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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXXXXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Experian contains inaccurate information. On a collection account, you can not report a late payment or a past due ; doing so is a violation. Due to incorrect information being published on my report, this has made me XXXX and prevented me from living my life to the fullest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX on report is showing I'm delinquent 30 days which is incorrect. XXXX has stated I'm not 30 days delinquent.
Product: Credit card or prepaid card

XX/XX/XXXX I realize I was the victim of identity thief. 
Later I found a charge on one of my credit cards from XXXX and I can not find that charge on my account I had called and they said also they couldnt see that charge and I gave them the card number and it turned out to be it was off of my ex fiancs I found that Had been using my credit cards without my authorization I did make FTC Report I also made a police report multiple times Ive called synchrony they asked for me to send in the reports I sent FTC, police report a. Exparte and or US postal change your residence her name to my address for fax dates I sent XXXX XXXX XXXX XXXX XXXX .XX/XX/XXXX Ive callMultiple times I get hung up on I get transferred I get left on hold Basically they said that because packages were coming to the house that wasnt fraudulent thats why I showed them the change of address I work late dont come home till about XXXX or XXXX XXXX XXXXXXXX had to livered packages between the hours of XXXX to XXXX XXXX I get emails from them letters my XXXX XXXX had set them off on my account but Im still getting bills for it. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Demand for Removal of Late Payments on Credit Report SS # : XXXX Re : Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my records.

I demand this item to be DELETED from my credit report ASAP.

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The late payments never happen. Delete account under FCRA 168 Under Section 168 FCRA this Late Payments Dated XX/XX/XXXX and XX/XX/XXXX does not match my records nor the original creditors records to what reflects on my credit report there-fore this item MUST be deleted under this law. If not, Attorney Costs & Court Action will follow.

My consumer report is extremely valuable to me and I wish to advise you that willful non- compliance is a violation of Section 1681n of the Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation. After your investigation please provide me with an updated credit report as well as the names addresses and telephone numbers of the individuals that have been contacted. 

Best, XXXX XXXX
Product: Prepaid card

XX/XX/2023, I have tried multiple times to make a purchase using through XXXX using AMEX gift card and is declined every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

At around XX/XX/2022, I received an alert for a change on my credit report. Upon researching this I identified a hard inquiry from XXXX XXXX XXXX I have not applied for anything recently, nor have I ever used XXXX XXXX XXXX  Upon calling the company it was brought to my attention that someone had used my identity to try an open up a credit card account. XXXX XXXX XXXX  directed me to complete a Identity Theft Report available on the Federal Trade Commission website which has directed me to this site to complete this form. Upon completion of this form I will send the necessary documents back to XXXX XXXX XXXX  in order to have this hard inquiry removed from my credit report.
Product: Checking or savings account

No check received from class action lawsuit for overdraft fees on my now closed account
Product: Debt collection

I received a call from XXXX XXXX claiming to be with the XXXX XXXX XXXX XXXX XXXX regarding an unsuccessful attempt to serve my daughter a summons for civil court. She asked that I pass a message along to my XXXX  with the following information. She was to contact XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to reschedule the civil court summons delivery. Due to the fact that in XXXX XXXX, FL our sheriff 's office serves all court summons, I asked for further information which she would not give me. I passed the information along to my XXXX. She did make the call and found out that it was a credit card company ( Commenity ) that was attempting to collect a debt they claim she owes from 2013. They explained that she would either pay in full or be sued and she had 24 hours to decide. The issue I have is when I called XXXX XXXX back, I got a recording to call the XXXX number. I hung up and called that number. The woman that answered asked for the case number I was calling about. I asked to speak with XXXX XXXX or XXXX XXXX. I was immediately hung up on and they blocked my number from being able to call them again. I asked my XXXX  to call ( while I was on the phone ) the woman answered and asked for the case number. I again asked to speak with XXXX XXXX or XXXX XXXX. We were put on a permanent hold.
Product: Credit card

I have a credit card opened with Chase Bank. Around XXXX on XXXX, I received two emails from chase saying I they had received a replacement card request and it will be delivered within XXXX business days. However, I did not make this request. So, I called Chase on XXXX and they verified my ID over the phone. Chase told me someone impersonated me over the phone and was able to access my account and add an authorized user in my sisters name. Again, I did not do this. Chase was able to cancel the fraudulent replacement card and send me a new replacement card. Also, they were able to tell me where the address of the fraud replacement card was being sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with Barclays, specifically the XXXX XXXX XXXX. 

Around XX/XX/2018, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with Barclays, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had Barclays sent any communication regarding this forthcoming charge.

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of Barclays resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with Barclays, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment.

Despite my attempts to rectify this issue directly with Barclays, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report.

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with Barclays and a copy of my credit report highlighting the disputed late payment.

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX settled a class action lawsuit and I was one of the consumers that was included in this XXXX XXXX. This company switched financing partners and new accounts were opened without consent of the consumers and it affected my credit negatively. I was not properly warned about the effect that this change would have on my credit. Learning of this made me very upset that this happened and contacted to company to close the accounts, I owed no balances at this time. After finding out that this company began to report the old account and new account as negative, I called them again and told them to remove the inaccurate fraudulent information from my credit report as I had not ordered anymore merchandise due to me learning that my account was switched. My request was never granted and I have been disputing the accounts for almost XXXX now. This company ignored my pleas to investigate more into the breach of my account even when I told them that I didn't received anymore items from their company and that the last item that I received from them was completely paid off. This has left me in an XXXX XXXX  and very XXXX. The negative impact has been affecting my credit for far too long and is being reported multiple times. This company also violated my rights to privacy by selling the fraudulent debt to another company with my personal information attached, while still reporting damages to my credit report. According to XXXX XXXX XXXX Laws, there should not be damages on my credit report as it is a deformation of my character.
Product: Credit reporting or other personal consumer reports

My transunion and XXXX reports both shows XXXX as my score but XXXX is not updating my score and shows XXXX. 
I have credit cards that are showing I owe full balance on that I have paid off or owe only {$20.00} on and that has not been updated. Without this information updated I can not get a house loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$77.00} XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$71.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$71.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but Experian XXXX and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX  $ XXXX-Balance XXXX-Open date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S Code 1681e ( b ) Accuracy of report. whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S Code 1681 i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall, i ) promptly delete that item or information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the investigation ; and ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts on my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

A few months ago I got a copy of my credit report online. I had seen that Credit Acceptance had been reporting the wrong amount owed. When I called the first time, a rep told me that i would need to submit a from on their site or dispute it with the bureaus. As time passed the amounts that were paid on the account weren't being reported correctly. Each time I would call about this balance I was told by a rep to dispute it instead of them just going over the payments and readjusting to the correct amount,
Product: Debt collection

I have a company that has called me multiple times a day within hours of calls they are calling again. I have had days where this company has called me as many as XXXX times.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. 

Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX - XXXX - XX/XX/XXXX. 

XXXX inquiry : XXXX XXXX XXXX XXXX These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX. 

I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.
Product: Debt collection

In XX/XX/XXXX I joined a gym named XXXX XXXX XXXX. During which time I lived at XXXX XXXX XXXX XXXX XXXX, XXXX, TN. The following year ( XXXX ) I moved to XXXX XXXX, TN. Expecting the move I cancelled my membership with XXXX XXXX XXXX ( XXXX ) and proceed to attend my local gym ( XXXX XXXX ). 

Over the past 4 months I have been called multiple times throughout the day and emailed with threats of being sent to collections for a gym membership with XXXX XXXX unpaid for {$120.00}. I have never signed an agreement with XXXX XXXX and they continue to harass me. I have not been to this gym or had an account with this gym for over 6 years. Please assist, thank yo Im advance.
Product: Debt collection

XX/XX/2020 I received a letter from Malcolm S Gerald and associates based out of XXXX but they have an office in XXXX, IL. I called them spoke to the supervisor explained to him that due to COVID I was laid off and wasnt able to pay. The hospital I was in said I wouldnt have to pay for anything since they did help people who made less than a certain amount. Never heard from them until XX/XX/2020 received a text that I NEVER opted in for called back the guy was so rude spoke to me in a very unprofessional way made a comment about me being hospitalized and I hung up I dont owe them anything when the hospital said I didnt I want them to stop bothering me and no one should be going through this harassment from a so called collections company. Were in the middle of a pandemic people are laid off.
Product: Mortgage

CFPB Consumer Financial Protection Bureau Date : XX/XX/XXXX What happened? In XX/XX/XXXX we closed on our home. We were offered a mortgage payment that fit our budget and moved forward with the purchase of our home. In XX/XX/XXXX we were notified that our house payment would increase by 39 % due to what the mortgage company referred to an escrow shortage. I am familiar with what I would call a normal and explainable increase in taxes and/or insurance that could make the mortgage payment go up or down but not by 39 % for one year and then, for the life of the loan 16 % which would now make our home unaffordable. It is most likely, had these numbers be accurate from the point of origination of the loan, we would have not qualified! 
I believe the mortgage company and/or the servicing company is not being honest with the mistake that was made at the origination point of our loan. This mistake was through no fault of our own and has jeopardized us being able to keep our home! We have lived in our home less than one year and find ourselves in an awful position. We moved from our home of 15 years, moved our kids and established new neighbors and friends. This has created an unbelievable amount of financial stress for my family with no explanation from either the mortgage company or the servicing company as to why such a large increase? I would like to believe that someone made an honest mistake but Im left to believe that this mistake was intentional, fraudulent and predatory in nature. Our finances are suffering ; credit worthiness is dropping because of someone else mistake. Your attention in this matter is appreciated. Sincerely, XXXX XXXX
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, who's studying 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX closed student loan accounts showing up and they were paid and Ive contacted the creditors to remove the inquiries, I also am needing to dispute recent inquiries
Product: Checking or savings account

I had deposited 2 checks for XXXX and XXXX and citizens bank took it upon it self to return the money
Product: Debt collection

I rented a house for 9 years and after moving out XXXX XXXX management of XXXX XXXX sent me to collections for {$12000.00} stating I was responsible for things that were normal wear and tear ( carpet, paint, flooring ). This was not a judgement on me and I disputed this with XXXX XXXX XXXX, the collection agency PlusFour INC and all XXXX credit bureaus XXXX, XXXX and XXXX twice. All disputes came back as saying the debt belongs to me. It doesn't, I have stated many times that this was normal wear and tear and am not responsible for the upgrading of the house. I can not get this removed from my credit reports and it needs to be removed.
Product: Credit reporting or other personal consumer reports

Idiotic and ridiculous explanations from this fraudulent company THEY RESOLVED NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J