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

A few months ago I noticed incorrect information on my credit report that was not mine. After carefully looking through my credit report, I wrote a dispute letter to the top three credit bureaus ( XXXX, XXXX  and TransUnion ), on XX/XX/2021, sending it through certified mail though the USPS. 

After 45 days, I did not hear a response from them. However, looking into my credit report at this time, I noticed that the account details were changed to " Consumer Disputes ''. So at least I got confirmation that they received my letters on XX/XX/2021 by the USPS, and that they read them because my credit report indicated that they marked the accounts with " Consumer Disputes ''. 

So I sent a second set of letters, certified mail, to XXXX, XXXX  and TransUnion dated XX/XX/2021. USPS states that they received the letters on XX/XX/2021. 

Again, more than 45 days later, I have only received confirmation from one credit bureau, XXXX. They deleted and removed every single account, that I disputed, from my credit report due to inaccuracies and because they could not verify the accounts as mine. 

Once again, I am writing to XXXX  and TransUnion to understand why they are failing to comply with the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to open a checking and Saving account on XX/XX/2021 at XXXX XXXX XXXX 
They ask for driver 's license and utility bill to verify your account/identity. We spoke, account was set up with at deposit and I left the office. About two weeks later, my reporting company that announces credit activity sent a hard credit inquiry by made by XXXX XXXX XXXX, this was done without my permission or consent. I called the company on or around XX/XX/XXXX and asked to speak with a Manager. The staff left a detailed message and the following day I spoke with XXXX XXXX the manager which acknowledge the pull without my consent and apologized, however did not know how to correct the unauthorized pull. I would have questioned why ( this is not a loan and 2 points of verification were given ) a credit score hard pull was needed and not open the checking/savings account if I knew. This was not an application for a loan/liability situation, just a situation for EFT or direct deposit were low liability is found. The rep XXXX XXXX did point out that they had many come for loans due to low rates. My questions then looking back is -- -does XXXX XXXX XXXX pull without consent or letting their clients/members their credit scores so then they can make a move in business and then " upsale '' so they can make money from the customer. This sneeky behavior should be investigated immediately as it # 1 Harms my credit score # 2makes a business move with the Credit Bureaus best interest not mind, I am aware of how to fix my credit and don't need you. If you care to help me, you would include me. # 3Removes consent by the customer The application form has no place were I need to sign or initial on.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and an unauthorized account has appeared on my credit report. I am requesting that the following account be blocked and deleted immediately in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Unauthorized Account Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE LISTED ACCOUNTS HAS VIOLATED EACH OF MY RIGHTS. 

XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX INQUIRES XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT 15 U.S.C 1681c. ( a 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION AN OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SVEN YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our son was born in XX/XX/2020 and I was advised to place a freeze on his credit to avoid any identity theft issues while he is a minor. I sent the exact same letter, with all required information, including birth certificate, driver 's license, social security card, utility bill, etc., to all three credit agencies. XXXX  and XXXX seamlessly and promptly complied with my request and send correspondence confirming the credit freeze. Equifax did not comply with the request. I received a letter stating that a credit file did not exist under my son 's SSN, but in my letter I included, " If a credit file does not exist, please create the file and add the freeze. '' When I followed up with Equifax by phone, they gave me two additional reasons why they didn't comply : 1. my attached documentation was illegible, and 2. I did not include my social security card. Neither of these should have been issues either, because the other two credit agencies complied with the request with the exact same documentation, which was complete and legible. My issue remains unresolved with Equifax.
Product: Debt collection

Attempted to repay a reduced debt then received a letter that repayment options were lower. Interest continues to compound
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, We have a VA loan with XXXX XXXX services. In XXXX we knew we would have difficulties paying the monthly payment in full. We called XXXX to let them know it would be late. They recommended we do a loan modification. After lots of questions, we agreed. We were told to take XXXX and XXXX and not pay the mortgage while the reviewed and prepared for our 3 trial payments ( XXXX, XXXX, XXXX ). We were told all of it would be reported to the credit bureau as a part of the loan modification process and be grayed out, not impacting it negatively. 

However, when we went to get a new home loan we say that XXXX were included but not XXXX. Therefore, XXXX displayed a 90+ day late amount. As a military family moving to a rural area with limited rental options, we panicked and called the company to resolve the issue. 

We were informed they wouldn't fix it as nothing was misreported. So we submitted a complaint to the XXXX which finally got them to call us and investigate. We were sure after listening to the recording that they would amend the issue and include XXXX in the process, as we were told, and XXXX would be corrected ( as we DID make the payment that month ). However, the young lady investigating informed us she found no evidence of anything being said in the recording. We asked if we could simply be given a one time courtesy forgiveness and change. We were told they be we do that under any circumstances ( which we know to be false ). 

After more discussion, we contacted her directly and requested the transcript from the conversation to review and see if we could locate where we were told to not make XXXX/XXXX payments. However, despite several attempts to reach her, the XXXX XXXX representative has refused to return our calls. 

We firmly stand by the fact we were told to take XXXX and XXXX to not make payments. Had we known we needed to make them, we would have. While they included XXXX they still refuse to amend this to include XXXX.
Product: Prepaid card

I filed dispute with cash app they said they investigated but never did XX/XX/2023 XXXX Dollars from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agency Experian and XXXX to verify the account XXXX which I did not benefit or authorize nor do I have any benefit from to verify these accounts and they failed to dos.Iaskedthe original creditors and credit reporting agency. Therefore I am formally making this compliant against them because my rights per FCRA were violated and the credit reporting agencies sill reporting this fudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent letters and called TransUnion many times and told them theres a error on my credit report they sent me letters stating it was Accurate when I Dispute many times about this account they come back with its accurate, TransUnion is reporting open account However XXXX is reporting closed account both can not be right this account is 5years old its a closed account its a XXXX account # XXXX date XXXX XXXX thats there report, I know this account is 5 years old, the error is they are reporting wrong information stating its a open account plus they are making the account look young its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am writing to dispute the hard inquiries that have appeared on my credit report. As a consumer, I have the right to ensure that my credit report is accurate and that my personal information is being used lawfully. The Fair Credit Reporting Act ( FCRA ) entitles me to this right, and I intend to exercise it. 

I have reviewed my credit report and have noticed that there are several hard inquiries from lenders that I did not authorize. The FCRA states that hard inquiries can only be made with the consumer 's permission, and I did not provide permission for these inquiries to be made. Therefore, I request that these inquiries be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX Credit Bureaus/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Furthermore, I would like to remind TransUnion of its obligation to ensure the accuracy of the information it reports. The FCRA requires that credit reporting agencies like TransUnion maintain " reasonable procedures '' to ensure the accuracy of the information they report. These procedures include investigating and correcting any errors or inaccuracies that are reported.

Given this legal framework, I urge TransUnion to take immediate action to investigate the unauthorized hard inquiries on my credit report and to remove them. Failure to do so would constitute a violation of my rights under the FCRA and could result in legal action.

In conclusion, I am taking this matter seriously, and I will not hesitate to take legal action if necessary. I look forward to hearing from TransUnion and receiving confirmation that the unauthorized hard inquiries have been removed from my credit report. 

Sincerely, XXXX XXXX My personal Information : My SSN : XXXX My date of birth : XX/XX/XXXX My current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX
Product: Credit card or prepaid card

on XX/XX/18 made a purchase for XXXX with XXXX XXXX. the flight was delayed many hours and XXXX  would not let me off plane despite repeated requests. Detailed letter of dispute sent but chase has not reversed the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report.   According to the Fair Credit Reporting Act , Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.   I demand to see Verifiable Proofs of the accounts you listed as below :  XXXX   XXXX   XXXX   XXXX  -ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX   XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX  : Unverified account   XXXX   XXXX   XXXX   ACCOUNT NUMBER  XXXX  : Unverified account  XXXX   COUNTY  RECORDER DATE FILED  XXXX / XXXX / XXXX  : Unverified public record US BKPT CT CA  XXXX   XXXX  DATE FILED  XXXX / XXXX / XXXX  : Unverified public record Additionally, my address is  XXXX   XXXX   XXXX   XXXX   XXXX   ,  CA  XXXX  Please update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Discover XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dispute of Late Payment - Request for Deletion Account Number : XXXX I am writing to formally dispute the late payment reported on my credit file for the account referenced above. 
According to my records and the information I have reviewed, this entry is inaccurate, and I believe it does not comply with the requirements set forth in the XXXXFair Credit Reporting Act ( FCRA ) XXXX, specifically XXXX*15 USC 1681b*XXXX XXXX which mandates that only accurate, complete, and up-to-date information be included in credi reports. 
Under this statute, creditors and credit reporting agencies are prohibited from reporting information that is inaccurate or outdated. This inaccurate late payment has been reported on my account, and I request that you update payment history as agreed never late ( PAANL ) Details of the dispute : - The late payment entry in question appears on XX/XX/XXXX- I have always made timely payments on this account, and I can provide supporting documentation, including bank statements and payment confirmation, to verify that this was an error. 
I agent hihat you ardue thate up inestiny credit epis mater, and based on the evidence, update Please notify me of the results of your investigation within the timeframe specified by the Fair Credit Reporting Act. If you need further information or documentation to assist in resolving this matter, do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your written response confirming the correction or deletion of the late payment entry from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report to XX/XX/XXXX ; Experian and XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

Repeated calls from the same company but using different numbers. This has been going on for over a year or more. Many times 2 or more times a day. 

Universal Credit Services I have put a couple months of calls. I have tried to get copies of Cell Service bill from XXXX XXXX XXXX but they say only with a subpoena XX/XX/XXXX - -XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX 3 times on this day with this number, XXXX XX/XX/XXXX - XXXX 2 times this day with this number, XXXX 2times, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX, XXXX 3 times this day with this number XX/XX/XXXX -XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - -XXXX, XXXX, XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX 2 times this day with this number XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX
Product: Money transfer, virtual currency, or money service

As of XX/XX/2021 I was locked out of my coinbase account due to a supposed suspicious activity. The last thing I did was place an order for about {$500.00} worth of Cardano. Within 2 days I attempted to change my password to regain access to my account. The password change seemed to work but I was still unable to access the account through my phone or the web portal. 

I have continuously received phone calls from people with XXXX accents who are claiming to be Coinbase support. They seem to have some way they can see what's happening in my account and know my name, but when I ask them what the process is for removing the security block they hang up on me. 

I've sent emails to coinbase support, coinbase security, and have filed a formal complaint with them. The last response I got from anyone was XX/XX/XXXX. They've been completely negligent with access to my funds as there has been no resolution to my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims. 
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.