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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00}
Product: Mortgage

For the second time the loan company has not paid the bills for insurance and property tax on time.
Product: Credit card or prepaid card

Dear CFPB, I have and amazon store card ( account # XXXX XXXX by Synchrony bank for years and never missed a payment. The card was in good standing until yesterday, the bank cited some credit bureau reason and closed my account. If they decide not to do business with me, it is ok. But they closed my account right after amazon XXXX  XXXX, in which I made a lot of purchases and accumulated ~ {$1000.00} worth reward points. They told me the points will be forfeited per their terms. Please investigate this matter and see if this bank is just deceiving customers and stealing their money. Their terms are not reasonable and not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX XXXX and Transunion has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Credit reporting or other personal consumer reports

There is a lot of inaccurate information I been trying to dispute with no response.
Product: Student loan

Per all past correspondence and the terms and conditions of the paperwork I have not received a bill showing what I owe this month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with Toyota Financials since XX/XX/XXXX. In XX/XX/XXXX, they reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late. As the result of that reporting, my credit score took a significant hit and disrupted my house refinancing. I have never been late with any payment, Toyota included. My XXXX and XX/XX/XXXX Toyota payments were deferred, so, after the deferment period ended in XXXX, I contacted the Toyota financials to made the payments for those deferred months and also to bring my account status from deferment to current. The Toyota financials representative assured me that everything is paid and my account is current. But, in XX/XX/XXXX, they reported me to credit bureaus for 30 days late for XXXX payment, which it supposed to be paid during my phone call with the Toyota Financials representative. I called Toyota Financials and I was told that they never took the XXXX payment and it was too late to withdrew the credit reporting. 
Toyota Financials representative assured me during my previous phone call that everything is up to current, then how could I be late for their XXXX payment. Also, all my Toyota payments were autopaid. My XXXX and XXXX payment were paid without problems, how did they just missed the XXXX payment? 
I contacted Toyota Financials and they refused to correct or withdrew their reporting. That is the reason I am filing this complain against Toyota Financials today. I have NEVER been late on any payments in my life. This time is certainly not my wrong doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute certain inaccuracies and discrepancies found in my credit report regarding a collection account from XXXX XXXX XXXX XXXX. The information provided by your reporting agencies, contains inconsistencies that violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I opened an account with Marcus high yield savings account on XX/XX/XXXX and had no issues transferring money into the account from several different account which were linked to Marcus via their website. When trying to transfer funds from the Marcus account into those same external account linked via the Marcus website, all debits were denied. When I spoke with the customer service reps on two separate occasions for over an hour each call I received several different reasons including fraud, " technical difficulties '' claiming one of the external account XXXX had placed a hold ( I also called XXXX who confirmed this was not the case and that Marcus had denied the transfer ). My current balance in the Marcus account shows an available amount of {$25000.00}, but when I go to their transfer button on their website it shows {$0.00} available to transfer, no rep from Marcus was able to offer an explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I disputed unauthorized accounts being furnished on my consumer report via Transunion. Per federal law, I was not provided all 5 things to validate the alleged debts being reported per 15USC1692g. On XX/XX/XXXX, I mailed Transunion a letter with a return receipt stating that I did not consent to the accounts being furnished on my consumer report. My letter was delivered to Transunion on Thursday XX/XX/XXXX. As of today, there are multiple accounts that I did not consent to being furnished on my consumer report via Transunion. 
Congress states Transunion assumed their role in evaluating consumer credit and other information on consumers per 15USC1681 ( a ) ( XXXX ), therefore Transunion is infringing upon my right to privacy by furnishing the accounts without my consent.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and notice a account that wasnt mine from XXXX account number XXXX amount {$7900.00} I contacted XXXX, equifax and XXXX about this matter I sent in my Identity theft report to XXXX, equifax and XXXX and still nothing has been done about this inaccurate account thats not mine reporting on my credit report, which is preventing me from obtaining credit from other creditors I would like this matter resolved immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This goes back to XXXX .I inquired with XXXX XXXX College about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXXXXXX XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Correction Required : Addressing FCRA Violations in Credit Report Dear Equifax, I am writing urgently to address glaring inconsistencies discovered in my credit report, directly violating the guidelines set forth in the Fair Credit Reporting Act ( FCRA ). Recent findings have revealed multiple errors within my credit profile, indicating a troubling disregard for FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, prioritizing transparent information sharing with consumers. 

Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items flagrantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, as evidenced by my recent denial for extended credita direct consequence of errors originating from your agency. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

XXXX. I was never late on this account. Equifax already removed all the late payments on this account. 
XXXX Account Number : XXXX I demand XXXX and XXXX remove late payments on this account I expect expedited action to rectify these violations within the mandated timeframe set by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal action to ensure my rights under the FCRA are duly honored. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : DPT EDXXXX Account Number : XXXX Dates of Late Payments XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by DPT ED/XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction.

Creditor Acknowledgement Delay : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end.

Miscommunication from Creditor : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I noticed unauthorized transactions on my American Express account, which included charges from XXXX XXXX and XXXX in the amounts of {$140.00} and {$54.00} respectively, among others. I initiated a chat with customer service to report these charges as fraud and requested assistance in blocking my card to prevent further unauthorized use. 

In the chat, I confirmed that these transactions were fraudulent, and the representative assured me that they would raise a fraud case on my account and block the affected card. Despite these measures, I later received a notification threatening account cancellation due to a past-due status, which seems linked to these unauthorized charges. 

Actions taken : Reported the unauthorized charges as fraud. 
Requested a freeze on my card. 
Followed up to ensure that no further actions would be taken against my account due to these fraudulent charges. 
Please address this issue to ensure that my account remains open and protected, and that the fraudulent charges are removed.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the XX/XX/XXXX do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. Experian uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.
Product: Mortgage

Purchased fully without lending during XX/XX/XXXX a ground floor condominium unit due to a XXXX XXXX. At time of purchase with inspection flooding or leaks of any kind did not exist immediate past ( 1 year ) or at that present time. Once sale was complete and upon moving in a flood occurred from a waste pipe. Flooding continued and from two separate locations directly related with waste pipes. A HELOC application and appraisal was completed for a fee of approximately {$1400.00} on or about year XXXX. Following approval of HELOC the related HOA/Home Owners Association and its collection agent sold the deed and title of condo at auction in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Their stated reason for this action was failure of HOA dues payments. The dues payments were actually stopped/halted due to the fact the HOA has full responsibility of its waste pipes and refused, failed to act on the flooding, leaking of waste pipes to my home. Fast forwarding a bit here, the matter reached a trial court. The actions and decisions from me ( condominium title & deed owner ) were correct and justified. The HELOC lender never appeared or communicated with me prior to, during or after trial and judicial findings or rulings. The condominium, its title and deed were forced from me. To this current date or as of XX/XX/XXXX the HELOC account and lender continue taking money from a checking account and savings account, completely separate accounts, that never was it asked/requested to be linked to HELOC. The various amounts of money are literally taken or withdrawn at any given date or any given deposit the HELOC lender deems appropriate. This happens ongoing totally regardless of anything. The fact that the condominium was forced from me, my home ownership, means absolutely nothing. PLEASE HELP! S.O.S. S.O.S
Product: Debt collection

CFPB I put in 2 complaints to you on XX/XX/21 and XX/XX/21 about Portfolio Rec ignoring me and they finally sending me 1 piece of paper calling it validation. That was not validation and it wasn't all the supporting documents I asked for. They are still reporting this unvalidated allege account. The FCRA specifically says they are required by law to send validation along with the supporting documents I have requested.

Why haven't you stepped in and made Portfolio Rec follow the law of the FCRA and provide me with the docs I asked for. Why haven't you made them stop reporting this allege debt until they proof they have the authority and along with the other pieces of supporting documents I requested?
Product: Credit reporting or other personal consumer reports

I have consistently and adamantly disputed these accounts on numerous occasions due to evident errors made by the credit agency. After fervently requesting that this account be deleted from my credit profile due to egregious violations of the Fair Credit Reporting Act ( FCRA ) guidelines, the credit agency proceeded to falsely update a non-investigated account to reflect updated and verified information. I demand the immediate removal of these accounts from my credit profile. See attached copies of the Experian credit report with ( NR ) errors. This is inaccurate reporting of information. Experian credit bureau has failed to delete the accounts with no data information ( NR ). This is a blatant violation of the Fair Credit Reporting Act ( FCRA ) guidelines. 15 U.S.C. 1681i Inaccurate Reporting.
Product: Credit card or prepaid card

I have previously been a Walmart rewards card holder until the merger from XXXX XXXX to Capital One Bank. They didn't contact me to notify me of the change until a payment was past due. Then they proceeded to report two late payments to the three major credit bureaus. After contacting Capital One, they agreed to reverse this error and issue me refunds for both late payment fees. They also told me to contact the credit bureaus and notify them of this. However, nothing has been changed even though I filed several disputes now. Due to Capital One 's negligence I decided to close the credit card and cease doing business with them.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX OF XXXX XXXX Balance Owed : {$790.00}
Product: Credit card

The company charged me from last year as I reported that the card was lost in mail. 
I am requesting them to provide me compelling evidence/documents as I must present this with my lawyer that the chargeback to prove the transaction was valid or otherwise contradict the chargeback as I reported to them that my card was stolen and compromised. 
Attached is a police report that our mail was stolen. 
I am a victim of identity theft, and I did not make or authorize this charge. 
I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection agency has been banned from being able to used or reported in the United States by the federal Trade Commission
Product: Debt collection

Security Credit Services added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. Security credit service added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.