23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I will apply my legal options to sue XXXX XXXX for false advertisement and taking advantage as I am a XXXX woman and discrimination due to my race as XXXX XXXX. 
XXXX XXXX advertise Earn Rewards* Every Time You Shop. You will get {$10.00} Rewards* for every 400 points earned at all XXXX XXXX. {$1.00} spent = 2 points earned. 
I spent {$270.00} out of {$500.00} which XXXX miscalculated I have {$100.00} left. I used my XXXX XXXX card one time for purchase {$220.00} however when I called them the account manager was so rude malicious and discourteous, that he refused to investigate the issue. 
The receipt I am providing, attached will demonstrate that the shipment was spilt up the points I earned and the amount calculated with shipping cost {$15.00} : {$84.00} which I earned XXXX points {$82.00} which I earned XXXX points {$59.00} which I earned no points As you review the transactions of the order receipt ( See Attached ) : Order Number : XXXX its a breakdown of the products I purchased by XXXX XXXX customer service which demonstrates that I purchased : {$82.00} I ordered boots {$82.00} I ordered Fragrance and Perfume {$59.00} I ordered a reef for my door and black leggings The shipping cost for all these products purchased was {$15.00} which gives a grand total the purchases I ordered {$220.00} However, when you review the credit card account activity that XXXX XXXX break down of what I purchased. XXXX XXXX   input as the transactions Bath products which I never ordered any bath products at all. Someone at XXXX XXXX credit department input the activity with the wrong transactions and falsified what I purchased, I never ordered any bath products. 
Please review attached ( See Attached ) XXXX XXXX input false transactions on what I purchased on my XXXX XXXX credit card activity I & II XXXX XXXX must have competent employees to input the correct transactions I purchased which I never purchased any bath products and correct the rewards program. 


The rewards program XXXX XXXX states that I earned XXXX points ( see Attached ).  Then as I look further in the website XXXX XXXX states that I earned XXXX points, this is unacceptable.
Product: Credit reporting or other personal consumer reports

This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature.

a. Certification can be done through the presence of a XXXX XXXX, who duly swears that the copy is a copy of the original contract in question.

3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly.

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

The following inquiries need to be removed from my credit report. 

Account : REMOVE XXXX REMOVE
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions. 

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX  Reference # XXXXXXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. The inaccuracies in question are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Include any other relevant information about this account. ] I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 

Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims, including [ include any supporting documents if applicable ]. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX 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

Unverified late payments listed on my XXXX XXXX Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$52000.00}
Product: Money transfer, virtual currency, or money service

I have been trying to trade crypto with Gemini exchange but they have closed my account when I sent them all the necessary documents for verification. This is very frustrating because now I can not withdraw or deposit money to the account and I have a lot of money I have no access to. I need this limit removed from my account as I dont even know why this happened in the first place. Gemini support will not answer any of my emails or messages and I need help from another source to get this resolved. There has to be a solution to this.
Product: Credit card or prepaid card

I was sent a bill from Capital One Quick Silver a few months back. I was told they would do an investigation. The amount back then was over XXXX XXXX dollars. I never ordered a card in my name. 

I believe I am the victim of identity theft due to certain information about my college, date of birth, and work activity and my face was on XXXX.
Product: Credit card

I have been offered 0 % interest for a limited time on purchases with XXXX of my credit cards. They are telling me that the interest rate will go up on these purchases when the 0 % offer ends. I have always thought that the new interest rate would only apply on purchases GOING FORWARD from that date, but not on existing balances generated during a promotional interest rate period, and that to raise the interest rate on those purchases is illegal. You do not include talking to your US Congress representation in your list below of actions to take, but I intend to talk to my Senators ' and Rep 's offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Questionable XXXX XXXX account listed on my credit report. 

XX/XX/21 Certified letter sent to XXXX requesting validation of the debt. 
XX/XX/21 Response received from XXXX, validation request not honored in correspondence. 

XX/XX/21 certified letter sent to TransUnion, XXXX and XXXX to alert of failed validation and request to verify debt. Copies of all correspondence submitted. 

XX/XX/21 response received from Transunion, validation request not honored in correspondence. No response received from XXXX or XXXX. 

This is adversely affecting my credit score and in turn my quality of life.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : Unknown : # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Request for Blocking and Removal of Fraudulent Information Due to Identity Theft Dear Bureaus, I would like to express my deep displeasure regarding the situation at hand. I appreciate your attention to this matter. I trust this correspondence reaches you in good health. I am reaching out to formally contest the inaccurate information that has been identified on my credit report. Regrettably, I have been affected by the XXXX data breach, resulting in my identity being compromised. I have taken the necessary steps by contacting the Federal Trade Commission ( FTC ) and submitting an official report of identity theft, a copy of which is enclosed for your perusal. Thank you for your prompt attention to this urgent matter. Sincerely, Your Name Per **15 U.S.C. 1681c-2 ( c ) ( a ) **, credit reporting agencies are required to block and remove any information identified as fraudulent within **four business days** of receiving a complaint regarding identity theft. Therefore, I am requesting the immediate blocking and removal of all information related to the fraudulent activity on my credit report. 

Specifically, this includes all accounts, inquiries, and other records resulting from the identity theft detailed in the enclosed FTC report. Upon completing this request, I expect to receive an updated credit report reflecting these corrections. 


XXXX XXXX XXXX XXXX - identity theft, please delete XXXX XXXX XXXX- XXXX - Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX  XXXX Identity theft please delete Its a totally different account number on Experian which is note accurate across all bureaus the account # on Experian is XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX - Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX identity theft, please delete XXXX - XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Processors XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bulk Purchase Finance - General Processors XX/XX/XXXX Experian XXXX XXXXXXXX XXXX Other Collection Agencies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Credit Unions XX/XX/XXXX XXXX
Product: Mortgage

This is a complaint against LOANCARE LLC, our home mortgage co., who has negatively impacted our credit history report for : names removed ( homeowners ). 

On XX/XX/2020, we submitted a request for forbearance to Loancare in error. The next day, on XX/XX/2020, we contacted Loancare directly and cancelled the forbearance request. In addition to numerous follow up calls and emails in XXXX to confirm the forbearance has been cancelled. As of XX/XX/2020, I was reassured by Loancare that our forbearance was cancelled and it would not affect our credit report. 

However, on XX/XX/2020, we were working on refinancing with another mortgage lender and was notified by them that our home mortgage was in forbearance, therefore, we would not be able to refinance until we get it removed off our credit reports. 

So on XX/XX/2020, we contacted Loancare to dispute the forbearance on our credit report. That on our credit reports, under the Remarks, Side Note and/or Special Comment Sections : states Account in Forbearance and this must be removed off our credit reports since we cancelled on XX/XX/2020 and our account was never in forbearance. 

Nevertheless, on XX/XX/2020 and XX/XX/2020 Loancare confirmed that the forbearance would be removed off our credit reports as of XX/XX/2020. But as of today, XX/XX/2020, our credit reports still states that we are currently in forbearance. For example, XXXX  states under Remarks Account in Forbearance reporting as of XX/XX/2020. 

Furthermore, as of XX/XX/2020, even after speaking with Loancares Collections Dept. and Supervisor regarding this forbearance dispute, requesting to have " Account in forbearance '' remarks/special comment removed off our credit report, I have LOST ALL CONFIDENCE in their ability to resolve this credit dispute. Not only has this drained our time and energy, but weve been unable to refinance our current VA home loan with other lenders with rates offered to us at 2.25 %. In addition to our credit scores dropping from above 825 to below 750, this takes us out of the Excellent category which further negatively affects our borrowing efforts affecting our rates. 

Conclusion : LOANCARE LLC needs correct and remove the " forbearance '' language off of our account with all the credit reporting agencies which is stated in Remarks and/or Special Comment Sections : Account in forbearance since we have never been in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that XXXX XXXX XXXX XXXX has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with XXXX  XXXX on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted XXXX XXXX last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my report often to ensure that the information is reporting correctly because I became a victim of identity theft shortly after moving to XXXX. I received my updated report and there was a collection for Credit Collection Services in the amount of {$190.00}. I never heard of this company and I have not received any type of correspondence from them either via phone or mail. This is a violation of my rights and I want this account removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX  XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

On XX/XX/XXXX around XXXX we received the call from a person name XXXX ( not to sure the exact spelling, ) from Bank of America XXXX XXXX XXXX, stating that our account had been scammed or by some unknow multiple transaction that we need to urgently close the account. He then looking at our online banking app transfer our money from savings account {$12000.00} to our checking account {$9000.00} and left {$480.00} and wired {$20000.00} out from our checking account, ( we later found out this ). On the same date ( XX/XX/XXXX ) few hours later when we returned home from the park, we immediately check our online banking status and found out that our money from both checking and savings accounts were hacked and found were gone. This is an unauthorized wire transfer. XX/XX/XXXX, Same date at night around XXXX, we report to the bank for this incidence & requested that the bank to stop the payment from going through due to this unauthorized transaction of scamming. Received the XXXX XXXX  case number from the bank. # XXXX. On XX/XX/XXXX, we filed a police report at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, report # XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. My information was sold and brought illegally because I was a victim of the Equifax data breach. 

Equifax Data Breach Settlement ID # XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX