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

I am writing to demand your immediate intervention in blocking and removing fraudulent information from my credit report. My Social Security number has been compromised due to identity theft and a data breach. Attached to this complaint is the FTC Identity Theft Report I filed. Under 15 USC 1681c-2 ( c ) ( a ), the credit reporting agency is legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving my complaint. This has not been done. 

The following items are disputed and must be addressed immediately : XXXX XXXX XXXX XXXXXXXX The credit reporting agency has violated United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. Specifically, subsection ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, the agency is required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. This letter has also been shared with the Attorney General 's Office, XXXX XXXX XXXX XXXX and the Federal Trade Commission. Immediate attention to this matter is expected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Unauthorized hard pull. Where did they get this misleading information? This is unfair! DELETE IT IMMEDIATELY! 

Failure to comply with my request will result in legal action against the credit reporting agency. Each violation of my rights under the following statutes will incur statutory damages of {$1000.00} per violation, as specified in 15 U.S.C. 1692k : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance under 15 U.S. Code 1681o Civil liability for willful non-compliance under 15 U.S. Code 1681n ( b ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports under 15 U.S. Code 1681b Failure to follow verification methods under 15 U.S.C. 1681i ( 7 ) Violation of my right to privacy under 15 USC 1681a ( 4 ) Violation of information requirements under 15 U.S. Code 1681c This letter serves as formal notice that any delay in addressing my dispute will be deemed willful non-compliance and will be forwarded to my attorney for litigation. The credit reporting agency is legally required to handle my dispute without delay, regardless of assumptions about third-party involvement. Attempts to delay or deny processing of consumer disputes based on such assumptions are illegal.
Product: Debt collection

" Fbcs '' a financial services company. 
They call and ask if I'm XXXX, I say yes then they tell me my address and last 4 of my social and ask me again if I am myself. My complaint is them giving out my address and social to anyone who says yes. I get 50 calls a day asking if I'm XXXX XXXX or XXXX XXXX or XXXX XXXX and all I have to do is say yes, now I have this person 's full name, address and the last 4 of their social??? They're giving criminals a free identity to steal by doing this. This feels like a very wrong and imoral bullying tactic to me.
Product: Credit reporting or other personal consumer reports

What Happened : XXXX. Carrington Mortgage Services Reporting Error : In XX/XX/XXXX, I attempted to modify my autopay settings to ensure timely payment, but Carringtons mobile app misrepresented the status of my payment as successful. This was incorrect due to insufficient funds, and I was not notified of the failed transaction until weeks later. 
Upon discovering the issue, I immediately made a manual payment on XX/XX/XXXX, covering the missed XXXX payment and bringing my account current. Despite this, Carrington reported my XXXX payment as 30+ days late to the credit bureaus. 
I provided evidence, including app screenshots showing the misleading payment confirmation, communication records, and proof of my immediate corrective actions. Carrington has repeatedly refused to acknowledge the apps technical failures or correct the reporting. 
XXXX Credit Bureaus Failure to Investigate : I submitted disputes to XXXX XXXX XXXX XXXX and XXXX XXXX However, none of the bureaus conducted thorough investigations, as they simply deferred to Carringtons inadequate responses. 
Despite the detailed evidence provided, all three bureaus returned the same unsatisfactory results, with no changes to my credit report. 

Why This is an Issue : This late payment report is inaccurate and has negatively impacted my credit score and financial standing. 
The failure of Carrington to address the issue and the lack of proper investigation by the credit bureaus have compounded the harm caused by this error. 

My Actions : I have submitted disputes to Carrington and all three credit bureaus and provided substantial evidence, including screenshots and communication records, to support my claim. 
Carrington has dismissed my concerns, and the credit bureaus have failed to properly investigate the matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies on my credit reports, which I have previously disputed with Equifax, XXXX, and XXXX. Despite my repeated attempts to resolve these issues, I have encountered little to no results and continued financial hardship due to identity theft and credit reporting inaccuracies. I am seeking an urgent resolution and compensation for the damages incurred as a result of these inaccuracies and identity theft. 

I have diligently followed the official dispute process with the credit reporting agencies, providing detailed documentation, and highlighting the items that are not accurate, fraudulent, or related to identity theft. Despite my efforts, my credit reports remain plagued with incorrect information, making it challenging to secure loans, housing, and employment. 

The inaccuracies and the identity theft-related entries have not only tarnished my creditworthiness but have also caused severe financial stress and emotional distress. I have attached copies of the relevant credit reports, highlighting the discrepancies and fraudulent entries, along with the previous dispute correspondence for your reference. 

I respectfully request the following actions be taken to rectify this situation : A thorough investigation into the inaccuracies on my credit reports and the identity theft issues that have not been appropriately addressed. 
Urgent correction and removal of all inaccurate, fraudulent, or identity theft-related items from my credit reports. 
Notification to Equifax, XXXX, and XXXX to promptly update my credit reports with the corrected and accurate information. 
Compensation for the damages I have suffered due to these inaccuracies and identity theft, including financial losses, emotional distress, and any associated legal fees. 
I am fully aware of the importance of accurate and fair credit reporting, and I believe that the CFPB 's intervention is crucial to ensuring that my credit reports reflect a true and accurate representation of my credit history. 

I kindly request that this matter be addressed with utmost urgency, considering the significant impact it has on my financial well-being. I would appreciate your prompt attention and resolution. Please keep me informed of the progress and outcome of this investigation. 

I am willing to cooperate fully, providing any additional information or documentation necessary to facilitate this dispute and expedite the resolution process. 

Thank you for your prompt attention to this critical issue, and I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX Please delete for the inaccuracies and if unable to provide proof of investigation. 

2. I have been disputing this for the past months and nothing has been updated. Date opened still shows different dates. XXXX shows XX/XX/XXXX. Transunion shows XX/XX/XXXX XXXX Account Number : XXXX Please delete for the inaccuracies and violations of FCRA 611 ( a ) ( 1 ) ( A ) 3. I have been disputing this for the past months and nothing has been updated. Date opened still shows different dates. XXXX shows XX/XX/XXXX. Transunion shows XX/XX/XXXX XXXX Account Number : XXXX
Product: Debt collection

I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However your agency has failed to investigate & obtain due to your lack of response, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Product: Credit reporting or other personal consumer reports

Kindly remove this incorrect late payment entry from my account. I have a commendable track record of timely payments, and it is unjust for me to face repercussions for an error that is not my responsibility. I respectfully request that you promptly update my account to reflect the accurate information.
Product: Credit card or prepaid card

Hello, My complaint at this time Is against Citi cards  and getting a XXXX card. My application ID was XXXX. 
This is the second time I got a pre-approved application and got decline for getting a XXXX XXXX from Citi Cards. 

At this time, I feel the company is being racists since I have a last name of XXXX and they will not issue me a card at this time. 

Thanks so much for hearing me out XXXX XXXX
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Checking or savings account

On XX/XX/year> our XXXX account for XXXX XXXX XXXX was fraudulently charged {$1300.00} by a XXXX XXXX who we do not know. I immediately notified XXXX and our bank, Truist. Truist immediately rejected the charge back to XXXX but XXXX paid it anyway and not won't give our money back. Someone has called shortly before that saying they were from the fraud department of our bank and they must have spoofed the # because when I looked up the # on the internet while on the phone it was the correct #. As the conversation went on and we supposedly kept getting disconnected, I realized what was going on and got a notice about the charge. XXXX refused to refund the money because somehow this person was able to log into our XXXX account. I assume this was done somehow with all the connect and disconnect calls but we never authorized this charge. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and don't have tons of money to be able to eat this {$1300.00} We had to use our XXXX terminal, while this matter was being investigated by XXXX, so now we are not only out {$1300.00} because XXXX created a negative balance but we also collected {$550.00} in donations which XXXX has deducted from the {$1300.00} negative balance. They are supposed to be looking out for our interest as a business and they are not interested in further investigating this matter and returning all of our money, XXXX.e. the {$1300.00} plus the {$550.00}. They should have known this was fraud right away as we never keep any money in our XXXX account. As soon as an event is over, we immediately transfer out this money to our bank account and we have never paid such a sum of money to anyone through this account.
Product: Credit card or prepaid card

I used my Synchrony Accounts ( Value City and Synchrony Home/XXXX  ) for three " no interest '' promotional purchases which ended in XX/XX/XXXX ( For Value City account XXXX in XXXX ) and XXXX XXXX XXXX ( For Synchrony Home/XXXX  ). To avoid interest charges related to these promotional purchases, I sent payments via checks mailed by my online banking services to Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in the amounts of {$390.00}, {$1000.00} and {$390.00}, respectively ; however, upon reviewing my records, these payments were not applied to my account- resulting in erroneous interest charges to my accounted. 

Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, I have respectfully request all interest charged to my account related to the two promotional purchases and update my account balance with all major credit reporting bureaus ; however, Synchrony Bank has been unresponsive and mentioned to me via phone call " the interest will not be refunded. ''
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are not mineXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Asked for validation of this debt and they sent me info from an online payday loan company with no signatures. Just typed information with my name on it. That is not Validation nor is it proof that this is my debt.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) to address the violation of my federally protected consumer rights by the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned accounts, identified by Account name : # XXXX, have egregiously violated my rights as outlined in the FCRA : 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 emphasizes that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may include certain adverse items of information in a consumer report, particularly any other adverse item of information that antedates the report by more than seven years.

Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.

These violations not only compromise my privacy but also infringe upon the fundamental principles outlined in the FCRA. I request a thorough investigation into this matter and appropriate action to rectify these breaches. 

Thank you for your prompt attention to this serious issue. 

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

I currently have 54 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 54 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 54 inquiries should not be reporting on my Credit Report.
Product: Credit card

I applied for a new credit card from Bank of America, I got approved and it was shipped on XX/XX/XXXX. But I never received my card, since it says wait XXXX days on the email I received regarding shipping information. I tried to wait for couple more days. Then on XX/XX/XXXX, I found out there was a pending of {$700.00} on my credit card account without me activating the credit card. I did not know how they approved a card without activation. I called Bank of America Fraud Department and file a fraud Claim, since I did not know where it was being charged when it was still pending. But I never ever received my physical credit card. They filed a fraud claim right away, until XX/XX/year>, I received an email that they started investigating at XXXX, and they were done at in the morning and I was waiting for the result. I do not what they were investigating when the merchant was not even opened. Around XXXX, I saw the balance was backed on my credit card account again. It is pretty obvious, someone stole my mail with my credit card in it, and it is ridiculous that it got approved without activating it. I call the fraud department, and they said there were multiple declines. After I filed the claim, I found out it was in XXXX, XXXX where I don't go there even once a year. After they replaced the old credit card, I literally just received and activated at XXXX on XX/XX/year>. I did not know how transaction got approved, without activating it. The merchant is XXXX XXXX XXXX XXXX NY. I was at home at the time, I do XXXX XXXX and the most recent XXXX transaction was near my house.
Product: Credit reporting or other personal consumer reports

Experian has over the last 5 years continually refused to remove items from disputes using their app. Stating information updated, or information verified when in fact other bureaus have been removing the same information as unverifiable. The companies in question through direct contact have also refused or been able to verify said debt to myself and to third party repair services. Experian has engaged in illegal act s by gatekeeping negative items while attempting to push it's own alternatives to fix poor credit
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was exposed to an XXXX data breach and my information was stolen. And a theift applied for cable service in my name. I contacted Experian and explained to them the problem. and provided them proof. for some reason it still has not been removed. This issue is causing me housing and vehicle. My interest is very high. and it is effecting the quality of my life for me and my family.. 

XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/year> amount : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX is incorrectly reporting as open with a {$0.00} balance on my Transunion scredit report. 

I had previously disputed this account with Transuion to no avail.
Product: Credit reporting or other personal consumer reports

I've provided TransUnion ample evidence, such as the Federal Trade Commission Report to clearly state the XXXX fraudulent loans from XXXX XXXX and XXXX fraudulent credit cards from XXXX XXXX. The structure of TransUnion to help victims of fraud is flawed. TransUnion aren't aware of laws governing credit reporting. Thank you.
Product: Debt collection

The equipment and other cable boxes had been returned already, almost 3 years ago to their office. The receipts of that return had not been retrieved due to some unavoidable circumstance. Yesterday, for the first time, I received a collection notice in the total amount of {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX there was a hard inquiry on my credit from XXXX Of XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.
Product: Credit card or prepaid card

Since COViD started Synchrony bank has constantly reduced my credit limit. I received no notification of this happening but they claim its in their paperwork. I receive over the limits notifications from the credit reporting agencies every time it happens. I have been paying my card on time and they keep reducing my limit where I have to pay high interest because the balance is higher than the limit due to the m constantly dropping it.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX REMOVE THESE ADDRESSES AS THEY ARE NOT MINE XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX  Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XXXX