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

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
Please delete these items listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by TransUnion. Despite my previous submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), these accounts remains on my TransUnion credit report. 
Upon discovering this fraudulent accounts, I contacted the associated company, which confirmed the fraudulent nature of the accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent accounts continues to be reported by TransUnion despite being removed by the other credit bureaus. 
counts in Question : XXXX  XXXX XXXX and XXXX  XXXX XXXX.
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 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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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 responsible costs to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While using XXXX XXXX I was told several times my credit report would not receive a negative his as I was working with XXXX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, XXXX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point XXXX still kept the account closed and did not remove the negative credit hits on my report.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXXXXXX XXXX XXXX XXXX} It overdrafted my account so now I owe a overdraft fee of {$29.00}. 
This has happened several times and they have charged different amounts each time. 
I have requested them to stop they took money in XXXX XXXX XXXX XXXX XXXX This is not my loan and I didn't sign anything. Explore Credit is an XXXX XXXX 
I am a XXXXXXXX XXXX and this is not right. I have even sent them a letter asking for them to stop. They are very sneaky and need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : URGENT TransUnion Violating FCRA by Delaying Investigation Beyond Legal Limits Message : I previously submitted a dispute regarding inaccurate information on my personal credit report, and TransUnion responded by saying they need 60 days to investigate. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must complete dispute investigations within 30 days ( or 45 days in special circumstances ). 

TransUnion is violating my federal consumer rights by exceeding this legal timeframe. 

I demand that TransUnion : 1. Complete my dispute within the legally required 30-day period.

2. Provide documentation proving the disputed items are accurate or remove them immediately.

3. Explain why they are falsely claiming 60 days, which is non-compliant with the FCRA.

If this matter is not resolved within 15 days, I will escalate this to : The Federal Trade Commission ( FTC ) for regulatory violations. 
My State Attorney Generals Office for consumer rights violations. 
A federal lawsuit against TransUnion for FCRA non-compliance. 

I expect immediate action from the CFPB on this matter. 

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

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit card

Beware of Bank of America and their auto-pay features! 
In XXXX of XXXX I received a notification of a late payment on my Bank of America credit card. I went into the branch and they said I missed the payment and to avoid late payments in the future I should sign up for auto-pay! I explained I've ALWAYS been enrolled in auto-pay! They said that somehow I had gotten " bumped off '' of auto-pay and they said they'd re-enroll me. They apologized, said they didn't know how that had happened, but that it was fixed. They also admitted it was their system and they would remove the late payment. I didn't follow up as I trusted that they would follow through with their efforts, particularly because it was their error. Then in XXXX of XXXX I had an issue with my debit card and fraud ( that is used for the payment to the B of A credit card payment ). I was issued another card and gave it to BofA but that one ended up accidentaly getting canceled by XXXX XXXX, the issuer. They then sent me another card and I put that one into the auto-pay but apparently the payment was not pulled. When I got the notification of the late payment I called and it was 31 days late and I had been un-enrolled AGAIN from the auto-pay feature for the second time. I now have two late payments on my credit report with Bank of America ( through no fault of my own ) and Bank of America is not removing them which, despite a high credit rating is interfering with my business credit plans. I need XXXXXXXX XXXX XXXXXXXX to take responsibility for their errors and to remove these late payments from my reports.
Product: Mortgage

The mortgage company gave me three options repayment, forbearance and foreclosure. The repayment method did not work out because I missed a payment. I am on a fixed income and my wife does not work.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Lendmark Finacial for Failure to Reinvestigate Disputed Credit Report Information and Correct Inaccurate Information being Reported to the Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Lendmark Financial Company for failing to properly investigate and correct inaccurate, incomplete, inconsistent, and unverifiable information they are reporting to XXXX, XXXX, and XXXX such as incomplete payment history, inconsistent account status. The company is reporting recent late payments despite the account being charged off and reporting as a write off. I have not received any bills for this account in over a year, yet they continue to report new delinquencies ; all of my credit reports have different information. Despite multiple disputes made directly to the office by phone, by email and requests submitted to the credit bureaus, the company continues to report the same incorrect information. Please delete this item from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of credit information, such as Lendmark Financial Company , have a legal duty to provide only accurate and verifiable data to the credit bureaus. Their failure to properly investigate my disputes violates these legal obligations.

Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a furnisher is notified of a dispute by a credit bureau , they are required to delete this item from my credit report Lendmark Finacial refusal to properly investigate despite their continued reporting of disputed information is a direct violation of these provisions and is causing me to be denied housing and additional sever financial hardship I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Lendmark Financial complies with the FCRA. Additionally, I request that the CFPB hold them accountable for their failure to uphold consumer protection laws.

Please advise on the next steps regarding this matter. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2023, somebody hacked my Wayfair store account used my store card and made purchases that resulted in deliveries to Georgia and Florida addresses. I als made a police report in regards to these fraudulent charges. I called Wayfair store, notify them of the fraudulent charges and purchases as well as contacting Citi Wayfair card in XXXX disputing all the charges that showed up on my account I received notifications stating that they resolved and removed all the charges. However, I am somehow still trying to be collected upon to charges that were made on XX/XX/2023 one in the amount of XXXX and XXXX totaling {$510.00}. I called Citi back, notified them of the error in which they were supposed to continue their investigation into why it was not resolved and why it was still showing up. However, now I am receiving additional statements stating that my payments are behind for this amount as well as phone calls, stating that I have delinquent payments that are due, and from my understanding, I was not supposed to receive any additional bills, and that this was going to be taken care of. Now this is starting to not only impact my personal life. This is now starting to impact my credit.
Product: Credit reporting or other personal consumer reports

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. This is the second time I have notified your consent about this issue and this is a direct violation of my rights after you stated in the previous case that all addresses except my legal address have been removed. I will consider contacting an attorney and suing your company if this issue is not resolved properly and promptly. Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IRS withdrew my tax lien and the CRA are refusing to remove from my credit report
Product: Debt collection

Dear MoneyLion I am writing in response to your recent communication regarding the collection of an alleged debt. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt you claim I owe. Specifically, I request the following information : 1. Proof of the debt : Please provide documentation verifying that I owe the debt, including a complete accounting of the amount claimed. This should include how the balance was calculated, including interest, fees, and other charges.

2. Verification of ownership : Provide the name and contact information of the original creditor, along with proof that you are authorized to collect this debt on their behalf.

3. Documentation of payment history : Supply records that outline the original agreement I made with the original creditor, along with the payment history associated with the alleged debt.

4. Proof that the debt is not time-barred : Confirm whether the statute of limitations has expired on this debt and provide the date of last payment. 
5. Evidence of debt assignment or sale : If applicable, provide documentation that clearly establishes the transfer of ownership or assignment of this debt from the original creditor to your agency.

Under the FDCPA, I have the right to dispute the validity of this debt within 30 days of receiving your initial notice, and you are obligated to cease all collection efforts and reporting to credit bureaus until you provide this validation. Please also note that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information reported to the credit bureaus.

Failure to provide adequate validation within the 30-day timeframe will result in my request that the alleged debt be removed from my credit reports and that no further collection attempts be made. 
Thank you for your attention to this matter. I look forward to your prompt response with the requested documentation.
Product: Mortgage

I received my mortgage statement today. It shows I did not make a payment last month. I called customer service and she said there is no record of a payment made. My bank cashed my check to the mortgage company on XX/XX/2020. They also have {$380.00} listed as unapplied funds, which should have been applied to extra principle and she refused to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, and XXXX  is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXX XXXX XXXX were disputed in the past and then removed by 4he bureaus and XXXX  XXXX, XXXX XXXX  sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, equifax, and experian for their deceptive willful negligent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX  convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX  bank to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.