23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Subject : Request for Removal of Unauthorized Credit Inquiries Dear CFPB, I hope this letter finds you well. I am writing to formally request the removal of unauthorized credit inquiries from my TransUnion credit report. Upon reviewing my credit report, I noticed multiple inquiries that I do not recognize or recall authorizing. 

The details of the inquiries in question are as follows : 1. XXXX XXXX XXXX XXXX XX/XX/year> 2XXXX XXXX  XXXX XX/XX/year> 3. XXXX XXXX XXXX XX/XX/year> 4. XXXX XXXX XXXX XX/XX/year> 5. XXXX XXXX XXXX XX/XX/year> 6. XXXX XXXX XXXX XX/XX/year> 7. XXXX XXXX XXXX XX/XX/year> 8. XXXX XXXX XXXX XXXX XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditors who pulled my credit report and have filed a dispute with them as well. I kindly request that you investigate this matter and remove these inquiries from my credit report as they do not belong there. 

Please confirm in writing once the inquiries have been removed, or if any additional documentation is needed to support my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt XXXX XXXX XXXX is attempting to collect is over Nebraska 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with XXXX XXXX XXXX after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - XXXX XXXX XXXX. If XXXX does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.
Product: Student loan

I was not properly notified when I was required to renew my income based repayment information and {$1700.00} was withdrawn from my bank account, when I normally pay {$130.00}. After speaking with Nelnet they told me they were unable to refund any portion of my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person. i am a living human being, i have rights under 15 usc 1681 XXXX, XXXX, experian is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from Transunion, XXXX and XXXX. 

1.XXXX XXXX XXXXXXXX balance {$2000.00} ( chargeoff ) 2.XXXX XXXX XXXXXXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries 1XXXX / XXXX  2.XXXX/ XXXX 3.XXXX 4.XXXX XXXX 5 XXXX XXXX XXXX Following information are in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector ma
y not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$280.00} XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX Balance : {$5.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX T XXXX XXXX Balance : {$330.00} XXXX
Product: Credit card or prepaid card

I signed up for the Capital One XXXX XXXX extension because it said I would immediately receive a {$10.00} bonus. I never received the bonus and I don't know how to fix this issue. Please see screenshot below showing I did in fact sign up..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax via fax and mail numerous times and they keep refusing to investigate this without the proper identification which I also have included and I am attaching this to and I and I have once again mailed and faxed on today XX/XX/XXXX. I was born on XX/XX/XXXX. Somehow they have my birthdate as XX/XX/XXXX. I know I turned XXXX this year and all my records show that I am XXXX but they refuse to change it and my other creditors are giving me trouble over it too because they are accusing me of lying on my credit applications and I have had to mail them proof that I have not lied, The credit bureaus should not be allowed to change this type of information because your birthdate is something that never changes and they are bad for this. I am attaching a copy fo what I have sent them. I dont appreciate them ignoring this information and refusing this but this is not the first time that I have had trouble like this. They even have accounts on my file that show me as an authorized user that I have asked them to remove, by law they are not supposed to report negative information of an authorized user such as XXXX account but most importantly is getting my birthdate corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTER
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Reporting late payments, which is incorrect Reporting.
Product: Debt collection

I reached out to Phoenix Financial Services on Monday, XX/XX/18, because i had pulled my credit report and noticed that Phoenix stated I had an outstanding collection with them for a past medical bill. When I reached out to Phoenix I inquired about the valitity of the debt, and they said based on my name and ssn that it was my debt. Phoenix representative then told me that if I paid off the debt they would provide me with a letter of deletion so that the account would no longer appear on my credit reports with XXXX, XXXX nor XXXX. On XX/XX/18, I made payment to Phoenix for the debt based on their representatives statement that they would send over a letter of deletion within 48 hours but on Wednesday XX/XX/XXXX, I reached out to Phoenix again to ask where the letter of deletion was going to be sent. Their new representative stated that he didn't care what the previous individual stated they would do because they weren't providing the letter of deletion which is the only reason I paid the debt. My calls with both agents were recorded, and they refused to listen to the previous call.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, and fraudulent activity has been reported on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account : Fraudulent Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Amount : {$400.00}
Product: Credit card or prepaid card

I received a promotional rate of 0 % interest for 12 months. However they are stating that it was only for 8 months. Which according to them should have been from from XX/XX/XXXX until XX/XX/XXXX. I have copies of statements showing interested charged in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received partial credit for previous month. So this adds up to a total 4.5 months of promotional rate. All of this is documented in copies of their statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not given me my credit file or payments I know for a fact payments are incorrect as I had no money to pay anyone so I would like to valid the credit and payments as I stated before I was in jail on XX/XX/XXXX until XXXX so please allow me to validate the date I provide your company with court papers stating of my location I also requested validation of debt which company refused this is illegal you have a responsibility to make sure companies are following the law in which they subject cunsomers to reports threw your reports.. please check the facts
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/year>, regarding an account listed under the creditor XXXX. The account shows a charge-off of {$860.00}, and I believe this account is either inaccurate or fraudulent. I requested Experian to investigate the validity of this account and confirm whether the charge-off amount was accurate. 

I have reason to believe that this account is not mine, and I disputed the information under the assumption that it was reported incorrectly or fraudulently. 

However, after Experians investigation, which I believe was insufficient, they confirmed that no changes were made to the account, and it remains on my credit report. I was not provided with sufficient details regarding their investigation or verification of this account. Despite my dispute, the error remains unresolved, and the charge-off of {$860.00} remains on my credit report.

I am requesting that the company fully investigate the accuracy of this charge-off and whether the account is indeed fraudulent or incorrectly attributed to me.
Product: Checking or savings account

XX/XX/2022. I began noticing charges to my debit card and changes to my online Wells Fargo account .I have been issues 4 debit cards and now Wells Fargo refuses to issue a new debit card and suspended my online service .My arm pin keeps getting changed and I can not stop the fraud charges.
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 XXXXXXXX I am requesting the immediate removal of several fraudulent accounts from my credit report under Section 605B of the FCRA, due to identity theft. These accounts are severely impacting my ability to access essential credit. I have provided the necessary documentation to support this claim and urge you to correct my credit file as quickly as possible. Your swift attention to this matter is greatly appreciated.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank You
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant errors in my credit report, which I believe have resulted from the Bureau 's failure to adhere to proper procedures and maintain accurate information, as required by 1681 ( a ) ( i ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am a resident of New York and covered under the FCRA and New York XXXX XXXX XXXX ( NY XXXX ) as a consumer. The errors in question have persisted before, during, and after the dispute process, constituting violations of state law, FCRA, and NY XXXX. I kindly request a thorough reinvestigation into the following discrepancies : Violation # XXXX : Notice to Delete Account Immediately XXXXXXXX XXXX XXXX XXXXXXXX : Incomplete Reporting : The account opened in XX/XX/XXXX, but there is no information reported until XX/XX/XXXX. The frequency of payments due is unknown this constitutes illegal incomplete reporting. Missing Information : Data of last activity, first delinquency ( stated as XX/XX/XXXX ), and terms frequency are absent. this constitutes illegal incomplete reporting. Incorrect Account Status : Despite being listed as a collection account ( status C ), there is no corresponding entry under the collections section. Creditor Classification : The type of business for XXXX is marked as unknown, which should be corrected. this constitutes illegal inaccurate reporting. Date Closed : The entry for the date closed is missing, and it should, at the very least, reflect the date the account was paid. Incomplete Account History : The actual payments made do not reflect accurately, with high credit showing {$0.00} and an incomplete amount past due in XXXX of XXXX entries. These discrepancies not only violate the FCRA but also indicate a failure to maintain reasonable procedures to ensure the maximum possible accuracy of my credit information, as required by 15 U.S.C. 1681e ( b ). I urge the Consumer Financial Protection Bureau to address these issues promptly and thoroughly. It is imperative that inaccurate and unverifiable information be either corrected or deleted from my credit report, in accordance with federal and state laws. This account is reporting illegally and needs to be deleted.
Product: Payday loan, title loan, or personal loan

Im not late in payments. Im toward the end of this loan term. In accordance with the Fair Credit Reporting Act this creditor Acima Credit has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also 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 account under an open end consumer credit plan as Late for any purpose. Acima are Violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX around the XXXX XXXX. I talk with the credit bureau about my credit is out of date. My credit card reporting payments has been incorrect information. Hard cord fell off my credit and made my credit go down. Incorrect late payment history being put on my credit is making my score go down. Its never been fixed. My credit card payments is still sitting from 3-4 months ago. I spoke with my credit card companies and they all say there is no late payments on my credit cards. I have statements that says there are no late payments from the last three months now. I just got a report from XXXX saying there was a late payment so my score drop, that is incorrect information. My score would be a XXXX then itll drop to a XXXX then for them to fix something it still wont go back up to what it wouldve supposed to have been when it was a XXXX. And there was a error on the report that made my scores drop.
Product: Debt collection

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

So my mortgage conpany is fredom mortgage. They are trying to tell me to pay XXXX now or break it up $ XXXX month for year for '' anticipated '' escrow being negative. They are any many other companies especially in XXXX RI are stating they want escrow upfront. XXXX  town hall charhes quarterly i went to town hall they stated that has not changed. The letter i received stating pay now or up {$200.00} starting XXXXwas received last week! I struggle paying XXXX month now XXXX month is going to be difficult. I know some have fixed thru this site and some fighting with their company. I am at a loss and do not want to lose my home. Ty XXXX
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft Crypto Hacker so I want to report this to FTC. After I contact to related department, they advise me to file a FTC complaint to help resolved this matter. On XX/XX/2021, I signed up with Coinbase Company to invest in crypto. Very shortly after that on XX/XX/2021 at XXXX am, someone hacked into my Coinbase account and took {$6000.00} cash credit in my Coinbase account. At XXXX am XXXX XX/XX/2021, they used that cash to purchase Bitcoin and transfer the coin to their account, in short, they stole {$6000.00} cash credit from my Coinbase account. At the same time and date, they also hacked and stole XXXX XXXX XXXX anXXXX XXXX  XXXX XXXX from Coinbase. On XX/XX/2021, at XXXX Pm, I contacted Coinbase via Coinbase website and informed them about the hacked. XXXX XXXX, they emailed back saying they closed the case. Please help, thank you.