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

I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the  online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
Product: Credit card or prepaid card

I called in XX/XX/2021 to cancel my account with Citi because I did not want to pay the annual fee ( {$95.00} ). The customer service agent on the phone offered to provide a credit in the amount of the annual fee, plus would provide XXXX points if I met a spending requirement. She phrased it as {$3000.00} over the course of three months. Citi did not send me any confirmation other than one that said that I would keep my account open. 

Two months later, I checked with Citi about this issue, because I had met the spending limit as explained to me. The agent, over Citi 's app, told me that the offer was not {$3000.00} over three months, but {$1000.00} per month for three months. And the point bonus was not XXXX but XXXX. It is possible that the agent I spoke to over the phone in XXXX was mistaken but I am not. I did not care that much about the points, though, and assumed I would be able to meet the required spending. 

This weekend I noticed that I had not received a {$95.00} credit. I checked with a Citi agent, who told me I had failed to meet the requirements. This is, for one, not true, because all my statements totaled over {$1000.00} since the start of the year. But it also is not true because I managed to spend {$3000.00} over three months as required by the original offer.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit reports all 3 bureaus and noticed inquires accounts on my file that are not mines not authorized not verified The accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to my XXXX XXXX XXXXXXXX bill pay page to send a XXXX day financial gift to my son XXXX XXXX. I had often sent such a gift through XXXX XXXX XXXX to his XXXX XXXX account. This time instead of seeing his name listed under recipients I only saw " son. XXXX XXXX. '' No name - no account number. This was too vague and so I went to Zelle. I felt this was a newer service now being promoted by XXXX  XXXX XXXX so I went to their site. I started to fill out information but when asked for numbers on accounts I needed to check the cards and in moving to retrieve the cards the page clicked off on my tablet and I was not able to complete the transaction. I never gave information finally or approved the transaction to close. I still needed to send the gift so I called Zelle customer services to complete the transaction. Following instructions from someone purporting to be a Zelle agent I tried to complete the transaction. Too long on the phone, too many convolutions- including sending money back to myself and trying to verify my identity with requests to go to bitcoin and provide credit card info - I became suspicious, frightened and stopped communicating. 

I have been a " preferred customer '' of XXXX XXXX XXXX for almost XXXX years. I have trusted them and they have never violated that trust that I know. I went to Zelle only because they were posted on the XXXX XXXX XXXXXXXX site and based on the trust engendered by years with XXXX XXXX  XXXX. If I was " tricked '' into a scam I still believe the money- which was taken but never sent to my son- should be refunded to my account. Zelle is positioned prominently on the XXXX XXXXXXXX XXXX bill pay site and now I come to find out that XXXX XXXX XXXX owns Zelle and this kind of scam is known to the bank and on the rise. 

I am a law abiding person, an innocent and perhaps naive person, but I am not schooled in the ways of criminals and thieves. I put my trust for stable financial transactions in the hands of the bank and the government. I expect some level of protection from such illegal actions or at least some level of accountability on the part of agencies whose business deals with these challenges. I don't know scams nor do I have a cadre of experts engaged to root out such transgressions. I need honesty and fair play here - I am a widow trying to send a XXXX gift to her XXXX child - accountability is not too much to ask in the spirit of this season. Refund the money, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information is incorrect on my credit report, too many names and different address are tagged with incorrect information
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXX  XXXX fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXXXXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. 

XXXX XXXX XXXX XXXX XXXXXXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. 

I have contacted XXXX and submitted additional support documentation using experian.com/upload, which involves a Report Number of XXXX, but I am unable to get a confirmation of the submission on my account home page. 

For Equifax, I noticed XXXX Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed. 

For XXXX, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. 

Enclosed are the following Supporting Documents : A copy of the Police Report. 
A copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ). 
A copy of the FTC Identity Theft Report. 
A copy of the Identity Theft letter. 

The credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I submitted a number of disputes through Equifax 's online center. The report # is XXXX. I can not get a hold of a person over the phone nor does the system allow me to access the findings of the disputes. My ID has been stolen and I'm afraid there are things on there that aren't accurate. It's been 2 1/2 months. I also requested that they MAIL me a full and complete copy of my credit report and have yet to see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I see this account reporting erroneous information and unverifiable. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log into Vet.gov and it sent me to XXXX which would not verify my drivers license or the questions they have on their website. They told me that, Experian, a credit monitoring agency had not enough information about my date of birth. I called Experian and all they did was give me a hard time instead of correcting the problem. They only had my year of birth only but not my day and month of birth, and they would not correct the problem. But I also question why is a Veterans Administration 's  government website Vets.gov and XXXX using information from a a credit monitoring agency, Experian, without my permission. This needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to ask Transunion and XXXX  to remove fraudulent credit inquiries after an agency illegally ran my credit WITHOUT my approval. I was told I had to give my social security number over the phone so they could verify me before they could answer any questions about my inquiry when I was only CONSIDERING refinancing my home of 35 years. I told the phone agent that I would comply since that was their business policy, but I was NOT giving permission to run it. 

The agent lied to me, ran it anyway and later called me and said he had come up with a great package for me! I was surprised and disturbed, but he sad he hadn't understood me ( he said I must give him my social security number to verify me over the phone, I did not give him permission to use it ), but not to worry it was only him pulling it and the deal was great! I was even going to get money back! He told me he would email the loan package and I should sign, but not tell anyone what a great deal I got. 

Later on, after I showed the package to my daughter, she told me to not sign it because the phone agent offered me excessive, cutthroat rates of nearly 30 % interest! A while later when she looked at my credit, my score had dropped severely. She explained it was due to all of the hard inquiries. After that, it became a consistent problem - credit card agencies, auto dealers, etc. Sometimes, multiple times a month my XXXX XXXX showed hard pulls that I never contacted or gave permission to. My score was in ribbons! I tried to get them off but was overwhelmed and confused. I was told to call each company, which I did. Many are still on there. They told me even if they did not have permission from me that it was a common practice and they would drop off after two years. That is unfair to me. Here is the list from Transunion. I never gave these companies permission to check my credit and feel my information was passed around without my knowledge or consent. XXXX  's is in the next box due to space : XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX XXXX  XXXX, MD XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX, RI XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Detailed Description of Investigation Process Dear CFPB, I am writing to formally dispute inaccuracies on my credit report related to the account detailed below. I have identified discrepancies regarding late payments that are not consistent with my payment history. My last dispute on this matter was filed on XX/XX/XXXX, but the issues remain unresolved. 

I request a detailed description of the investigation process followed by your agency, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ). Credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX High Balance : {$5000.00} Last Verified : XX/XX/XXXX ( Discrepancy : Missing in XXXX ) Closed Date : XX/XX/XXXX ( Discrepancy : Missing in XXXX ) Account Status : Closed ( Discrepancy : Both TransUnion and XXXX show " Closed '' ) Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on TransUnion and XXXX. XXXX did not report these late payments. 
I have consistently paid this account on time, as reflected in my personal payment records. The consumer reporting agencies are required to report information with complete accuracy. These late payments are inaccurate, and I am requesting an immediate correction of this information to reflect " Paid As Agreed Never Late. '' Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : The account 's payment history constitutes a transaction between the consumer and the reporting entity and must be reported accurately. 
15 USC 1666 ( b ) : Agencies must ensure that periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed information and correction of inaccuracies.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies. 
To support my claim, I have attached copies of my bank statements and payment confirmations for the disputed months. These documents verify that all payments were made on time and in full compliance with the agreed-upon terms. 
Request for Action : Investigate the late payment inaccuracies and update the account to reflect " Paid As Agreed Never Late. '' Provide a detailed description of the investigation process, including the steps taken to verify the information. 
Provide documented proof of the late payments, including dates, amounts, and relevant communication. 
Update my credit report to reflect accurate information within 30 days, as required under the FCRA. 
If you can not provide evidence to support the late payments, I expect the account to be updated promptly. Failure to comply with the legal obligations outlined by the FCRA, Consumer Protection Act, and Truth in Lending Act will leave me with no choice but to escalate this matter further. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have a loan with XXXX ( 07 NATIONAL COLLEGIATE TRUST ). I have always made my payments on time. For some reason I realised that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX ( 07 NATIONAL COLLEGIATE TRUST ) with no successful resolution. XXXX, XXXX  and XXXX  only reporting me late. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I legally changed my first, middle, and last name. I have sent Experian the name change paperwork more times than I can count over the past year. They keep refusing to change my name on my credit report and consumer account no matter how much documentation I send them. I really need to use Experian Boost to work on my credit, but alas I am barred from the service. I changed my name because I am XXXX, so this kind of discrimination is outrageous. I have called them at least 20 times and faxed over my paperwork at least a dozen times. Experian does not care. All my banks have my new name on my accounts, yet Experian will not update it or let me use their credit repair services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Removal of Unauthorized, Non-Permissible Inquiries Dear Sir/Madam , I recently obtained a copy of my credit report and noticed several inquiries that I have no knowledge of, which I believe were made without my consent. I have not applied for any credit in the past 18 months, and I did not authorize these inquiries. I am concerned that my personal information may have been misused, and I am requesting that these inquiries be removed from my credit report. 

According to Section 604 of the Fair Credit Reporting Act ( FCRA ), all inquiries must have a permissible purpose for being made. As I have not applied for any credit or initiated any transactions with these companies, I am requesting proof that these inquiries were authorized or have a permissible purpose as defined by the law. Without this proof, I ask that these inquiries be deleted immediately, as they do not meet the necessary requirements for reporting. 

The inquiries in question are as follows : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX I have contacted these creditors, and they have failed to provide any written authorization or documentation proving that I initiated these inquiries. According to the FCRA, if any information is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted. Therefore, I respectfully request that you delete these unauthorized inquiries from my credit report as they do not meet the standards set by the FCRA. 

In addition to the above, I would like to emphasize that I have not applied for any credit in nearly two years. The unauthorized inquiries listed above are a serious concern for my security and privacy, and I would appreciate your immediate attention to this matter. 

Please send me an updated copy of my credit report once these unauthorized inquiries have been removed, as required by law. 

Thank you for your cooperation in resolving this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as XXXX XXXX XXXX XXXX /XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against IC System due to their failure to respond to my debt verification request in a timely manner, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I sent a dispute letter to IC System via USPS-certified mail with tracking number XXXX. The letter was delivered on XX/XX/year>. In my letter, I requested the following information : a copy of the contract, as I need to understand the terms of the alleged debt ; a copy of the purchase agreement, as I question whether IC System actually owns this debt ; and account statements, including the last statement showing a XXXX balance and all subsequent statements up until the point where the amounts owed reached {$150.00}, {$640.00}, and {$560.00}, so I can understand how the charges were calculated. 
As per the FDCPA, a debt collector is required to provide the requested information within 30 days of receiving a dispute. To date, I have not received any response from IC System. This lack of response constitutes a direct violation of the FCRA and FDCPA, which mandate that debt collectors must provide verification of the debt upon request.

I am including a copy of my dispute letter sent to IC System on XX/XX/year>, and the USPS-certified mail confirmation showing the letter was delivered on XX/XX/year>, as evidence of my claim.