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

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I request the removal of the late payment remarks and an update to reflect the accurate status as current or paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored. In Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days warrants immediate removal of these items from my credit report. These items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to the stress that I have endured. My information was also impacted by the Equifax data breach and may have ended up in the hands of the wrong person.
Product: Checking or savings account

The company discriminated against me! I sent in requested documents! Received different feedback every time I called. Was told that I wasnt important as other callers were waiting on hold to be assisted! They never sent an official denial letter. They told me that my appeal wasnt honored and wasnt going to be reviewed after advising me of the option. False and misleading information was reported to the credit bureaus! I never spoke to the appeal department or department that actually processes the applications even though I requested to do so! All calls were recorded to reflect inconsistencies!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Product: Credit card or prepaid card

My XXXX statement had a balance of {$260.00} reflecting a {$45.00} made on XX/XX/XXXX. The minimum payment for the month according to the Comenity statement, due on the XXXX XXXX XXXX, was {$37.00}. I noticed a promotional balance for a previous purchase 's promo rate expired on the XXXX XXXX XXXX for {$110.00}. I sent $ 120 days afterward that didn't post until the XXXX XXXX  XXXX. I realized that was much later than I intended so on the XXXX XXXX XXXX I called Comenity to see what the status of the account was. I was told that only {$5.00} of my {$120.00}, my second payment in under thirty days, was applied to the plan with the outstanding {$100.00} that expired the month of XXXX and that the entire rest of it would be applied to a plan that expires in XXXX. When I asked about how this breakdown was justified when I enough to cover the minimum payment, the expired plan and then some and everybody Inspoke with just kept repeating how they work on " billing cycle dates ''. But when I asked for a breadown of how my payment would be applied I was told that information couldn't be seen by a customer service MANAGER until the XXXX XXXX  XXXX. My payment due date for XXXX is the XXXX. How is it they can immediately apply my payments in a way that maximizes what Comenity can collect in fees and interests but can't tell me how that was applied until after the due date? I feel my intelligence is insulted and my payments were maliciously applied when I've sent them on time to minimize my debt. This is an unconscionable, deceptive, unethical, and willfully punitive application of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to track down loan servicing provider for student loan. Have contacted multiple companies with no resolution or record of my loan. Have spoken to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. Contacted using phone numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX I can not repay my loan if no one has record of it. If no one has record I want it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXXXXXXXXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXXXXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Product: Vehicle loan or lease

Different mortgage lenders checking my credit scores has taken it down to single digits!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BMW FINANCIAL SERVICES Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. The inquiry was not authorized XXXX XXXX XXXX  This is not mine. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

My Wife and I divorced as of XX/XX/XXXX. At that time she was responsible for paying the mortgage as is stated in the Divorce Decree and the Real Estate Side Sale Agreement. She changed the contact information on the mortgage account to her home address ( her sisters ' house ) and her email address, her phone number. 

After XX/XX/XXXX my x-wife was late on three payments, XXXX, XXXX, and XX/XX/XXXX, on the mortgage and the mortgage company failed to notify me by any means because my x-wife, per the divorce decree, was responsible for the payment and had changed the contact information for the account. 

When we sold the house on XX/XX/XXXX and paid off the balance of the home the mortgage company placed the three late payment records on my credit report. Again this was after the home was sold.

I provided the mortgage company with the divorce decree and real estate side sale agreement documentation and they are refusing to remove the late payments from my credit report.

Now because of the three late payments on my credit report, I am unable to be be approved for a home loan. I had been approved until those three late payments were added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax Dispute Center Fraud Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 

From : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following inquiries, as I have no knowledge of them. 
I DO NOT HAVE ANY ACCOUNTS WITH THESE COMPANIES. There was a employee that went rouge and used customers information without authorization. 


Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute this Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Have always send money to XXXX with Western Union then one day they told me I can not no more for no reason. Its almost the same way with XXXX XXXX they Profile you where you sending the money too and if you ligit on the money you sending. 

Western Union never gave a reason why I can not send money with them. I feel the same with XXXX XXXX profiling and XXXX. Just because I am XXXX and sending money to XXXX. 

They need to make decision based off facts not just location and race. Too much of this is going on the money transfer services. CFPB needs to crack down on these money transfer services.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :
Product: Credit reporting or other personal consumer reports

We can not access Innovis website outside of the United States, even with XXXX, that's very inconvenient! The URL becomes : " https : //innovis.com/home/foreign '' and it shows " Unable to complete request : Thank you for visiting Innovis.com. Please contact Innovis Consumer Assistance. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  NEEDS TO BE DELETED. ADDITIONAL INFORMATION PASSWD STATUTE OF REPORTING. 
SEE ATTACHED COPY OF TRANSUNION SHOWING THIS ACCOUNT IS OVER 7 YEARS!
Product: Debt collection

I have sent multiple certified letters in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX to Transunion asking them to verify collection accounts on my credit report ( from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX by providing the original contract or agreements with my signature on it and the name of the person they interviewed to verify accuracy of this debit. 
I suspect fraudulent activity and have not been provided with original legal documentation to verify these accounts are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX   XXXX {$790.00}
Product: Student loan

ECMC has began reporting an account to the credit bureaus without contacting me and verifying the debt first. I have not been contacted by ECMC in any way ( mail, phone, e-mail etc ... ) and given the opportunity to address the alleged debt that has been placed in collections on my credit report. I attempted to contact ECMC via certified mail, with the address provided in the credit report which was listed as being XXXX XXXX, MN XXXX. According the the post office tracking number my certified mail is being " returned to sender '' due to that address being unknown. Since I have n't been successful in contacting ECMC via mail, I am submitting this complaint. Below is essentially the body of the letter I sent to ECMC on XX/XX/2017, which has been returned to sender. 
-- -- -- -- -- -- Dear ECMC, This letter is in regards to item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact, I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 
1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention to this matter.
Product: Mortgage

The WA State Supreme Court Clerk refuse to Docket our reconsideration when we file within 30 days on XX/XX/XXXX  which was within thirty days that the WA RAP require.
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The Federal Rule In the landmark case of   XXXX   XXXX   XXXX   (   XXXX   )   XXXX   XXXX   XXXX  , the court announced that virtually all constitutional errors are subject to harmless error analysis. The sole exception to this rule are those errors which are termed " structural '' in nature. (   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX  . ) In order to qualify as a " structural '' error, a constitutional deprivation must affect " the framework within the Deed Of Trust Act.
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In its most recent discussion concerning structural error, the court suggested that some errors must necessarily be deemed reversible per se in light of the difficulty of assessing the effect of the error. [ Citations. ] ( United States v.  XXXX  (  XXXX  )   XXXX   XXXX   XXXX   XXXX  , fn. 4. ) This category of cases includes the denial of a public trial.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. Under 15 USC 1681 Section 6 o 2 states I have the right to privacy. 15 USC 1681 Section 6 o 4a Section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the Convergent account 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 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. 


Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX
Product: Credit card

On XX/XX/year>, I applied for the Capital One Savor XXXX Card for excellent credit, which comes with a {$200.00} sign on bonus. I applied via pre-approval, and was approved. Once the card was sent to me, I noticed that there was no information about the sign-up bonus on the app, so on XX/XX/XXXX, I called Capital One customer service to make sure I was eligible. They assured me that the {$200.00} would be coming to me in a few billing statements. 

By XX/XX/XXXX, I still had seen no sign of the sign up bonus, so I called Capital One again. This time, the customer service representative said that there was no bonus coming to me, and couldn't give me a reason why. I asked to speak to a supervisor, who repeated the same thing, that I would not be receiving a bonus, and they couldn't tell me a reason why. They would say my account wasn't eligible for the bonus, I asked why, and they would say it wasn't in the terms of my account, I would ask why, and they would have no explanation. They offered to call me back within XXXX business days. 

On XX/XX/XXXX, they finally called me back and told me that even though I applied for the Savor XXXX for Excellent Credit, they only gave me the Savor XXXX for Good Credit. Nowhere in any of my documentation is this stated, and nowhere on my Capital One account does it say " Savor XXXX for Good Credit, '' it only says " Savor XXXX, '' the default name of the card for excellent credit. I tried to explain this to the person who called me back, and they dropped the call. I have not received a call back.