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

Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX . I am writing this complaint because XXXX XXXX XXXX, Transunion, LLC, XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, Consumer, severe financial distress, causing him to be unable to extend credit. This accounts need to deleted, and permanently removed from the Transunion and XXXX credit file of XXXX XXXX, Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan today XX/XX/2020 and I was not approved due to having three accounts from Dept of ED/XXXX in negative standing appearing on my credit. Those accounts are not mine and I did not allow anyone to open them in my name. I have no idea who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I ever make any payments towards these accounts.
Product: Debt collection

I had one account with XXXX for mobile phone service, it was reported on my credit as a collection. Later on, there was a second account from XXXX reported on my credit for collection, it was for XXXX XXXX, a home utilities. The XXXX   was not my account, so I disputed it and it was deleted from my credit report. The XXXX account was only in my mother 's name. I later get a notice for collection from a different collection agency after the other is deleted. I call the new collection agency and they try to tell me it was fraud and tried to get me to open up a fraud report on my mother saying she must have signed my name as a cosigner. This was not true and I tried to explain that we had two accounts with XXXX for different things but in the same household and under different names, that it was a mistake by XXXX  in reporting it. They did not listen.
Product: Credit reporting or other personal consumer reports

dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. 

[ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXXThis inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B
Product: Credit reporting, credit repair services, or other personal consumer reports

It is indicated that I paid my XXXX  late when that is not true.
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 ( MONTHS REPORTING LATE ) 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

Experian is been reporting my address as XXXX XXXX XXXX XXXX Ri XXXX. That information is not accurate and I request to be co remove from my credit history.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX Last Four of XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Collection Account on Credit Report Dear Consumer Financial Protection Bureau , I am reaching out to formally dispute the collection account on my credit report, specifically reported by ( CREDENCE RESOURCE MANAGE with a balance of {$270.00} ). My concern lies in the potential violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under 12 CFR 1006.34. 

I would like to draw your attention to the following issues : 1. Failure to Provide Validation Information : XXXXXXXX XXXX XXXXXXXX, as per 12 CFR 1006.34 ( b ) ( 5 ), has neglected to furnish the necessary validation information despite adding a collection entry to my consumer report. I kindly request your assistance in encouraging them to provide the required validation information for the disputed account. 
2. Denial of Dispute Opportunity : I have not been granted the opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is crucial that I am afforded my right to dispute the accuracy of the reported information. 
3. Violation of Consumer Rights : There are allegations that XXXXXXXX XXXX XXXXXXXX may be in violation of my consumer rights by engaging in false, misleading, misrepresentation, and deceptive practices. I seek your assistance in prompting them to cease such actions immediately and adhere to the guidelines set forth by the FDCPA. 
4. Failure to Provide Disclosures : The agency seems to be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) by providing the account to consumer reporting agencies without the necessary disclosures required by law. I request your support in urging them to rectify this violation promptly. 

I kindly request the Consumer Financial Protection Bureau to investigate the disputed account, encourage XXXXXXXX XXXX XXXXXXXX to provide the validation information required by law, and promptly address any inaccuracies on my credit report. 

I appreciate your attention to this matter and request that you keep me informed of any actions taken. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened an account with Synchrony which bank/amazon. They immediately put a fee of XXXX that I did not sign up for. It took me two months to remove the XXXX. Then I bought a pair of shoes from Amazon. I did not even open the package ; sent it back. Amazon applied a XXXX credit. to my account. Synchrony started billing me XXXX which included a XXXX fee. I wrote them a letter on XXXX, 2017. No  answer. I contacted Amazon No response. I then contacted the shoe company that I bought the shoes from. They said they applied XXXX. I received my bill from Synchrony on XX/XX/XXXX wrote them a letter again. No answer. I do not owe this credit card money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

We have received a new license according to which CITI must unblock and send our money to our account in a non-sanctioned bank. ( enclosed ) Previously, we have asked CITI to transfer our funds, but we didn't received it back. 
We found out that the amount of {$57000.00} under reference XXXX that CITI have sent on XXXX XXXX to our XXXX account was returned to CITI bank. XXXX asked to send funds again but with choosing XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) as a corresponding bank while entering routing. As they do not use direct corresponding accounts with CITI. 

When enter routing of transfer in the field XXXX of current swift message CITI should indicate XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) in that field. 

Also we send our USD account details in a non-sanctioned bank Bank details for USD payment : BENEFICIARY BANK : XXXX XXXX XXXX : XXXX  BENEFICIARY : XXXX Leader Fruit ACCOUNT : XXXX Also we kindly ask CITI to share with us SWIFT message after sending transfer via XXXX. 

Looking forward to your prompt assistance in resolving the issue. 



Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX CHILD XXXX XXXX Balance : {$6200.00} XXXX CHILD SU XXXX Balance : {$5700.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX  - XXXX LXXXX 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 XXXXXXXX INQUIERES LISTED XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was protected under the XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. XXXX reporter my account late for 90 days in XXXX of XXXX. I disputed the late payments and nothing has been corrected. I have an federal loan through XXXX. My loan has also increased during the CARES ACT.
Product: Credit reporting or other personal consumer reports

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
I would like you to conduct an investigation for me to makecertain that everything is accurate. 
I am writing to formally dispute the inaccuracies contained in my credit report, which I obtained on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I have the right to dispute information that I believe is inaccurate or incomplete.

Upon reviewing my credit report, I have identified multiple discrepancies regarding the accounts listed below that require immediate investigation. I have attached a Dr 's Note to show that i was in hospital during the date the account was opened.

According to 15 USC 1681c-2, any negative information that can not be verified must be removed from my report. Additionally, under 15 USC 1681b, I demand to know if the reporting entities have followed proper verification procedures.

( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

I demand that these discrepancies be corrected in my credit report as obligatory under the law. 

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 XXXX XXXX {$2200.00} - I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX  {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate.
Product: Consumer Loan

Coastal Credit,XXXX, XXXX, CO XXXX, issued a loan to me for a XXXX. I purchased the XXXX from XXXXXXXX, XXXX, CO XXXX ( Exhibit A ). I returned the vehicle prior to 3 business as the dealership violated the Law of the State of Colorado. I contacted Coastal Credit regarding the returned vehicle and instructed them to withdrawal their EFT payment to XXXX. The company refused. I hired the law firm of XXXX, XXXX, XXXX, XXXX, to defend me regarding the actions of XXXX employees ( Exhibit B1 and B2 ). In addition, I contacted State of Colorado Criminal Investigator, XXXX, to file a criminal complaint against XXXX. Attorneys for XXXX agreed to settle out of court and refund Coastal Credit for the cost of the loan. I continued to pay Coastal Credit timely payments until the lawsuit terms indicated I no longer had to as Coastal Credit was made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However, Coastal Credit refused to honor Colorado law and victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and XXXX was to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to Coastal Credit, returned the vehicle to Coastal Credit as I was directed by the court to do and I was not required to make any further payments to Coastal Credit. Coastal Credit failed to file theft charges against XXXX or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with XXXX, XXXX, and XXXX by Coastal Credit is a fraudulent entry must be removed.
Product: Money transfers

In XXXX 2015, I transferred money to my son via Western Union. Today my son told me that he received a debit card in the mail! I have a problem with this. Obviously, my son was in need of money at the time, and I believe Western Union is using the transfer of money as an opportunity to scam, defraud or otherwise take advantage of the disadvantaged by mailing debit cards to those recipients ( with name and account number imprinted on it ). 

I am hoping the Federal agencies will step in to require Western Union to discontinue mailing solicitations to my son ( who is considered a " XXXX person '' under the XXXX and other landmark legislation ) and others who are similarly situated in the form of debit cards to incur a debt that he/they can not possibly repay! 

Since then, I have also been inundated with emails from Western Union and others. If I recall, there was an option to unsubscribe to updates and further communications. Yet, I receive spam from Western Union.
Product: Debt collection

A collection company sent a letter to my friend, telling me that I need to pay a debt with {$270.00}. I never lived on that address, but I opened a credit card with that address. The company 's name is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, the account number is XXXX, the debt amount is {$270.00}, the original creditor is : XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX I never got my one time {$25.00} credit yall promise please verify it was applied to my account etc. My name is XXXX XXXX XXXX and contact me at XXXX and account number is XXXX etc Here is my documents to add to my XXXX CFPB and verify it was applied to my account and verify it was spent too etc.
Product: Debt collection

On XXXX/XXXX/XXXX I filed a complaint against this company. The complaint number assigned was XXXX. On XXXX/XXXX/XXXX The company responded to the complaint the following : Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested validation from our client and will send it to the address in this correspondence once received. 

Today is XXXX XXXX, XXXX and I still have not received a response from this company regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

1. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

2. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached 3. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. Proof attached 4. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.