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

I am writing to bring to your attention a critical matter that requires immediate action. I have recently discovered that I have been a victim of identity theft, where several accounts have been opened in my name without my consent.

As per the regulations outlined in the 15 USC 1681 c-2, I am requesting the block of information resulting from this identity theft. The unauthorized opening of accounts has not only compromised my personal information but also put me at significant risk of financial implications.

I urge you to take urgent steps to rectify this situation and prevent any further misuse of my identity. I kindly request your prompt assistance in investigating this matter and blocking any unauthorized transactions or actions associated with the fraudulent accounts opened in my name. 

I have taken the necessary steps to safeguard my personal information and have also reported this incident to the relevant authorities. However, I believe that your immediate intervention is crucial in resolving this issue and preventing any further damage. 

I am attaching relevant documentation, including copies of the fraudulent accounts and any other information that may assist in the investigation of this matter. I would appreciate it if you could acknowledge receipt of this email at your earliest convenience and provide me with an update on the actions being taken to address this identity theft case.
Product: Debt collection

Originally post on here about XXXX XXXX about a bill received. I got a letter from XXXX XXXX and agreed to work with Bonneville collection after receiving a notice that my account was overlooked in error. I called Bonneville to make payments on auto-pay until debt was paid off. I now have a collection showing on my credit and payment as well as card is on file with Bonneville. Want this removed and someone from their department to reach out to resolve this.
Product: Credit card

The credit card company of Navy Federal on XX/XX/XXXX is when my statement ended, my balance was XXXX on XX/XX/XXXX I made A purchase for XXXX that same day I made A payment for the same amount I made The purchase for using a transfer from my savings account of XXXX, instead of the current balance reflecting my payment and posting the same day made since all transactions were from my NF accounts, they waited to post the purchase AFTER I made The payment making my current balance higher than my actual purchase payment which should be less. So they still are charging me for the same amount I made The purchase for of XXXX Please rectify this company is stealing monies from consumers, the supervisor XXXX I spoke To today XX/XX/XXXX states that my balance zero out, when it should have been less due owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Product: Debt collection

Transworld Systems Inc. has collection on my credit from XXXX XXXX Which I never have used. My father had them when he died. I think. I moved into his house a year after he died. So they think Im him. Even though I already explained this to them. They should check social security numbers and or middle names. They only put this on my credit after I looked at their services like 4 years after my father died.
Product: Checking or savings account

Constantly overcharged fees for ATM withdrawal from a Wells Fargo ATM even though I was at Wells Fargo customer an account holder
Product: Debt collection

On XX/XX/21 and XX/XX/21 I send debt validation letters to Penn Credit Corporation and XXXX to validate the debt of {$200.00} they are saying that I owe. As of today no bills or any other documentation has been to sent to me as a form of validation. The claims were supposedly investigated. I asked for proof and nine has been sent. I has not received any Medical service from the original company they are saying that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm Bank is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by State Farm Bank. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
Product: Credit reporting or other personal consumer reports

15 USC 1681b 15 USC 1681a ( 4 ) Credit Bureau violated my right to privacy when they sought out, collected and then reported my personal information for public use without my permission or consent. I do not owe the Credit Bureaus Equifax, XXXX or XXXX anything as they are not the creditor and thus, can not report anything on my credit report without my consent or knowledge. 

This is a direct violation of my rights under United States Code and a vilation of FCRA standards.

Please delete from my records.

I have attached a letter from the United States Bankruptcy Court for the XXXX XXXX XXXX Illinois - Office of the Clerk 'validating " the following : " The Court does not report directly to credit bureaus. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit has refused to unfreeze my credit causing harm. XXXX XXXX, XXXX   unfroze my credit in 10 minutes after finally reaching customer service they ran me through the gamut after 15 minutes XXXX comes back on the phone it tells me he cant ask me security questions to unfreeze my credit file. Unacceptable I complained earlier in the month about their service they took it to heart apparently since I could not get a customer service representative back on the phone because they never answered my call they blocked me out I went online to my Experian account they locked me out of that and told me to call their number which they never answered and hour later hour and a half later never came on the phone Im trying to get insurance coverage on my home in my car and I cant get Experian to unlock unfreeze my account this is unacceptable it is been painfully mentally and physically a bad day for a company to do that to a customer something must be done to stop this unacceptable business practices!
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX Please review I am talking about an entire company
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates areXX/XX/XXXXXXXX  more specifically XXXX XXXX, and XXXX XXXX. Its not my job to chase a collection company, its XXXX Experian, and XXXX job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX  breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must be removed.
Product: Credit card or prepaid card

on XX/XX/2022, I as the consumer notified XXXXCHASE CARDMEMBER SERVICES of a BILLING ERROR pursuant to title 12 CFR 1026.13 ( a ) ( 4 ) ( 5 ) on account # XXXX, in the amount of {$540.00}, since then the Billing Statement increase to {$640.00} as of XX/XX/2022. XXXXCHASE CARDMEMBER SERVICES never responded or investigated the Billing Error and that's a violation of 12 CFR 1026.13 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. 
ALSO, according to the CFPB-Consumer Financial Protection Bureau in regard to a Billing Statement, the amount shown is actually a CREDIT BALANCE that represents a credit in my account that the CARD ISSUER owes I THE CARD HOLDER. ALSO, according to the CFPB I as the CARD HOLDER can call my CARD ISSUER and arrange to have a CHECK sent to me in the amount of the CREDIT BALANCE. I the CARD HOLDER is requesting that the CARD ISSUER send me a check in the amount of the credit balance in accordance with the CFPB.
Product: Mortgage

I was on Forberaance for 4 months from XX/XX/XXXX to XX/XX/XXXX. I started to pay from XX/XX/XXXX. They used to tell me that after Forbearance they will reduce your interest rate and monthly payment. They chose Modification would be best for us. I did not know the FHA policy at that time. They raised the monthly payment every month. On XXXX my payment was {$2500.00} and rate was 2.875 %. Now my monthly payment is {$2700.00} and rate is XXXX. Because I still have Financial Hardship. I am using the option Covid -19 Advance Loan Modification ( must be reviewed no later XXXX XXXX. 
Covid -19 ALM is a permanent change in one or more terms of a Borrower 's Mortgage that achieves a minimum 25 percent reduction to the Borrower 's monthly Principal & Interest ( P & I ) payment that does not require Borrower contact. I am requesting 30 % reduction on my monthly payment of {$2700.00}.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXXXXXX XXXX XXXXXXXX - Civil Liability for Willful Noncompliance, XXXX XXXXXXXX XXXX XXXX - Civil Liability for Negligent Noncompliance, and XXXX XXXXXXXX XXXX XXXXXXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX XXXX. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX XXXX. XXXX ( d ) ( XXXX ). 

Accounts listed below in green color highlighted and tag as in violation under XXXX XXXX XXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, XXXX XXXX XXXX XXXXXXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX XXXXXXXX XXXX XXXXXXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Ally several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.
Product: Credit card or prepaid card

I applied Chase Preferred Sapphire last month after being told by my banker that I am pre approved. Later the card was declined. When i spoke to reconsideration department i was told that i was not pre approved. I went to bank again and the banker who applied the card on my behalf spoke to lending department and he was also told that i was not pre approved. It seems that there is some discrepancy between the system banker is using and lending department is using or there is some bug in the systems. In any case, my credit report has been damaged due to the hard pull which would have not been done in case I was not told that i was pre approved and i would not have applied for the card.This is clearly due to the issue at chase system and i have suffered due to this. The intent of this message is to escalate this issue to the appropriate department and to get the hard pull reversed as the root cause is due to problem at chase side. Banker has already placed a request for the reversal and he was told that the request for the hard pull reversal has been made. I want to make sure that the reversal is done. Please confirm to me that the hard pull has been reversed. I was told that i was pre approved in branch whereas the lending department was not able to see that i am pre approved. I went back to banker and he confirmed again that i was pre approved. There is clearly some discrepancy in the systems used by banker and lending department. This is clearly a issue with chase and i would not have applied for the card had i was not told that this is a pre approval. This is clearly a mistake at chase side and thus my hard pull needs to be reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a XXXX  in the XXXX XXXX and served XXXX tours form XX/XX/XXXX through XX/XX/XXXX, I sent a copy of my military orders to Equifax to place a military freeze on my report while I was XXXX. After serving my due time, I came home to find that there were literally 100 additional accounts on my profile that did not belong to me. I notified Equifax immediately and was informed there was a compurter " glitch '' that caused my misfortune. Unaware of any information in regards to hacking episodes, I never recieved an offical apology -- but instead was mocked for my military service and my near death experience while serving my country. This single " glitch '' or misplacement of my personal information has caused me unquenchable heartache. Because of this unequivocal amount of inaccuracies to my account, I have had XXXX XXXX remove, military terminology for XXXX, plus now Im looking at XXXX XXXX. I have been given in access of XXXX to resolve this issue, however, to my dismay, very little progress has been made. My phone calls consists of arguements and disbandments, of which has I have endured tumultuous amount of criticism in regards to my service for my country.
Product: Credit reporting or other personal consumer reports

Per the Privacy Act of XXXX, as a federally protected consumer I am now revoking any and all authorization I, the consumer, may have given OPORTUN written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. 

15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. OPORTUN did not provide me with this opportunity, nor did I give any consent for my information to be shared. OPORTUN has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties. 

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history ) between the consumer ( myself ) and the person ( OPORTUN ) making the report. IT IS UNLAWFUL TO REPORT TRANSACTION HISTORY. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( OPORTUN ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

I expect to receive a response within 30 days from the date of this letter as stipulated by federal law. Thank you for your prompt attention to this matter.
Product: Credit reporting

XXXX has stated that I owe a balance on an account. I has submitted dispute about this account and claim of inaccuracy. I had to resubmit my current address and information that verified my identity with Equifax after I sent that information in XX/XX/2016. This upset me tremendously because my information was not processed.
Product: Credit reporting or other personal consumer reports

I vehemently oppose the addition of late payments in whom I noticed on XX/XX/2024, in violation of the Fair Credit Reporting Act. This account has numerous issues, including missing and inaccurate payment information, as well as late payments that occurred after the account was already paid off and closed. Such actions not only harm my credit but also demonstrate a blatant disregard for consumer rights and fair reporting practices. Have attached supporting documents that will make my case in point.
Product: Credit card or prepaid card

Discover credit card made an unauthorized balance transfer of {$25.00}, telling me not a word about it, just writing that they had thus resolved my dispute, when I first discovered the balance transfer, for which I had never asked. I have contacted the company no less than 25 times. Their so called Office of the President insist that they had investigated everything and all is in order. The last nonsensical letter has been received today, XX/XX/2018. WHO GAVE DISCOVER MAKE ANY BALANCE TRANSFERS FOR ME  WITHOUT ASKING MY PERMISSION? They must remove that unauthorized BT from my account immediately, and fined, SEVERELY, fo this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018, I sent this credit bureau a letter declaring that I am a victim of Identity Theft and that accounts were opened under my name fraudulently. I attached a copy of my IDs and my FTC report to my letter I faxed to this company and requested XXXX XXXX account XXXX to removed and block on my credit report. I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of  the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. It has been more than 4 days when this credit bureau received these documents and still, they showed their negligence and non-compliance by ignoring my lawful request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3100.00} XXXX updated XX/XX/XXXX Never open account with XXXX XXXX. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.