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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report as a result of a data breach and identity theft.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I ask that you take the necessary actions to address this matter promptly.

Fraudulent Accounts : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX, XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} Fraudulent Inquiries : XXXX. 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against XXXX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

Like many parents in the school district, I pre-paid for a trip that was canceled due to the Covid 19 pandemic. The credit card company is Elan Financial XXXX XXXX XXXX. ND XXXX. The merchant was XXXX XXXX XXXX. We contacted the merchant, and although they provided no service at all, they want to give us a 80 % refund of the money. contacted the credit card issuer ( Elan Financial. Part of US Bank ). and they sided with the merchant. Their lame excuse was that the merchant did not cancel the trip. The Governor of Ohio and the School Board did ( for the pandemic ). I am working on ending all my financial relations with Elan financial and taking the merchant to small claims court..
Product: Mortgage

XXXX we were notified that our servicer was chaning from XXXX to XXXX XXXX. Due to faults on their end it took longer than anticipated, but during this transistion they transfered our auto payment and banking details seemingly without issue. This is a cause of concern due to XXXX and the privacy of my banking data was not stored or transfered in a way that is up to these standards. I can not think of a way that these details can be saved or transfered without a breach of this act and law.
Product: Credit card

Today i called my walmart master card because my card was declined when i tried to make a purchase and i didnt understand why. I had a XXXX dollar credit limit on that card, i always make payments on time or before they are due and i exceed the payment amount every time! Well on the XXXX of febuary this year i tried to pay down my credit card and i have been saving my money every chance i get to pay tward my credit card not only to pay them down but also to use them when i need them because i have a 6 month old daughter at home and i am struggling with XXXX income. So to cut to the XXXX i made a {$940.00} payment to walmart master card my balance at that time on my card was {$1500.00} which should leave me with a balance of {$580.00} left to pay on my credit card. I charge {$300.00} dollars tward it whoch brought it to {$880.00}. So now after i had made that large payment walmart decreased my credit line which put me in debt of {$500.00} without even notifiying me that they decreased my limit and couldnt give me a reason why! I have had this credit card for 3 years i have never made that big of a payment and when i try to pay it down they decrease my limit without any notifications? It makes no sence to me at all! So now my balance is back to {$1100.00} even tho i paid all of that money because since they decreased my limit and put me in debt it made it as if i went over my limit ( this is how they explained it to me atleast ) i spoke with XXXX supervisors and they XXXX said well the letter was mailed 2 days ago, ok so it was mailed but i never receieved it yet the mail isnt that quick i mean come on! I just dont understand how that is right and am wondering if it is even legal to be able to do such a thing! Three years with that credit card and always on time and exceeding the payment amount every month sometimes i even pay 2 times a month but after making almost {$1000.00} payment only then they decide to decrease my limit which resulted in putting me in debt and the over drafting fee which at the time wasnt even concidered over charges because that was my limit! Can they do this. It was like the {$500.00} just dissapeared! Please help me!
Product: Credit reporting or other personal consumer reports

These accts arent mine, I have repeatedly showed proof that these accounts are not mine with letters and ftc reports, they have yet to show proof these are mine
Product: Debt collection

On XX/XX/XXXX, I received a call from my stepson. He had received a call from the following number XXXX. The caller told him they were trying to get a hold of me and that I had missed a " court date '' and that I was in trouble and that I was in contempt of court and was going to be arrested. 

I called the number and got routed to an individual who said he was with XXXX and XXXX and he was a paralegal. He asked me the number they called, I gave them my stepson 's number and then he asked me if my social security number ( which he proceeded to state ) was correct. I said yes that it was my social security number. He then proceeded to tell me that a process server called me and that they were going to garnish my wages, and put a lein on my property ( in which, he then proceeded to name off the address for my house ). 

I then asked him why and he said that it was for a " Citibank card from XXXX, '' then he " no from XXXX '' and then said, " from XXXX or XXXX. '' He then stated I owed over {$4000.00} and that they would settle for {$2100.00}. He asked me if I was aware of the debt. I told him no I wasn't aware of it. I then stated that the debt likely wasn't valid and regardless, the statute of limitations had run out. He then stated " there is no limitations, we are going to garnish your wages and going to put a lein on your house in XXXX XXXX, the County will be sending you that .... keep running... go ahead keep running. '' At that point I wasn't going to be harrassed any longer and just hung up the phone.
Product: Debt collection

A false debt collection was reported to the credit bureaus of a debt ( {$1600.00} ) that I have never owed, and am unaware of! It states this debt was opened in XX/XX/XXXX, and closed in XX/XX/XXXX. This is completely false and fraudulent! 


Creditor Information ASSET RECOVERY PLUS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX It states the original creditor was XXXX XXXX XXXX. I am furious.
Product: Debt collection

Received an email from " XXXX '' stating that I have a balance of {$7300.00} and is willing to settle for XXXX from a creditor of XXXX XXXX XXXX XXXX I have never had any dental work done, and searching the creditor shows a Kentucky business. I have only spent but a couple of hours in Kentucky at night. Email states that this is an attempt to collect a debt, but nothing about disputing the debt. I did reply same day disputing the debt ; no response has been given. I was given an account number in the email, and going to their website gives me an option to either make a payment, or to see my options. Under options, I put in the account number, as well as my own information, but their system keeps telling me that there is no matching account. Furthermore, the phone number provided in the email ( XXXX ) seems to not be a legit number XXXX XXXX XXXX XXXX ). Additionally, searching " XXXX  phone number '' gives me a phone number of XXXX, which shows a different debt collection company from XXXX. 

I have not received a letter via USPS mail, and as of the time of this complaint, have not heard back from the company. Original email is being held on to, along with my reply
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX 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
Product: Credit card or prepaid card

I did not receive notification that there was any sort of serious issue, or that my account needed immediate attention or that my account was going to be permanently closed due to nonpayment. I have tried reaching out to capital one and all they will keep telling me is that they sent me emails, the only email I have is notifying me of a returned payment, which I then re submitted the payment. I received one text message asking if I had recognized a payment, I didn't and told them no, all that text says is that they are going to temporarily stop my card, report and send me a new one ... .. That's all ... .. nothing about completely closing my account, which affects me negatively!! I have always made my payments!! All capital one wants to tell me is that they have policies and procedures, I understand that but there wan not effective communication.
Product: Student loan

I have reached out to the lender of my student loan, which is navient for a few of my student loans. I had reached out to them to file a borrowers defense application and they said I filed with the department of education. I would like to apply for navient borrwers defense and I was denied my application.
Product: Credit card

I was returning to a family member house when I tried to use my card and noticed I didn't have it. I then noticed other charges trying to pull money from my account I stopped my card immediately called chime to report the issue all my cards were then stopped and I waited for decision and new cards for them to deny my claim because they have no evidence of me but still denied my claim and refuse to reopen or allow me to appeal the decision
Product: Money transfer, virtual currency, or money service

I have invested in Coinbase.com. XX/XX/12 I got a text saying there was an unauthorized attempt to access my account and that I should change my password. I am unable to access my account and the customer service line does not respond. Put me on a 4 hour hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Experian has Failed to show many any proof. Who conducted the Investigation? XXXX XXXX BANK Is being incorrectly reported on my Experian credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$800.00} AXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$100.00} Bankruptcy XXXX  XXXXdischarged Reference number : XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX Balance XXXX {$800.00} Bankruptcy XXXX Discharged XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXX : {$0.00} XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Mortgage

To whom concerned : I received paperwork from Ditech Mortgage my Homeowners/Hazard Insurance for property XXXX ( account number XXXX ) was expired or cancelled dated XXXX. I have no Insurance Escrow on this house and have been paying this Insurance since the mid 90 's. The enclosed current Bill statement from XXXX dated XXXX shows a prior balance of {$600.00} and a current balance of {$550.00}. The next Insurance payment will be {$58.00} due XXXX. Policy coverage on Bill statement is from XXXX to XXXX. I have no record of XXXX cancelling or policy expiring. I also have enclosed current Insurance Policy, Number XXXX showing current protection for XXXX. I am writing this letter to your Bureau today- XXXX and will be faxing the proof of Insurance ( Hazard ) and current XXXX Insurance Bill along with sending these Certified Mail XXXX to Ditech . I also sent you ( CFPB ), Ditech 's letter stating Hazard Insurance expired and/or cancelled. Ditech explains in letter that I have 45 days from XXXX to send them required proof of insurance. I will send you ( CFPB ), Certified Tracking Number after mailing subject paperwork to Ditech. I am informing you prematurely since Ditech as not officially assumed responsibility of paying Insurance. 
Respectfully I want to Thank You for your assistance and professionalism that you have provided, clarifying confusion and error in a ever changing mortgage world.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX began servicing my energy loan. It was transfered from another loan servicer. The payment in question was sent to the old loan service and another transfered. XXXX is in violation of federal consumer financial law. 60 day grace for loan transfers. I have filed a complaint with XXXX and XXXX a XXXX XXXX XXXX at XXXX. Not fixed as of XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX Remarks added to account were incorrect 5. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. XXXX - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate pay status and payment history XXXX. XXXX XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX inaccurate remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history 20. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX inaccurate remarks and payment history 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 card

I was never late in paying my XXXX XXXX account. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has been dormant for several years. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from 2013 off my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed some inquiries that are not mine and I have no knowledge of the inquiries these inquiries are believed to be fraudulent As Im a victim of identity theft and the Equifax data breach please delete the following inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
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. BANK XXXX 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. 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

My name is  XXXX   XXXX   XXXX   XXXX  . I live   XXXX   XXXX   XXXX   in  XXXX , TN  XXXX . I have a address on my credit report :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , that I requested be removed in   XXXX  . I have never lived at this address. Please email me at  XXXX  with any updates.
Product: Debt collection

I received several letters from Penn Credit Corporation in regards to a ticket received. The first letter had my first name, middle initial and a XXXX  That letter was received about a year ago and I was able to call and get it resolved based off the license plate that's listed that isn't mine. I recently received another notice of collection from Penn Credit Corporation indicating I have a delinquent unpaid ticket from XX/XX/2023. This notice references the wrong tag number and but the name is closer to mine saying XXXX XXXX I called the credit company and they agreed the debt wasn't mine but also admitted that they didn't have any identifying information in their system to identify the person they were looking for. They also admitted to having the XXXX  initial in their system but leaving it off the letter they sent me indicating they knew they were sending it to the wrong person but wanted to see if they could trick me into paying without realizing. 
They are sending notices out to everyone with similar initials and my fear is XXXX XXXX XXXX XXXX XXXXXXXX pay without researching.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX to have them remove American Express negative item from credit report. 
Investigation took a month. 
They reported back saying the creditor refused for the item to be removed even though there is a court order of dismissal