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

[ Your Name ] [ Your Address ] Dear TransUnion Dispute Department, I am writing to formally dispute the inaccurate information on my credit report concerning a XXXX XXXX account with a balance of {$52000.00}. This account was opened fraudulently as a result of identity theft. 

As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be removed from my credit report immediately. I have already filed a police report and an identity theft report with the Federal Trade Commission ( FTC ), copies of which are enclosed for your reference. 

Below is the relevant information regarding the disputed account : - Creditor : XXXXXXXX XXXX - Account Number : [ Account Number ] - Current Balance : {$52000.00} I have also disputed this fraudulent account with the other two major credit bureaus, XXXX and XXXX, and am awaiting their written confirmation of the removal of this account from my credit reports. 

In support of my claim, I am enclosing the following documents : 1. Copy of the police report 2. Copy of the FTC Identity Theft Report 3. A copy of my driver 's license or other form of identification 4. A copy of a recent utility bill for proof of address Under the FCRA, you are required to investigate my dispute within 30 days of receipt of this letter. Please remove this fraudulent account from my credit report and send me written confirmation once this has been completed. 

Thank you for your prompt attention to this matter.
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 

Under Act 15 U.S.C. 1681 section 602 says " | have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXXutopay. 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 ( MONTHS REPORTING LATE ) 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 XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I Have sent multiple dispute letters to Equifax, Regarding inaccurate information on my credit report. Despite providing evidence, Equifax has failed to comply with their legal obligation under the Fair Credit Reporting Act ( FCRA ). Specifically : -15 USC 1681e ( b ) : Equifax has not ensured the maximum possible accuracy of the information in my credit file.

-15 USC 1681s-2 : Equifax has continued to report inaccurate information after provided notice of dispute.

-15 USC 1681i ( 5 ) : Equifax has reinvestigated and reinserted dispute item without notifying me, as required by law.

-15 USC 1681c ( c ) : Equifax has reported obsolete information that should have been from my credit report.

Recently, I Became aware of the lawsuit filed by the CFPB against Equifax on XXXX2025 titled CFPB Sues for Sham Investigations of Credit Report Errors. According to the CFPB, Equifax has failed to conduct proper investigation and has even reinserted errors on credit reports, which aligns with the issue Ive been facing.

Equifax failure to comply with these laws has caused harm to my credit, employment, and housing opportunities.
Product: Student loan

Waiting for close to three months on pslf after formal letter dated XX/XX/XXXXXXXX XXXX indicating all they had to do is verify my one employer. Paid consecutively on time for 16 years- met requirements in 2017 but given incorrect info. XXXX also never verified I could not pay during covid and so continued them. I consolidated under limited waiver now and am clearly eligible and should actually receive a refund but NO time frame is ever given on when they will be forgiven - different things are said - from wait a couple of weeks to it could take months and months. A clear time frame should be given.
Product: Debt collection

Misrepresentation has been committed on the consumer credit file of XXXX  XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
Product: Mortgage

I had my mortgage with XXXX XXXX XXXX in which my regular mortgage payment and escrow to pay property taxes and homeowner 's insurance was included, the amount was {$1300.00}. The loan was transferred to Select Portfolio Servicing and even-tough my property taxes and homeowner 's insurance have not increased, Select Portfolio Servicing has increased the escrow amount to an additional {$53.00} a month making my total monthly payment to XXXX. I find this very unfair and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get unauthorized inquiries off my credit report file with TransUnion. I don't know how they allow 3rd party companies to add inquiries to my credit file that I have not authorized or approved. TransUnion sent me a message that was attached to their paid subscription that stated that my Social Security # and my personal information had been compromised. I'm asking for the removal of any and all inquiries that were not authorized by me. In addition, to an investigation leading to the prosecution and arrest of the person ( s ) using my social security and personal information. Please DELETE/REMOVE any and all unauthorized inquires from my credit. My credit file has a note on it that asked that the company in which an inquiry is made contact the consumer FIRST before moving forward with the application process. That was not done and TransUnion allowed these inquiries to be placed on my credit file with my knowledge or authorization.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against American Express regarding a promotional offer that they failed to honor, despite fulfilling the stated terms. 

American Express advertised an offer on their website : " Earn a one-time {$75.00} statement credit after using your enrolled eligible Card to spend a minimum of {$270.00} in one or more purchases in-store at XXXX XXXX XXXX or online at XXXX by XX/XX/2024. '' I made an in-store purchase at XXXX XXXX  XXXX on XX/XX/2024, totaling {$470.00}, using my enrolled American Express card through XXXX XXXX. However, American Express has refused to apply the {$75.00} statement credit. 

When I contacted American Express, they stated that the purchase did not qualify because I used XXXX XXXX. However, their offer terms did not indicate that XXXX XXXX, which is linked to my American Express card, would disqualify the transaction as an in-store purchase. I believe this exclusion is arbitrary and not transparently communicated in their terms. 

I have attached a copy of the offer terms from their website, which substantiate my claim that there were no such exclusions for purchases made using XXXX XXXX. 

I am seeking assistance from the CFPB to ensure American Express honors the {$75.00} statement credit as promised and advertised. 

Thank you for your time and support in resolving this matter. 

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

Dear CFPB Complaints Team, I hope this message finds you well. I'm writing to bring attention to a concerning issue related to inaccurate information on my credit report, particularly concerning accounts linked to XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) and XXXX XXXX XXXX. 

I've made numerous attempts to rectify these issues through different channels, yet unfortunately, I haven't received satisfactory responses or seen compliance with my requests. 

According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and validation of debts. Therefore, I am formally requesting specific documents and information to address these concerns XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Copies of any contracts signed by me that validate my liability for the alleged debt. 
Documentation proving the authority to make claims. 
Any detailed evidence, including signed contracts, that establish my liability for the alleged debt. 
Certified copies of initial balance sheets for the account in question. 
The entire promissory note related to the debt. 
A comprehensive disclosure of the alleged agreement and all contracts contributing to the claimed owed amount. 
A contract specifically authorizing the pursuit of the alleged debt against me. 
For XXXX XXXX XXXX : Documents substantiating the contractual obligation linking me to the alleged debt. 
Evidence confirming authority to pursue the debt on behalf of the creditor. 
Complete disclosure of agreements and contracts forming the basis of the claimed debt. 
Regarding the credit reporting agencies ( Innovis, XXXX, XXXX, XXXX ) : Detailed records of communications with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that include names, authorities, contact information, and documented evidence. 
Similar records for communications with XXXX XXXX XXXX, including contact details and documentary evidence. 
Signed disclosures authorizing the disclosure, verification, and validation of my consumer accounts. 
Documentation outlining the methodology used to modify my consumer report, including sources of information and validations considered. 
These demands aim to secure comprehensive information and documentation necessary for validating the debts in question and the processes used by credit reporting agencies. I am deeply concerned about the inaccuracies and the lack of response from involved parties, which seem to violate consumer protection laws. 

I kindly request your prompt attention and assistance in resolving this matter. Thank you for your time and consideration.
Product: Credit card

My identity was stolen to open a credit card with Barclays Bank Delaware. The app was approved via online and an immediate balance transfer was initiated. The problem is this balance transfer deposited into my active credit card. Therefore, Barclays bank deemed this transaction of balance transfer valid. However, my ID was stolen and used to open a credit card with Barclays ; this in itself is already ID theft, a fraud. The investigation by Barclays bank Fraud department is a joke. They do n't care about the pain and victimization of identity fraud. Their investigation is a disgrace to the protection of the consumer of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Money transfer, virtual currency, or money service

I have initiated an international money transfer through MoneyGram 's service - detailed as below : Authorization # : XXXX Reference Number # : XXXX ( Used by XXXX for tracking ) Date Initiated : XX/XX/2020 Date Promised ( Destination ) : XX/XX/2020 ( XXXX be available sooner ) Transfer Amount : XXXX USD Exchange Rate : 1 USD = XXXX INR Receive Amount : XXXX INR As of today, the amount is not received in the destination bank account. Moreover, there have been several ( 10 approx. ) calls made to the customer care department of MoneyGram, who failed to provide us with ANY resolution. Instead, we have been constantly held off by them making " 4 business days resolution '' claims which in reality, was never provided. 
MoneyGram also claims that they are awaiting a response from the destination bank which in reality might not be the case because - I have been in constant touch with the destination bank that claims that there has neither been any pending transaction request nor any communication attempt from MoneyGram as claimed. 
This is the XXXX day of zero progress on the part of MoneyGram.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , CA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX/ XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

TRANSUNION REPORT NOT MADE AVAILABLE TO ME AS A RESULT OF THE XXXX XXXX BREACH I attempted to retrieve my Transunion report through annualcreditreport.com and received notice that it was unavailable. 

I then attempted to log in to the Transunion app as I have done before and the system stated my last name and social security number did not match. 

To be sure I did not type anything in error I repeated and attempted to login three more times without success. The feature that allows for resetting my login credentials also did not allow me to move forward. I am a victim of Identity theft as a result of the XXXX XXXX BREACH
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.

Please make all listed below update or deleted in my credit report!
Product: Debt collection

The company is called Syncom out of XXXX, TX I never heard the company and I receive a text message this morning from this debt company about a bet from dentist office. The same verbiage was sent to my mother via text message as well. I am not aware of the debt in question nor have I received any written correspondence about this debt. The fact of the matter they contacted me on Sunday when their offices are closed and contacted my mother baffles me and is harassment happen around XXXX XXXX  and again at XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have an XXXX  XXXX son who has been through 4 XXXX XXXX   to where being a single mom i needed to take out alot of payday loans. Which i regret. Check n go is one that im having a problem with at the moment. They called my dad and step mom who i do not speak to giving personal info out and threatening fraud charges. Have not even attempted to contact me. I plan on paying all the loans back but im just starting to try and work and get myself and son in a good position. They should not be giving out my personal info.