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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX  XXXX # XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX  XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

See attached dispute by XXXX XXXX to Mr. Cooper 's XX/XX/20 dispute response, along with referrenced evidence not uploaded to the CFPB Portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX  Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The day of XX/XX/XXXX I went to Gap at the Mall XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I was asked if i was interested in getting a Gap credit card, I said yes! 
They made a credit inquiry check on my credit and I was approved. 
They gave me a new Gap credit card! 

I came back the day of XX/XX/XXXX for shopping at the same Gap Mall at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. They ask me if I have a Gap credit card I say yes but I didnt bring it with me, I left it home. They ask me to just give my phone number, name and all informations so they can find my credit card, I give them all the informations. They told me they cant find my credit card, so I may not have one. I told them i do have one, its at home. I didnt understand why they couldnt find my information on their computer. 

They use all the information I gave them, instead of finding my Gap credit card information, they made a second time a credit inquiry on my credit. A week later I received a second credit card form Gap. 
Which is not good for my credit report. 

I call the company and tell them what happen and needed to be fixed, they told me their is nothing they can do about it. When it's done, there's nothing they can do. 

I want XXXX XXXX to take full responsibility of what they did to my credit report and fix it as soon as possible. 

Thank you
Product: Credit reporting or other personal consumer reports

A few fraudulent accounts are reporting my on credit report. I have attached a new FTC report along with my DL and Passport. I have contacted the credit bureau regarding these fraudulent accounts on my credit profile and also sent the document via mail back on XX/XX/year>. I gave them 15 days and called back to be told by the agent that they did not receive anything. They also told me to get a new FTC report. This situation has caused serious headaches. I had to go to the XXXX pharmacy to purchase XXXX.
Product: Debt collection

Currently Midland Funding LLC is reporting on XXXX and XXXX XXXX reports for the amount of {$620.00} from XXXX XXXX XXXX XXXX XXXX  opened on ( XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX ). Account status on XXXX is reported as XXXX, on XXXX reported as XXXX. Upon reviewing my credit report I noticed I do not know the original creditor, nor have I ever had an account with a XXXX XXXX. I sent two letters to Midland Funding LLC asking for debt validation. The first one was sent on XX/XX/XXXX the second one was sent on XXXX XXXX. I have yet to receive any response, and the debit is still showing on my credit report.
Product: Checking or savings account

Previous complaint sent to USAA. Acknowledged they had received and were sending to office of CEO. However this is not moving in an immediate manner. My phone has been disconnected, my bills need paid. I can not go to my doctors nor feed myself and my animals. I suffer from a XXXX XXXX and USAA has every right to close account due to my mistakes, however they do not have the right to withhold my only source of income ( SSDI  ) nor do they have the right to inflict pain and suffering on my part. The bank suffered no lose of funds, nor did they suffer any damage
Product: Money transfer, virtual currency, or money service

Hi. I received to emails today XX/XX/2021 saying I created an account with Transferwise & that I sent money. I did neither of these things and this company has no contact info so I cant get into contact with anyone. My email used is XXXX. {$620.00} dollars was sent to someone named XXXX XXXX. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX ( Original Creditor : XXXX XXXX IN ) 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

On XXXX XXXX, XXXX, someone presented a check for cash which was debited from my bank account. It was a small amount of XXXX dollars. I contacted my bank and they quickly put the money back into my account. The bank and I agreed that the account numbers were just XXXX digit different and the customer 's signature overlapped that digit to make it to look like an XXXX instead of a XXXX. 
On XXXX XXXX, XXXX the same thing happened again. The same customer presented a XXXX dollar check for cash.with the signature overlapping that same digit to make it look like an eight.This time I was given an overdraft fee of {$35.00} plus the {$20.00} check amount debited from my account. 
The bank again said this was an error and quickly took the overdraft fee off and promised to put the {$20.00} back into my account within 24 hours. 
The first time this happened, I would say it was a mistake of the teller. It would almost be impossible for this to happen again with the signature covering that same digit to appear as another digit. 
I believe someone is taking small amounts of money from customers at my bank. 
Please look into this. This bank is Astoria Bank, XXXX XXXX XXXX, XXXX, New York XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time XXXX fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. XXXX account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with Equifax, XXXX and XXXX but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from Equifax, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a zero balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681b permissible purposes of consumer reports. Inquiries have to have a permissible purpose. 

I did not authorize XXXX XXXX to do a hard pull on my credit dated XXXX XXXX, 2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am deeply concerned to find several accounts on my credit report that do not belong to me. These fraudulent accounts are causing significant distress and are preventing me from securing essential credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently plead for their immediate removal. Please expedite the investigation and correct my credit file as soon as possible. Thank you for your prompt attention to this alarming matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have been on student loans that were not mind for over 15 years. This company changed information and consolidated loans without my knowledge and changed incorrect information to suit this company. It's sick! 

This company has agreed to removed my name off these loans that are not mine, and failed to follow through. 

These loans have ruined my credit not allowing me to use my credit. They have forged legal contract documentation and is not held accountable. 

I have the right to have my cased looked at again. The attorney generals office sent a letter on my behalf, XXXX  XXXX office has sent a letter on my behalf and navient does nothing. I have a signed divorce with a with a judge signature to remove me and navient does nothing. 

Navient policy states a co signed can be removed after two years of on time payments. Two years are completed and they still refuse to remove me. 

I don't understand the need to keep me on loans I did not agree to be on, how is this not illegal how do they get away with it! How can they ruin a single mom of XXXX kids ability to provide for them. HOW IS THIS LEGAL! 

And for the CFPB how do you allow a simple answer from a company determine creditably??? Of course this company doesn't want to take responsibility I thought that is what the CFPB is for to help the consumer!!!!
Product: Credit card or prepaid card

I was at the grocery store when my card was declined. I called customer service and was told that my account was permanently suspended and I was immediately hung up on.The Amex XXXX and Customer service line have been of no help and I still have money in there I need to pay rent food medication etc. 

Prepaid card name is Bluebird This happened XXXX XX/XX/2021 I have a balance of {$490.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : XXXX XXXX XXXX Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$0.00} from XXXX XXXX XXXX XXXXXXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage with Bank of America. Modified on XX/XX/XXXX.through their ( BA 's ) Loan modification program.My contract was structured for staggered interest rates that reached their maximum XX/XX/XXXX@XXXX ( XXXX ) until XXXX XXXXXX/XX/XXXX of XXXX. The final payment on XX/XX/XXXX will be XXXX.
On XXXX XXXX I starting adding XXXX dollar to my payment to accelerate the payoff and in XXXX of XXXX i made my payment ( I was told subsequently that i paid it one day too early and it went completely to principal ) .. I made 3 calls to 5 people @ BA that assured me it was corrected. A couple days later I received my newest bill from BA and it said that my payment l had been raised {$2.00}. After 3 calls and 5 people later i was told it was corrected and that my next statement would reflect my correct payment ( XXXX ). I received my latest bill from BA XX/XX/XXXX. payment was raised XXXX per month. I called BA 2 times before strongly insisting on speaking with and officer of the bank. I was given VP XXXX XXXX XXXX. I have left 3 messages over 5 days, no response. today I went online and my account acknowledged my XXXX payment but surcharged me XXXX.
Product: Checking or savings account

Between XXXX XXXX XXXX I wanted to stop the overdraft because my account would go in the negatives and even if I replace it with what was in my savings, i was still charged overdraft fees. Most of the time I would replace what was taken almost immediately and then have to pay the overdraft fees on top of that. This has been happening since XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX Secured loan Balance : {$810.00} ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX Secured loan Balance : {$6200.00} ACCOUNT NUMBER : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.
Product: Mortgage

I attempted to refinance with Freedom Mortgage and I sent them all the documents they requested. In XXXX of XXXX I was scheduled to close on the refinance and Freedom Mortgage on the day of cancelled. They claim they need more documentation. I gave everything I could provide and they continue to request more and more. I never closed on the refinance and mortgage payment remain high causing me to experience an hardship.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX XXXX -Date of inquiry : XXXX
Product: Mortgage

I have applied for the XXXXXXXX XXXX XXXX, and the application was process for a totally different program, and I was denied even though I provided proof which should have qualified us for the XXXX XXXX XXXX such as loss of income.
Product: Debt collection

received letter ( attached ) which failed to provide balance details. 

I have proof ( paperwork ) that I paid my toll balance on XX/XX/XXXX  which only showed an outstanding balance of XXXX.
Product: Credit card or prepaid card

An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with TD Bank. I have attached my W2, utility bill, and identity theft report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL, XXXX XX/XX/year> LVNV Funding LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation Account Number : XXXX Dear LVNV Funding LLC, I am writing to demand the immediate deletion of any collection entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. 1681 section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified a collection entry that was inaccurately reported and must be removed. Please be advised that this letter is a formal request for validation of the debt in question, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In accordance with the FDCPA, we request that you provide the following documentation and information to validate the alleged debt : 1. The name of the original creditor to whom the debt is owed. 2. A detailed statement of the amount of the debt, including the principal balance, interest, fees, and any other charges that comprise the total amount you claim is owed. 3. A copy of the original signed agreement or contract that establishes my clients obligation to pay the debt, including any terms and conditions. 4. An itemized statement showing all payments made towards the debt, credits applied, and the current balance. 5. Proof of your authorization to collect the debt on behalf of the original creditor, if applicable, including any assignment, transfer, or sale of the debt. 6. A copy of any judgment or court order ( if applicable ) that you claim authorizes this debt or the collection efforts against my client. 7. Proof that the statute of limitations has not expired on this debt, if applicable, including the date the debt was incurred and the last date of activity. 8. Any documentation or correspondence that demonstrates that my client is the correct debtor for this account. Additionally, please be advised that under the FDCPA, you are required to cease any further collection efforts until this debt has been properly validated. Furthermore, should you fail to provide the requested documentation within 30 days of receipt of this letter, you are required to cease any collection activities, including reporting this alleged debt to credit bureaus. If you are unable to provide adequate validation of the debt, I trust you will immediately remove any references to this debt from my clients credit report and cease further collection attempts. This letter is being sent to you in accordance with my rights under the FDCPA, and failure to respond to this request could result in legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. Please send the requested documentation to the address listed above. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My credit card payment was returned resulting in late fees and interest charges.
Product: Credit reporting

EXPERIAN HAS NOT UPDATED MY FIRST PREMIER ACCOUNT TO THE STATUS OF PAID COLLECTION OR PAID CHARGE OFF. I AM WORKING HARD TO RESTORE MY CREDIT AND NEED THIS INFORMATION UPDATED IMMEDIATELY!