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

I have made several attempts to get an old student loan account deleted from my credit report. I sent a dispute letter to all 3 credit bureaus on XX/XX/XXXX asking them to remove all accounts associated with my old student loan. It is one loan that shows up as 12 different accounts. These accounts are well beyond the reporting limit according to FCRA regulations and also have been consolidated ( XXXX ) AND XXXX ( XXXX ). The consolidated loan also shows up on my credit report, which creates a duplicity. In XXXX of XXXX this same student loan was XXXX due to me being deemed 100 % XXXX by the XXXX  XXXX XXXX XXXX. On XX/XX/XXXX, I sent another dispute letter asking them to remove the inaccurate information from my report. I have yet to receive a response to either of my letters.
Product: Credit reporting or other personal consumer reports

Subject : Notice of FCRA Violation Dear Transunion, I am writing to formally dispute an error in my credit report caused by your organization, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, it appears that the same debt has been reported twice under different accounts or entries, which has negatively impacted my credit profile. 

Details of the Violation Upon reviewing my credit report, I noticed the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A duplicate entry for the same debt under XXXX XXXX XXXX account : XXXX Under the FCRA, furnishers of information are obligated to ensure accurate reporting of consumer information to credit bureaus. The practice of " double reporting '' or " double jeopardy '' violates : FCRA Section 623 ( 15 U.S.C. 1681s-2 ( a ) ), which mandates furnishers to provide accurate and complete information.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which obligates credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. 


My Rights Under the FCRA As a consumer, I have the right to dispute inaccurate or incomplete information and to expect the data furnisher to investigate the matter promptly. If your organization continues to report duplicate or erroneous entries, it could lead to legal liability and penalties. 

Requested Action I respectfully request that you : 1. Conduct an immediate investigation into the duplicate reporting.

2. Delete the erroneous entry from my credit report across all credit bureaus ( XXXX, XXXX, TransUnion ). 


XXXX. Provide a written confirmation of the correction and any additional steps you have taken to comply to FCRA. 


I expect this matter to be resolved within the 30 days allowed by law under the FCRA. Failure to take corrective action may result in my pursuing further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

Thank you for your prompt attention to this matter. Please contact me in writing at the address above if you require further information.
Product: Credit reporting or other personal consumer reports

My wife XXXX XXXX XXXX opened an account with XXXX in her name and used my name as well without my knowledge. She then closed the account when we separated with a balance of XXXX XXXX This is on my credit report. I disputed it with XXXX XXXX XXXX who holds the debt. They did not verify my original contract or my signature opening this account which is what I asked for when disputing. I also let the 3 credit bureaus know that they did not verify the debt with the original contract which is required to verify a debt. The credit bureaus did not investigate this account properly and delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX and XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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. Accounts need to be removed from report.
Product: Credit card

A card and account was opened on XX/XX/XXXX with Old Navy through Barclays Bank without my knowledge. I received a call from Barclays on XX/XX/XXXXXXXX  at XXXX XXXX  wanting to verify the account and purchase made on this account at XXXX XXXX  which I denied opening. I received a letter from Barclays on XX/XX/XXXX stating that this account be deleted and or suppressed because of no knowledge of this account. I just received a letter from Barclays dated XX/XX/XXXXXXXX  that they completed their investigation and they determined that the account was valid and opened by me and I am responsible for the balance of {$200.00} which is completely false.
Product: Credit card or prepaid card

For the past two months, I have been trying to flie a credit protection claim for my PayPal credit card by Synchrony Bank. The web link does not work. I have been in contact with both PayPal and Synchrony Bank only to be told that their website to submit my claim is down. Synchrony Bank said that I can not submit it by fax, only thru their website - which has been down for two months. I am being charged a credit protection fee each month, which I am not allowed to file a claim.
Product: Debt collection

Since XX/XX/XXXX, I started XXXX family plan with a 2-year contract. After this 2 year contract due, XX/XX/XXXX, I went to XXXX store at XXXX XXXX XXXX, XXXX, and changed my plan to prepaid service. But after plan switch, I found XXXX still charged me same money of the canceled plan monthly, in the meanwhile, the prepaid minutes also decreased after each use. I called XXXX customer service for several times to fix it, their representatives agreed to cancel this double charge, but an unreasonable bill which value is {$270.00} resulted from that. And XXXX sold this bill to RPM collection agency to let them collect the money from me.
Product: Credit card

I reserved hotel accommodations using the banks travel benefit under offer terms to receive a third night free. While XXXX of the cards benefits allows for an annual {$200.00} credit to cardholders, I did not receive the third night free under the specific terms of the offer. 

The merchants response is that the promotional third night free was incorporated in the rate advertised. Not only is this information false but the terms are vague, misleading and seemingly in efforts to dupe consumers.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXXXXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Name : XXXX XXXX Former XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX Employers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit card or prepaid card

Clearly did not receive the services advertised. Chase did nothing to help me with my claim even after submitting multiple documents with evidence of the fraud. Also did not offer any way to appeal the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every couple of years this company will appear and then disappear off my credit report. Its fraud. I spoke to them on the phone and they said I have a debt with furniture which I never bought and in a state that Ive never been too. Someone has all my information from many years ago from a security breach which has been reported. This has been going on for many years and it just appeared again. Im contacting every government agency about the fraud, identity theft scam taking place here.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX, H XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} ONEMAIN XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I wish to deposit find from my bank account to XXXX  to be able to trade stocks online. PNC will not allow the transaction to go through. I am being restricted access to my personal bank account.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some addresses and names that appear to be incorrect. 

my correct information about me must be : XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX new Jersey XX/XX/year> XXXX I need to delete the incorrect information, please.
Product: Mortgage

We have requested these documents in writing via certified mail to XXXX XXXX, Chief Legal Counsel for Gold Star as of XXXX and confirmed Gold Star received this request. Gold Star has ignored our request.

1. Settlement Statement ( HUD-1 ) or other legal government loan document used by Gold Star Mortgage Underwriting prior to disbursing funds and signed by Gold Star employee ( s ) as part of the settlement package to confirm for Centennial Escrow that the name of the party to be paid as seller was correct and that Gold Star was in agreement with Centennial to disburse loan funds to the party named on this document. 

XXXX. Please provide Gold Star 's copy which was actually signed by the Gold Star employee who is responsible for approving Gold Star fund disbursal from Gold Star to Centennial Escrow on XXXX. 

3. All signed Estimated Settlement Statements and Final Settlement Statements produced by Centennial Escrow and provided to Gold Star, whether signed or unsigned by Centennial Escrow or Gold Star employees.

4. A copy of the sales contract with buyer and seller ORIGINAL signatures, which, per Centennial Escrow, was requested by Gold Star on XXXX, after Gold Star had already received our XXXX sales contract dated XXXX and with the binding counter offer dated XXXX. 

5. Copy of the original VA Loan Notice of Value ( NOV ) signed by the Lender 's Staff Appraisal Reviewer or VA Staff Appraiser approving this property for a VA home loan as required prior to loan funding
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found that some of the data were unreliable. The three credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is forbidden to treat these reporting items ' unconfirmed information as fact without supplying evidence within the legally required amount of time. I need the following incorrect information in my credit report looked at and updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX  stating that my credit card account debt in the amount of {$1200.00} was sold to Midland Credit Management. I called the bank to let them know that I didn't recognize the charges and would report identity theft. 
The transactions took place in XXXX of 2023 in a XXXX XXXX in XXXX XXXX, Florida. 
This debt is a result of identity theft and fraud, and I need to solve this issue as soon as possible. 

Please advise what the next step would be to avoid credit issues for a debt that is not my responsibility. 

I appreciate your prompt attention to this matter. 

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

Subject : Request for Investigation and Deletion of Inaccurate Information Under the FCRA To Whom It XXXX Concern, I am writing to formally dispute inaccurate information contained in my credit report, as provided to me by [ XXXX XXXX XXXX ]. This dispute is being submitted under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX ), which mandates that credit reporting agencies investigate any disputed information promptly and accurately. 

The item in question is listed as follows : XXXX. Account Name : XXXX XXXXXXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX Under the FCRA, I am entitled to a full and thorough investigation of this matter. If the disputed information can not be verified within 30 days of your receipt of this letter, you are required by law to delete it from my credit report. 

Please conduct your investigation promptly and provide me with a written confirmation of the results. If the account is removed or updated, please send me an updated copy of my credit report. 

If you require any additional information from me to assist with your investigation, please contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your attention to this matter. I look forward to your prompt response within the XXXX timeframe as required by law. 

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

I have disputed XXXX late payments with Capital One as shown in my attached dispute letter. These payments were all initiated before the due dates in 2022 but posted late due to USPS delays. 
Capital One has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report
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. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> Equifax 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

In accordance with 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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Credit XXXX and XXXX XXXX XXXX XXXX Credit  XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have 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 instructions15 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.
Product: Mortgage

I am the seller of a property in the State of Connecticut. I had a real estate agent represent me - seller and received an offer from a Buyer agent ( real estate agent representing the buyer ). Included with the offer was a pre-approval letter for the buyer a single person by the lending institution NATIONS LENDING who is present in the state of CT having a branch at XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX O # XXXX the representative of the lending institution is XXXX XXXX. We received the offer with the pre-approval letter for the borrower : Ms. XXXX XXXX on XX/XX/XXXX. Then on XX/XX/XXXX my Real Estate agent received an email that originated with XXXX from Nations Lending explaining there is a 'hiccup ' that XXXX XXXX is not the only person that will be on the loan and deed documents but they need to add her mother as well XXXX XXXX . There was no explanation as to why she needed to be added nor the fact they gave a pre-approval only to XXXX XXXX. Further, the mother XXXX XXXX had an 'adverse action ' on her credit that needed to be cleared and the buyers as well as the lending institution NATIONS LENDERS requested a 30 day extension. XXXX who confirmed in an email stated - if Nations Lending can not close the seller will receive {$7500.00} that is the policy of the company. He further told us this fact is on there website. Based on this enticement I the seller approved the 30 day extension to be XX/XX/XXXX with a closing date of XX/XX/XXXX. We were assured from XXXX XXXX that the deal would go through and they are working to get things done. However, on XX/XX/XXXX we received notice from the buyers that they would not be able to obtain the loan and they would like there deposit monies returned. Further we received the denial letter from Nations Lending. However, when you review the denial letter please note they denied XXXX XXXX on XX/XX/XXXX, however we received an offer with a pre-approval for XXXX XXXX from Nations Lending on XX/XX/XXXX. How can you deny someone in XXXX and then approve in XXXX then ask the seller for a 30 day extension for adding the mother to the loan of which the mother had a credit issue that needed to be cleared and then entice the seller ( me ) of a guarantee of {$7500.00} if the deal does not close. My Real Estate agent and myself have tried to collect the {$7500.00} and no one not XXXX XXXX or his supervisor XXXX XXXX will speak with us.