Upon making this dispute under FCRA regulations, I received a response from Equifax stating that the account was verified. 
I do not understand why they responded with verified since I did not request verification of anything. The law clearly states that : ( XXXX ) Exclusions- Except as provided in paragraph ( XXXX ), the term consumer report does not include : ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 
How can you validate a dispute regarding information that is excluded from the consumer report? The law states that transactions are not part of my consumer report. So how can you validate a late payment? 
In addition, we should review 15 USC 1666B : ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account, under an open-end consumer credit plan, as late under any circumstances 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 sent or delivered to the consumer no later than 21 days before the payment is due.

I am requesting all information pursuant to 1002 at 15 USC 1666B and the procedure that was used to authenticate the accuracy of the late payments. What reasonable procedure was implemented to ensure that each statement, including the information required by Section 1637B, was sent or delivered to the consumer no later than 21 days prior to the payment due date?

The only way to validate a late payment is to ensure that, under 15 USC 1666B, the requirements of Metro2 and FCRA were met, in addition to the specifications of 15 USC 1666B. This process must be certified by an information accuracy agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has led to an unfamiliar and inaccurate account appearing.