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

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo whom it may concern ; This Letter of Intent to Sue shall serve as a formal notice that I, XXXX XXXX, Affiant and BENEFICIARY intend to commence a lawsuit against you and your agency if you do not comply with the settlement demands set out in this letter. 

I recently received a copy of my ( Experian, XXXX, and XXXX XXXX ) credit report, and I noticed some late payments posted on my credit 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 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby under 5 USC 552a request a copy of the written instructions which I furnish these statements of account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report : I demand the above accounts be corrected by way of deletion of the reported late payments from my consumer report and bring the current by reflecting accurately and positively, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which i shall also be seeking {$1000.00} per violation for in reference to the following matter ( s ) : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF IDENTITY THEFT AND XXXX XXXX PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXXXX/XX/XXXX {$280.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report thatis the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of BELOW I HAVE BEEN A VICTIM OF SOCIAL BREACH MY SOCIAL WAS USED TO INQUIRIE INQUIRIES AND ACCOUNTS THAT ARE NOT MINE PLEASE HELP. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a chapter XXXX discharge XX/XX/XXXX about the middle of XX/XX/XXXX i got a bill from one of my included bills XXXX. I called and talked to them and gave them bankruptcy case number and they said ok. XX/XX/XXXX I receive a collections notice from sunrise credit service for this discharged XXXX bill. I called sunrise credit and told them the same thing and gave them all my information on my chapter XXXX case and also my lawyers info. I then contact my lawyer and give them the copy of my letter i received from XXXX XXXX and they said they would send out new letters to XXXX  and sunrise credit ... .but this has been ignored by both XXXX and sunrise credit. 

Then I get the same letter a month XX/XX/XXXX later from sunrise credit again saying the same thing. I call them once again and tell them all the same information chapter XXXX case number and lawyer information. They just said " well XXXX said it was a good debt so we have to collect on it '' So now I get a collection debt on my already weak credit report with XXXX. I disputed this with XXXX and they said they contacted Sunrise credit and they said it was a good debt so XXXX wont remove this illegal debt/collection from my credit report. I dont have access to my other reports so I cant tell if the collection is on XXXX  and XXXX but it probably is.

I just need help removing the debt from my credit report and help making XXXX and sunrise realize this is illegal to collect on a discharged debt.

Thank You
Product: Credit card

Dear CFPB, This is a complaint regarding Chase Bank 's mishandling of disputed charges. 

XXXX XXXX {$39.00} XXXX total rewards points earned Transaction details Type Transaction date Posted date XXXX Adjustment XX/XX/XXXX XX/XX/XXXX Description XXXX XXXX Merchant type Department stores Method Online, mail or phone XXXX XXXX Category Shopping Reference number XXXX After receiving the item, I found it didn't match the description, so I requested a free return label from the merchant, XXXX, which they failed to provide. I raised a dispute with Chase and provided all necessary evidence and documentation. 

However, despite the charge being reversed by the merchant, Chase rebilled me for the transaction, forcing me to pay again. This behavior by Chase is corrupt and unacceptable. I urge regulatory authorities to investigate and intervene.
Product: Debt collection

PLEASE SEE ATTACHED 1 ) FTC FRAUD REPORT 2 ) POLICE REPORT 3 ) ID THEFT LETTER FROM FTC 4 ) COPY OF ID PROVING RESIDENCE IS NOT WHERE BILL IS COMING FROM
Product: Money transfer, virtual currency, or money service

I made a withdrawal in euros from a Global Credit Union ATM on XXXX XXXX XXXX, XXXX on XX/XX/. At no time was I informed of any fees, exchange rate, or what the total amount I would be charged on screen, on or around the machine. Upon receiving the receipt, I saw the total amount in dollars I was charged, with an exchange rate that I would have declined if known. 

I have informed that branch in person, and was told " there have been several complaints '' of the fees and rates no displaying and that there is a has been a " a work order '' submitted for the ATM 's. The same issue occurred once before 4 months ago when I first used one of their ATM 's, though I did not notice the subpar rate. 

This XXXX XXXX XXXX primarily serves American uniformed personnel and their families while overseas. It's upsetting to see them swindle customers out of money by being deceitful in disclosing the exchange rate and total after the transaction is complete.
Product: Credit card or prepaid card

I was vacationing in XXXX and they had an open air market in the resort. I thought it would be nice to buy myself a souvenir. 
There was a gentleman there selling " cenote stones '' that were pretty clearly neat glass cocktail rings, and I decided to purchase one. He said it was XXXX, which I thought was pesos and I was ok with. He charged me {$640.00} dollars, which I was not ok with and decided to dispute with the card. I later found this is a pretty common scam ( XXXX XXXX XXXX ). This link is an example but you can find many stories that line up with some XXXX. 
I explained this when calling the credit card. I requested they charge back {$600.00} and bring it back in line with what I originally agreed with. I purchased an item, I'm willing to pay for it, but I'm not willing to be fleeced for the pleasure. I have rings with ACTUAL gemstones I haven't paid that much for! 
Working with BOA has been a nightmare. Every time I would call to ask a question or get clarification I would be bounced agent to agent and spend a lot of time on the phone, often around a hour with long hold times. They would often tell me I was probably going to be out of luck. 
The first time it was closed I called to get explanation and the rep said she did not understand why it was closed, felt it was closed in error and refiled it, it was immediately closed again. 
I've had to work with other credit cards on billing issues and it was usually a quick and painless process and I recoup my losses. That has NOT been the case with BOA. 
I am incredibly dissatisfied with this situation and will be closing this card out as I refuse to work with a company that doesn't stand behind it's customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX , I am writing to formally dispute certain information in my credit report that I believe to be inaccurate. I have reviewed my credit report, and I found the following entry ( ies ) to be incorrect or outdated : Disputed Item ( s ) : Creditor Name : [ XXXX XXXX XXXX  XXXX XXXX ] Account Number : [ XXXX XXXX ] Nature of Discrepancy : [ Account not mine and is currently reporting on my credit report ] [ Account not mine please remove all late payments and charge off ] I have attached the relevant documentation to support my dispute, including [ e.g., payment receipts, letters from the creditor, account statements, etc. ]. I kindly request that you investigate this matter and correct any inaccuracies that are found. 

Please let me know if you need any additional information or documentation from my side to facilitate the resolution of this dispute. I would appreciate your timely attention to this matter and request that you notify me of the results of your investigation. 

Thank you for your prompt attention to this issue. 

Sincerely, [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] ( last four digits )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2023. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to draw your attention to certain discrepancies that have come to my notice in my credit file. Upon a thorough review of my credit report, I discovered that my file contains personal information belonging to another individual in error. As a responsible consumer, it is of utmost importance to me that my credit file accurately reflects my own information at all times. 

In light of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request your prompt assistance in rectifying the following inaccuracies within my credit file. As per the FCRA guidelines, consumer reporting agencies are required to address such requests within a period of 15 business days : Removal of references to XXXX  Removal of references to XXXX Removal of references to XXXX XXXX XXXX Removal of references to XXXX XXXX Removal of references to XXXX  XXXX XXXX XXXX XXXX references to XXXX XXXX Removal of references to XXXX XXXX I trust that XXXX, Experian, XXXX, will prioritize the resolution of this matter and ensure the expeditious removal of the aforementioned inaccuracies from my credit file. Your compliance with the FCRA regulations and your timely response to this request will be greatly appreciated. 

Thank you for your attention to this important issue. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found inaccuracies from XXXX XXXX. i sent them a letter asking them how i still owe your company for this debt. I have received a XXXX on this account and i do not owe this company. This company is taking away my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX Balance : {$280000.00} XXXX XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated tradeline XXXX XXXX   Equifax XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information..Delete CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISCHARGED REFERENCE NUM XXXX
Product: Debt collection

All of the charges on the original debt should have been submitted to my insurance. The original creditor did not submit all the charges to my insurance.
Product: Credit reporting or other personal consumer reports

I would like you to conduct an investigation for me to make certain that everything is accurate. 
1 ) XXXX XXXX XXXX Reported on XX/XX/year> account number XXXXXXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for 15 USC 1681
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2010, 60 days XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I was contacted by Grant & Weber regarding a debt claimed to be in my name. When I first communicated with their point of contact, they claimed to have no actual detail- just an amount I supposedly owe. The representative indicated they would get more information and contact me back. A couple months later they began to reach out, and after receiving a voice mail, I returned the call. I was told that I had opened an account with XXXXXXXX XXXX XXXX XXXX Credit Union, and I believe the claim was that the account was deposited into, but then overrun. The account is not mine and I have never had any relationship or application to this credit union located in California. I was never contacted by the credit union and there was no record of the credit union in my otherwise perfect credit reports prior to Grant & Weber aggresively asserting I owe a debt which has relation to me. They claimed I applied for the account and they have evidence of whatever debt I supposedly owe - they had personally identifying information and an address from 12 years ago, which is why I am concluding this is identity theft. They indicated they would provide such evidence and have not. Rather a week after my last verbal communication ( letter dated XX/XX/2024 ), they send a demand notice requiring payment by XX/XX/2024. The invalid debt is for XXXX amounts of {$4900.00} and {$4900.00}. I have taken action to file a dispute with XXXX will similarly be doing so with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was for an auto loan that was refinanced more than 2 years ago. During the refinance process I was told that this auto loan would not appear on my credit profile after it was refinanced with XXXX XXXX. Currently, I have two auto loan appearing on my credit profile and I was told by XXXX that I would not continue to see reporting for them. My current auto loan is with XXXX XXXX, not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a complaint about XXXX XXXX XXXX reporting information that has been proven to be fraudulent to Experian XXXX  that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights
Product: Payday loan, title loan, or personal loan

In the beginning of XX/XX/XXXX I started to monitor my credit and found out there was a loan that I did not apply for. The amount was for {$650.00} and was " opened on XX/XX/XXXX. I have recntly contacted this company by phone and spoke to a collections rep that was rude and would only tell me that the loan was done in person. I requested validation of this debt and the rep told me no to just pay the balance and that they did not have to validate. I sent letters to the bureau 's to get this taken off since it was not mine nor validated and they refused to take it off saying it was accurate. I spoke to all 3 bureau 's about this and none of them had validation with my actual signature on the contract. I then sent out validation letters to AD ASTRA requesting validation and they sent a copy of the contract with my name typed in. In XX/XX/2017 I sent a second validation letter letting them know what they sent was not validation but just an unsigned  copy. A 3rd letter went out 30 days later and no response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.