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

Subject : Urgent Request for Immediate Removal of Fraudulent Addresses and Accounts To Whom It May Concern, I am contacting you to formally dispute inaccurate and fraudulent information appearing on my credit reports from XXXX, Experian, and XXXX. I have identified several addresses and two accounts that are not mine and were fraudulently reported. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to correct these errors. 

True Address ( The Only Accurate Address ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included a copy of my government-issued ID, utility bill, and FTC Identity Theft Report XXXX # XXXX ) to verify my identity and support my claim. Under the provisions of the FCRA, including but not limited to 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ), credit bureaus are required to remove or block disputed fraudulent information once sufficient evidence is provided. I have met these requirements and expect you to fully comply.

Failure to correct this information in a timely manner may result in further legal action. I trust that you will treat this matter with the seriousness it deserves and resolve it within four business days. Please confirm in writing once these inaccurate addresses and accounts have been permanently removed from my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Got a call from XXXX, a 3rd party company called Rent Collect Global for around {$98.00} owed to an apartment complex called XXXX XXXX  XXXX XXXX owned by XXXX XXXX. The woman on the line got very aggressive with her tone and words as soon as I questioned the legitimacy of the call and company, and stated that I would contact the apartment complex directly to verify. She said she could give me my social security number over the phone to verify the legitimacy, which I told her that was something that could be obtained through hacking and it was not sufficient for me. To which she started rattling off my personal identifying information, like where I worked, and I said I would still contact the apartment complex directly. She told me they couldnt do anything and that if I didnt pay on the phone right then it was refusal to pay and would be on my credit. I then told her to have a good day and ended the call. I contacted my old apartment complex directly to which they did say the company was and did not give me information on how to pay. I never received a bill in the mail as I forgot to provide a forwarding address, but the apartment complex did have my email address and phone number on file and had they contacted me I would have paid or given them my new address to mail it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my ongoing efforts to correct inaccurate personal information with the credit bureaus, which has significantly hindered my ability to verify my identity for important purposes, such as applying for XXXXXXXX XXXX Details of my complaint are as follows : I have contacted the credit bureaus on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the correction of my personal information to the following : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : [ Correct Phone Number ending in XXXX ] Social Security Number : [ Correct SSN ending in # XXXX ] Employers : Requesting removal of employer information Despite allowing more than enough time for updates and providing all necessary documentation, I have received only auto-generated responses stating that my identity can not be verified. This ongoing issue has significantly hindered my ability to pursue disability benefits, as the accuracy of my personal information can not be verified due to the credit bureaus failure to update their records accordingly. I can provide documentation showing that I have requested an update, if necessary, as well as supporting documentation to verify my correct personal information. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that the credit bureaus accurately reflect my personal information in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

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 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 

This is the final and last time I am notifying you of excluded transactions and history being illicitly reported to my consumer report. I have also reviewed my agreement with " XXXX XXXX '' and I am enforcing my right to OPT- OUT as explained in FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( b ) OPT-OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I have notified you of the FCRA laws in a previous letter, but these laws have been recklessly ignored and violated. I will dispute XXXX XXXX and any consumer reporting agency that violates these laws in court if they are violated again as said in the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
My history with XXXX XXXX, must be removed from my consumer report immediately in Pursuant to the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ).

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

The laws states, the consumer report does not contain " Late payment or late payment history. Any more reporting of information based solely on transactions or expenses will need to be settled in court for remedy. After updating my Consumer Report please provide me with an updated report reflecting the removal of this account as it is illegal by the FCRA and once again I am enforcing my OPT-OUT. I am not requesting for Validation or Verification.

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Debt collection

A loan account by Advance Financial has either been fraudulently opened and inaccurately reported on my credit report. I have never had a loan or even opened an account with Advance Financial. The collection is for the amount of {$420.00} and is being reported by a debt collection agency called XXXX XXXX XXXX. I have no knowledge of this account and need it removed from all three credit bureaus. This fraudulently opened/reported account is negatively and unfairly effecting my credit score.
Product: Credit card

I came across an offer for Capital One 's XXXX Rewards Credits, and its terms were simple : {$0.00} annual fee ; 0 % Balance Transfer & Purchase intro APR for 9 months ; 1.5 % cashback on all purchases ; and a one time {$100.00} cash bonus after spending {$500.00} on purchases within 3 months of approval. These all sounded appealing, so I applied and was approved for a card. However, after purchasing a laptop, I called in to claim my {$100.00} cash bonus and was informed that I actually was n't eligible. Why? This is how the call went : Capital One : " Because that promotion is for a different card. '' XXXX : " I 'm looking at the promotion on your website, and it 's the card I applied for. '' *after a hold* XXXX : " That promotion is for a VISA card, but I can give you {$10.00}. '' XXXX : " I 'd like to speak to a supervisor. '' *after a not-so-brief hold* XXXX : " You are ineligible because you 've previously claimed a bonus reward on another Capital One card. '' XXXX : " No, I have n't. This is my first rewards card. '' XXXX : " It 's actually because we sometimes do n't extend the offer to already existing Capital One account holders. '' XXXX : " Sometimes? Is there set criteria that I can check my application against? '' XXXX : '' I do n't know. '' This is just awful business. They have a promotion for a card where XXXX of the most enticing parts of the promotion is n't even something I can take advantage of. There 's not a single word about ineligibility in the promotion, which is misleading. I received a hard inquiry when I applied, and at the time I thought it was worth it. But after the shady nature of my experience with this card, I regret applying in the first place. I had also factored the {$100.00} into my laptop purchase, so not getting that impacted me to some degree financially. What 's more infuriating and disappointing is the blatant shadiness of the promotion, coupled with the " too bad '' vibes I got from the supervisor. 
This is to say nothing of the surprise annual fee I was informed of *after* getting approved. The promotion plainly states, " {$0.00} annual fee, '' but apparently it 's based on credit worthiness, which is fine as long as they 're up front about it. Honesty and upfrontness, however, does n't seem to be Capital One 's strong suit.
Product: Debt collection

I was charged XXXX dollars on XX/XX/22 from XXXX XXXX. This payment did not belong to me, I called my bank and canceled it. On XX/XX/XXXX, I received information about the claim from my bank. They sent me that I signed a contract with the bank. Between the time they mentioned, I signed a contract or something. I already had an insurance with XXXX XXXX and it still continues. There are police details that contain fake information that does not belong to me. It's randomly prepared, like I'm in love with someone I don't know in policy. They have double insurance. I get calls about 10 times a day. And I got mail from debt collector. I don't know what to do, I am an international student. I don't want to pay.
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX XXXX XXXX XXXX XXXX and PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be since i never did nothing wrong with my 14 years old account. i have not been able to get help from them for weeks but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to PayPal is XXXX XXXX
Product: Debt collection

Never received any documentation or original requested signed documents that I owe. Reporting inaccurate and fraudulent amount. Account shows open, never was notified before reporting. Account just showed up on my report with no notice.
Product: Mortgage

I became a victim from XXXX/broker " s name [ XXXX XXXX ] whom was attempting to bring his legal secretary to my front door and said that he wanted to close home refinance loan since I was already cancelled this loan. He force me by said : XXXX you will pay same amount $ XXXX/month for 5 years or 60 months and I did not have time to review all documents. Based on good faith he was indicated with an interest rate 1.250 % 2. Then he sold this account to second XXXX XXXX XXXX on XXXX/XXXX/2007 after he took over {$7.00} thousands dollars on closing cost more than it was indicated on GF copy. 3. Then second XXXX XXXX XXXX Servicing re-sold my account to Aurora Loan Services on XX/XX/XXXX with original loan {$240.00} to become principal balance= {$240.00} after six month payment that I paid toward the end of 5 years aka 60 months and remained 54 more months to complete my terms. 
Note : I had planned to refinance to fix rate before my term up. 
Suddently Aurora Loan Services was illegally jumped my monthly mortgage payment from {$790.00} to {$2600.00} right after three [ 3 ] years as well as changed my interest rate without my knowledge. Since I was paid and owned this property since XX/XX/XXXX and never missed any payment from bank to bank when numbers of banks tried to merge together. 
I am work hard for my family to raise my children alone, I used to work XXXX jobs to maintain my life. For more detail including their addresses I will submit when requested. 
Please assist me to go through this upside down mortgage principal was created by Aurora Loan Services.
Product: Student loan

For the last year my wife and I have made consistent payments on my student loan via direct payment from our bank account. Every month Navient has returned the payments back to our account without any explanation. When I have called, the agents state there is no record of the payments being made and that I am delinquent on the account. I am currently being reported as 90+ days past due. I have called and written the company providing the requested bank account information proving the payments and returns. I have provided and have never received a response to my complaint or concerns. I am turning to you for your assistance and providing the same information I have provided via the Navient website and USPS.
Product: Credit reporting or other personal consumer reports

I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the university XXXX XXXX I know a thing or XXXX about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, Transunion, and XXXX XXXX regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at XXXX XXXX. XXXX XXXX informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and Transunion accounts. On XX/XX/XXXX, XXXX removed the two fraudulent XXXX XXXX hard inquiries from my credit report. However, Transunion didn't. I've reached out to TransUnion to have them remove them ; however, they claim that they can until XXXX XXXX reaches out to them. But when I reach out to XXXX XXXX, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. XXXX 's claims are entirely false ; you can confirm with Transunion that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my TransUnion to be removed. I can provide proof of my credit report clearly showing one hard inquiry from XXXX on XXXX and 3 from Transunion. 



In the attached document, you will see clear proof that there is one hard inquiry from XXXX, which is correct in my experience. Followed by three inquiries on my TransUnion, which is incorrect, and two of them should be removed, the two being XX/XX/XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXX verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. NONE OF THE BUREAUS IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. Only 1 bureau is showing the ''Account status '' as open and the other 2are saying that this account is closed. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$310.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX