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

This Credit Reporting Agency are showing a XXXX  XXXX and XXXX  XXXX bankruptcy on my credit report they have stated that the data Furniture of information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court, and they have sent me a letter which I have attached, clearly stating that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate bankruptcies with other outside companies. I have challenged this information repeatedly with all the credit bureaus, and they have refused to remove the information from my report. These companies are falsely reporting this information and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in has cost me several opportunities for employment with very reputable. The display of this information also caused me to lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against the XXXX credit repair agencies for reporting fraudulent accounts and transactions on my credit report, which were made without my consent or authorization. These entries were not made with my permission, and I believe they are a direct result of identity theft. Despite my dispute and efforts to resolve the matter, the fraudulent information remains on my credit report, which is causing harm to my credit score.

This situation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which prohibits the reporting of information without the consumer 's consent, and 15 U.S.C. 1681c-2, which mandates the removal
of fraudulent information resulting from identity theft. Additionally, this is a violation of the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), which makes it a federal crime to use someone else 's personal information without their consent.

I demand that the fraudulent accounts and transactions be immediately deleted from my credit report. Failure to take action will result in further legal action and a formal complaint with the CFPB. 

I request that the CFPB : XXXX Experian, XXXX XXXX and XXXX for reporting fraudulent information without my consent and failing to address the issue. 
-Ensure that the unauthorized accounts and transactions are immediately removed from my credit report. 
-Enforce the relevant federal laws protecting consumers against identity theft and unauthorized use of personal information. 


Thank you for your prompt attention to this matter. 

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

I applied for XXXX XXXX Credit Card on XX/XX/2020. I was declined online with no explanation. The XXXX website stated I would received a letter in the mail. On XX/XX/2020 I received the letter stating the reason for being declined. The explanation states : " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts ''. This is not accurate information. I called XXXX XXXX at XXXX on XX/XX/2020. The person on the phone could not tell me which of my accounts the declination statement applied to. They also suggested to call the credit bureau Experian. I also called Experian on XX/XX/2020. They could not tell me which of my accounts had the statement and recommend to pull my annual credit report. I pulled my free annual credit report and on the file, no accounts have this statement.
Product: Credit reporting or other personal consumer reports

The Credit Bureau XXXX Trans Union ) has advised numerous times that these accounts have been verified, but no method of Verification has been provided. This is a clear violation of the FCRA, I have disputed this discrepancy 3 times already. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no action has been taken to address this issue, which is a direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, TransUnion is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation. 
TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that do not belong to me I have tried many times to get these accounts removed from the credit reporting agencies but it is still not done. I have never done business with any of these companies and this is effecting my credit negativity and it is stopping me from buying a home.
Product: Debt collection

The Bureaus is reporting inaccurate info on my credit report and i have sent 609 611 for verification and no response for the ammount of {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX... Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Westlake Financial. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

Hello, my name is XXXX XXXX, I am submitting a complaint with ERC Account # : XXXX ref # XXXX ( XXXX XXXX is Original creditor reporting on my credit report ). I called them to discuss a collection on my credit report and I had agreed over the phone to settle the account with the condition of them to REMOVE it from my credit report. Recently, I received a letter ( I have included ) and when I checked my credit report and score it still shows on my credit report. It not only shows on my credit report, but my credit SCORE has dropped almost XXXX points as a result of PAYING this account. I am very upset of this tactic of collection and them saying over one thing over the phone and doing something different once they received my payment. I believe this is unethical collections practices. This has caused extensive damage to my credit profile, I was qualifying to buy a home ( which is the reason I chose to pay this alleged debt ) and now this has greatly impacted my ability to do so, by drastically affecting my credit score. My score dropped from XXXX to XXXX. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

All number of companies had place hard inquires without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of fraudulent accounts and inquiries resulting from this breach.

Below are the details of the accounts and inquiries to be removed : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} XXXX. XXXXXXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit report.
Product: Money transfer, virtual currency, or money service

Just today, XXXX XXXX, I got an email that I can no longer use their services and I can't withdraw my funds and need to wait XXXX XXXX for me to access my money. They reasoned out that I violated their policy where in fact I did not do any transactions for few days, so what is my violation? I did not do anything in past days and they will tell me that I violated their policy? The sad thing is they go ahead and cut you off immediately without giving any warning or clear reason. It is in any law that holding any assets or funds without proper reason and explanation to the user is absolutely illegal. Well I'm not asking to restore my account, just let me withdraw all the money from my account and we go in separate ways. But if you are generous enough I would be glad if you can restore my account
Product: Credit reporting or other personal consumer reports

I requested my free annual report from all three credit bureaus. I received XXXX of my XXXX reports immediately except for TransUnion. TransUnion demanded that I submitt XXXX different forms of documents like utility bills, bank statements, etc all of which can not be more than XXXX months old. This is an absurd additional burden since the other XXXX credit bureaus had no problem with my identity. I do not live in the US although I still retain and use a credit card. Simply responding is a burden much less meeting their demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in dispute letters to the Credit Reporting Agencies to have this account removed and nothing has changed since. I have not received any feed back on whether the Credit Reporting Agencies are working on the disputes or anything. This is very unacceptable.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$6700.00}.
Product: Credit card

We've responsibly managed a credit line of {$20000.00} with Synchrony MasterCard for years. On XX/XX/XXXX, our house was struck by lightning causing extensive fire damage to our attic. On Wednesday, XX/XX/XXXX, we initiated an " early '' payment to Synchrony of {$11000.00} to free up spending on our credit card for extensive repairs while awaiting reimbursement from our insurance company. Despite Synchrony withdrawing the {$11000.00} from our checking account on Friday, XX/XX/XXXX, they suspended any use of our credit line ( even declining a {$2.00} autopayment to XXXX ) until Thursday, XX/XX/XXXX, at which time Synchrony only restored our credit line to {$7100.00}. Multiple attempts to communicate with Synchrony 's Corporate officers ( and XXXX 's XXXX who promotes this card to its members ) by phone, fax, and email have been unsuccessful and in reviewing comments on Synchrony 's XXXX page, it sounds like this is not an isolated incident.
Product: Mortgage

i have a mortgage loan with Ocwen Loan Servicing. Just received a letter from Ocwen indicating that as of XXXX XXXX, 2015, it will no longer service my loan and that all payment are now to go to XXXX XXXX XXXX. I called Ocwen to ask when i will get a letter from XXXX ( as Federal law requires ) but no one seemed to know what i was talking about. 

Federal law requires that both the old and the new servicer send a letter to the borrower. 
I am filing a complaint because i was told that Ocwen will stop accepting payments as of XXXX XXXX, 2015, but i have not been formally advised that XXXX will accept my payment. 
As you know, because scammers create phony companies and advise lenders to start making payments to them, several years ago congress enacted the law requiring both lenders to send a letter.Legitimate lenders generally send a joint letter ; the letter i receved was only from Ocwen
Product: Credit reporting or other personal consumer reports

I have paid off all my credit cards and consolidated my students loans into one payment. I have requested all 3 credit bureaus to update my credit report and provide me with a a new score. As of today, I am not seeing any changes. I want all three to provide me with the correct updated information.
Product: Checking or savings account

On XX/XX/2023 I had just gotten paid through my Chime ( BankCorp NA ) account and was getting gas. At the same time I got an alert that there was a {$610.00} withdraw that was taken out. My account had been hacked into. I called Chime and reported this immediately that this transaction was not authorizated, Instead of them stopping the transaction they file a dispute. They denied any wrong doing and would not return my money. I reopened the case and they still denied any wrong doing was done. I reopened it a thrid time and even sent a police report and they still will not return my money. I have called them several time and they will not let me talk with any one in their investigation department. They are refusing to help me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX/DEPT OF ED - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.
Product: Credit reporting or other personal consumer reports

As of a recent date, I noticed this account/collection on my credit I have no knowledge of, as well as inaccurate addresses and names on my report. I would like the following removed/corrected The correct name for my account should be " XXXX XXXX XXXX XXXX and the correct address should be " XXXX XXXX XXXX XXXX XXXX, CA XXXX '' Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX outdated Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX the following inquiries were not authorized 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly 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 fumish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of sevoral laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

I did a balance transfer {$3000.00} from shop your way XXXX XXXX bank to pay off {$3000.00} priceline credit card by barclays almost 45days ago. I contacted both XXXX and barclay. XXXX said they paid off the balance and barclays said they never recieved any funds. I will attach the email. 

XX/XX/XXXX Hello, I applied and was granted a balance transfer almost 3 weeks ago. I called on day 11 and was assured that everything was ok. I now owe XXXX on 2 cards. The previous one that has not been paid off and now XXXX shop your way. If it doesn t go through can you please cancel the request free of charge and/or put my balance back to zero? 

Response from XXXX XXXX XX/XX/XXXX We are responding to your inquiry regarding the balance transfer. 

Our records indicate a check payment was mailed to Barclays on XX/XX/XXXX in the amount of {$3000.00}. The check was cashed by the payee on XX/XX/XXXX. If the funds has not been applied to your account, you may request for a printed copy of the balance transfer check. Once you had received the copy of the balance transfer check, you may provide the payee with the proof of payment so they may open an investigation. 

Response from XXXX barclays XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX am Thank you for contacting us regarding your XXXX rewards Visa card. We can certainly address your inquiry regarding the payment that is not posted to your account. 
We apologize for the inconvenience this may have caused you. Upon review of your account, we do not show that a payment in the amount of {$3000.00} has been received as of today, XX/XX/XXXX. In order to further assist you and to help us resolve the issue, please reply to this message with the following information : Payment amount External bank routing number External bank account Payment method Date check cashed/funds taken Bank the funds were withdrawn from A copy of the front and back of the cashed check or money order should be faxed or mailed to : Fax : XXXX Customer Care XXXX XXXX XXXX XXXX, DE XXXX I forwarded this email to XXXX and did not get a reply. So now I owe XXXX on both cards plus a {$150.00} transfer fee while both are denying responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity theft is not being taken seriously and was not included in any reporting that USAA did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my USAA auto and property insurance company starring they would cancel my insurance because of what USAA REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
Product: Credit reporting or other personal consumer reports

I certified mailed a copy of a police report, and FTC affidavidt along with a letter explaining accounts that are on my consumer report that are a result of identity theft. This letter also included verification of my identity. The law states that the credit bureaus have four business days the block these accounts from my report. The credit bureaus continue to break the law and violate my rights under FCRA by not blocking accounts that are a result of identity theft from my report.