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

Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Dear sir, I would like to notice my concern regarding your company online credit report from XX/XX/XXXX to XX/XX/XXXX. I did not receive any credit cards offers anymore ; however, some contents are beyond my understanding. In total, I received 14 emails from XXXXexperian.com, XXXXexperian.com, and XXXX, experian.com. I realized there were some updates on my credit cards of XXXX XXXX XXXX, which I could not understand why your office considered I tried to dispute my three credit cards in past and present. I tried to dispute to know the reason why there were two accounts starting from XXXX cards. I consider that the card issued around XXXX must be my current card. I do not remember whether I ever had two accounts which starting from XXXX. If there was, somebody might have another card starting from XXXX. I insisted many times to clarify this matter as a victim of identity theft. 

Next, the record of XXXX XXXX lacks the information of XXXX of XXXX of balance history. I have paid {$57.00} on that month. Regarding this credit card, I am waiting my replacement card, which will be a replacement of fifth time. I request XXXXXXXX XXXX will send me the replacement card immediately, which can be used safely and hopefully without illegal and fraudulent activities. 

Thirdly, you have deleted XXXX which account number starting from XXXX without explanation. I never disputed this card ; therefore, what your office has done is illegal. Would you explain me why you considered yourself that you have the right to delete the closed credit card account? Do you have the right to remove the personal history without consent? I consider it against the human right ; therefore, it must be a subject to the consideration of international law since I am not a citizen of the United States. Would you explain why you continue to change the content of so-called credit report without the consent of individual? From the beginning, I continuously have the question what the purpose of this credit report is itself, if the content change so much ; even though individual must be same and difficult to change so quickly in a few days. I request the answer. 

Sincerely,
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute inaccurate information as clearly seen and marked on my credit report. As per Section XXXX of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C $ XXXX ), and Section XXXX ( XXXX U.S.C XXXX ). I am requesting the immediate removal of this erroneous information as it is incorrect and does not belong on my credit profile. 


The inaccurate item ( XXXX ) in question are as follows : TransUnion XXXX Holdings : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Credit Reporting Agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This information is incorrect and must be removed immediately as per my rights under the FCRA. Please conduct an urgent review and delete these items from my credit report. I have attached supporting documentation for your reference. 


Please provide written confirmation once this information has been corrected. I appreciate your prompt attention to this matter and expect a response within the legally required timeframe of XXXX hrs.
Product: Credit card

I had a Citibank card for sears. When I first took it out I was called to enroll in the XXXX coverage for sears card. I had a trial period to try for free. I never really used the card so I called and canceled the coverage. They said ok. I let my daughter use it who is a single mother for a small amount is what I told her. My daughter is on the XXXX and try 's to do things on her own. Well time went on and she had charged a large amount on it. 
I get a call when I get out of the hospital from XXXX from Citibank telling me she was late on the payment and owed about {$10000.00}. I was shocked that she never told me about this. When I found out she had done this I started to pay the loan down and found out that sears had been charging for the XXXX insurance the hole time which totaled about {$2500.00}. When I called sears they said they would refund the charges and cancel it because I explained I canceled the coverage before I let her use the card. I was refunded for two months and told they had no record of me every canceling it. I explained how my daughter had run it up with out me knowing it and thought she had paid off what she had charged. I spoke to supervisors at sears XXXX and XXXX told me there was no record of me canceling it and she did n't believe me when I said I did n't know she had charged that much on it. so I had to file a request for higher up and that was denied. I told them to look at the account to prove as soon as I found out I started to pay it down quickly and to remove those charges. Come to find out it was a person at Citibank that made that decision. I told them if I would of know about the coverage on there and they did n't cancel it I would of made a claim for when I was laid up for XXXX months. They told me I stilled owed for the coverage and nothing I could do about it.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX  XXXX Balance : {$0.00} on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, TransUnion. XXXX, XXXX, TransUnion has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

Collection agency reported to XXXX on XX/XX/XXXX a " closed '' collection account with a balance of {$19.00} that was opened with their collection agency on XX/XX/XXXX 

I received no dunning notice from the collection agency. 

Section XX/XX/XXXX of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. 

Failure to send a XX/XX/XXXX notice, is a violation of the FDCPA.
Product: Debt collection

On and off since XX/XX/year>, an account was put into collections and my name attached. This is an energy bill from a home in Texas. I have lived in New Jersey my whole life. I called Transworld collections to remove my information and they wanted to charge me {$200.00} to do that. They did see that my information was not accurate on the account. The bill is for {$140.00}.
Product: Debt collection

I am currently surveilling my reports as the identity theft breach by XXXX is of one of the worst I have experienced. I currently have 2 protection services alerting me. XXXX has sold my information to a third party in the same month the breach reached me by way of report by XXXX XXXX and XXXX. These 2 sites have reported that all of my information was leaked by XXXX. Credence resource management appears to be a debt collector now on my report allegedly collecting a debt that I do not have validated. This has reached unconscionable heights.
Product: Debt collection

Repeated calls and e-mails. Several times a day at various times of the day.
Product: Mortgage

A complaint was submitted against Specialized Loan Servicing on XX/XX/XXXX, file by my company, with my client XXXX XXXX, information. Information was then received in XXXX stating as response ha been made. The response was from the year XXXX, and nothing never address the issue that was made in the complaint on XX/XX/XXXX. Can the company ( SLS ) please respond to the issues address in the complaint on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX of XXXX  checks were stolen from our mail box one was cashed in which the individual change the name of the Payee by altering the check. I bank with Chase and contacted them to put a stop payment on all the checks that were stolen. Only a check was processed by XXXX  XXXX XXXX for the amount of XXXX. I gave Chase all this information check number, amount and their staff put in the wrong information. This is what they claim reason why the check was cashed. Chase has not returned the money even though I bank with them and they told me that XXXX  XXXX XXXX is responsible. I need help in getting this issue resolved and money return. I gave Chase the information to place a stop payment on check. They didn't enter the correct information and now they keep pushing me along that it could take up to 90 days to resolve the issue. its been 365 days and issue has yet to be resolve. Please help.
Product: Credit reporting or other personal consumer reports

I did not give written consent for XXXX, EQUIFAX, or XXXX to furnish my information out to these companies.
Product: Debt collection

After reviewing my credit report, I noticed GENESIS CREDIT MANAGEMENT at, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX, PHONE # ( XXXX ) XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. 

In accordance with the fair credit reporting act : GENESIS CREDIT MANAGEMENT, 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
Product: Debt collection

I was a victim of Identity theft and the medical bill is reporting on my credit. The company is Credit Collection Service. The date added to my report is XX/XX/2021.
Product: Mortgage

After some years I was finally approved for XXXX going back to XXXX. Due to this there was a reduction in my homeowners taxes that was sent to my mortgage company for XXXX, XXXX and XXXX because I have an escrow account. I called about these funds on XX/XX/XXXX, XX/XX/XXXX and faxed and wrote them on XX/XX/XXXX. I was told that they would hold the over pay until my escrow accountant was satisfied. This was on XX/XX/XXXX, spoke supposedly to XXXX XXXX on XX/XX/XXXX. He was very rude, wouldnt let me ask questions i needed for understanding. Called again on XX/XX/XXXX, same inquiry. No solution. On XX/XX/XXXX was told they got refund on XX/XX/XXXX and a new analysis was requested, they said will call me in a week. Towards the end of the next week, i called and was told they were still working on analysis and someone would call me back. It is now XX/XX/XXXX and over XXXX of paid up taxes are being held by Gregory Funding.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for failing to respond to two certified dispute letters regarding unauthorized inquiries and incorrect personal information on my credit report. Both letters were sent via certified mail and received by Equifax on the following dates : First Letter : Tracking number XXXX, received by Equifax on XX/XX/year>. 
Second Letter : Tracking number XXXX, received by Equifax on XX/XX/year>. 
Despite receiving both letters, Equifax has not responded or taken any corrective action. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies investigate and correct inaccuracies within 30 days. Additionally, their inaction may be considered a violation of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531. 

I will be uploading the proof of certified mail and delivery to support this complaint. I request the CFPB 's intervention to ensure Equifax complies with its legal obligations and corrects these errors immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a denial of credit during a pre-approval process with an auto lender due to Insufficient or Derogatory Credit. They noted their decision was based in whole or in part on information received from Experian. 

I then immediately went on Experians website to get a free copy of my credit report from Experian as the Fair Credit Reporting Act requires Experian provides me if I request it within 60 days of an adverse credit decision. 

I eventually found the appropriate form to request the report online. ( This was not easy to doit is hidden on Experians websites homepage, or else buried under dark patterns. I had to use a XXXX search to find the relevant form on Experians website ). 

I filled the report request out and submitted it. I then answered identity verification questions. After answering these Experians website took me to another page which said my session had expired. All this took place over a period of around five minutes. I then redid the report request. Instead of asking me to verify my identity the website then took me to a page which stated, We were unable to honor your request. If you entered your credit card information, we did not charge you. Below this was a form to print out and mail into Experian. These are attached to this complaint. 

To be sure this was not caused by a website error from using my browsers back button I restarted the process once more from the request due to adverse credit decision webpage. The third time was not the charm, and I received the same notice as on attempt number two.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XXXX XXXX, 2022, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I have talked to these furnishers and they all agreed to remove the accounts permanently from my file but then Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting these dispute letters and FTC report but they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I need the following accounts DELETED from my file : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Prepaid card

This debit card with {$700.00} was sent to me but was stolen so i never received it spoke to the company wrote the dispute letter like they ask me to do still nothing has been done .I cant get through on the phone with out a debit card number just want my {$700.00} that was stolen from me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$600.00} XXXX XXXX : {$0.00} {$600.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit card

Take a look at the documents I've included. I'm requesting the bureau to begin looking into these accounts where I've consistently been on time, but they're marking me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint comes after exhausting all my administrative remedies against Macys to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and Macys never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and Macys without a successful resolution to the issue. additionally Macys never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request Macys clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX RE : Method Of Verification Request XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : * A description of the procedure ( s ) used by your agency in my earlier disputes.

* All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

* Written proof that you forwarded all the relevant information in my earlier disputes ti creditor. FCRA 611 ( a ) ( 2 ) ( B ) + If such information can no
t be provided within 30 business days, I demand the late payments be removed from my report.

I am keeping careful records of our communications in case I must file a complaint to se relief and monetary damages under the FCRA Sections 616 and 617.

After you've completed your investigation, please send the results to me via mail.

36 Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 
My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I made a transfer on MoneyGram application to send money to my bank account in XXXX. I waited and today XXXX XXXX I called MoneyGram to see about my transfer due to the receipt says 1 4 days for the money to be available. They ask me all of my IDs info and then tell me that my money is on hold, and they can't cancel the transaction because I only had 30 min to cancelled. And that there is nothing they could do. I tried dealing with them to deposit my money either I the XXXX XXXX or the XXXX XXXX And they said I have to wait 4 days for my money. I am XXXXXXXX XXXX XXXX XXXX of my XXXX XXXX pay. I have to pay late fees for the money I owed in XXXX and I don't have the money for them to keep my {$1000.00} until they return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report falsely claims I owe money. Approx. last Thursday Equifax required that I dispute the claim using their online form. The form does not provide the means to submit any documents so I said in my statement that I paid the charge in dispute and that I can provide documents proving payment. ( Documents are bank statement and bank letter confirming the payment. The original creditor was XXXX XXXX, not XXXX who recently purchased XXXX XXXX. ) Today, Tuesday, ( ie. the @ 3rd business day after the dispute was filed ) I received notice that the result of investigation is available. Clearly neither Equifax nor the collection agency did reasonable investigation which should have included viewing my documents. By implementing a system where no document can be submitted Equifax assured a negative result. ( The Equifax incident number is XXXX ) No one has requested to view the documents. When I followed their online instructions to get results it didn't allow me to see the results. I used their chat service, which referred me to an automated phoneline. It took a long time to reach a human. She had such a thick accent that I couldn't understand her. After providing reasonable identification the rep still refused to tell me the results but confirmed to me that their system doesn't allow the consumer to submit documents.