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

Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint regarding late payments on my credit report and to request assistance under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), which aims to alleviate the financial burden faced by consumers during the COVID-19 pandemic. I kindly request your intervention to have these late payments removed from my credit report.

Due to the unprecedented circumstances brought about by the COVID-19 pandemic, I experienced financial hardship, which led to late payments on my accounts. As a responsible consumer, I diligently made efforts to communicate with my creditors, explain my situation, and seek assistance or alternative payment arrangements. However, despite my pr

oactive approach, these late payments were reported to the credit bureaus, resulting in a negative impact on my creditworthiness. Under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), consu
mers who have been affected by the COVID-19 pandemic are provided with certain protections and assistance. This law specifically requires furnishers of credit information to report accurate and fair information regarding consumers affected by the pandemic. It is my belief that the late payments reported on my credit report do not accurately reflect the financial challenges I faced during this difficult time.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and ensure that the late payments are removed from my credit report in accordance with the COVID Relief Law ( 15 U.S. Code 1681s-2 ). The removal of these late payments will help restore my creditworthiness, allowing me to rebuild my financial stability during the ongoing recovery from the COVID-19 pandemic.

I deeply appreciate the Consumer Financial Protection Bureau 's commitment to protecting consumer rights and providing relief during challenging times. I trust that you will review my complaint thoroughly and take the necessary steps to ensure that my credit report accurately reflects the impact of the COVID-19 pandemic on my financial standing.

Thank you for your attention to this matter. I look forward to a favorable resolution and your assistance in helping me navigate through these difficult times. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to Discover, 2017 Sheriff 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently inXX/XX/XXXXin Mississippi for forgery and false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

A disputable move-out charge of {$950.00} has been placed on my credit file as an unpaid rent. My rent was never late, and I did not owe rent to XXXX XXXX XXXX. North Carolina Consumer office has determined that the move-out charges are disputable and resolution could be through mediation or small amount court settlement, but management of XXXX XXXX XXXX,  without any written notice to me, submitted my personal information to XXXX debt collectors, which filed the incorrect information on my credit. I disputed the information, and XXXX deleted the information from my file. Equifax however has refused to delete this disputable charges from my file. The derogatory information has caused my creditors XXXX XXXX  XXXX and XXXX XXXX creditors, to reduce my credit limit by 30 to 50 %.
Product: Credit card or prepaid card

I called Kohl 's today to have my spouse added as an authorized user as the option is not available online. I was asked if it should be effective today and I agreed. When I provided his name I was told we would need to wait about 3 weeks on a letter, fill it out, send it back, and then he could be added. When I asked why it couldn't be done today I was advised it was because we don't share the same last name. This is discrimination based on marital status. I spoke to an agent, a manager,  and a supervisor but all stated this was company policy. The policy is discriminatory. Because we don't have the same last name we can not receive same day service. If the option is available to some it should be available to all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note these are not the full account numbers. They contain XXXX at the end of each and will not be given here in order to protect my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent credit line opened in my name on XX/XX/2022 without my consent or knowledge. I was not made privy to this information until a couple months have past when I noticed my credit score plummeted from this. The credit line belongs to a XXXX 

I tried remedying the situation right away with a dispute ( number XXXX ), but it was never resolved and was rather quickly investigated. 

I made a police report with my local police in XXXX about the situation afterwards. I opened up another dispute detailing this and it was also very quickly shot down. 

Now, as of XX/XX/2022, there is yet another massive hit to my credit on the same fraudulent charge. I have attempted to dispute for a third time hoping this can be possibly removed.
Product: Credit reporting or other personal consumer reports

Experian closed yet another complaint with yet another dubious explanation as usual but there are no more explanations or excuses because the evidence is piling up
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called revvi cards and stated that they have been reporting my closed and charged off account as such and currently are still as of XX/XX/XXXX reporting it. I have attempted with the original creditor and all major credit bureaus to fix this issue but they all will not correct the account to included in discharged bankruptcy. The bankruptcy court of XXXX XXXX in California also in XXXX when filing of XXXX  sent them information as of such in XXXX XXXX XXXX   sent them of my discharge of bankruptcy. Non of the major bureaus or the revvi cards will correct the issue
Product: Checking or savings account

On XX/XX/2022, I was trying to purchase a teacup yorkie puppy that was supposed to be shipped to me. XXXX XXXX shippers told me that the puppy would need a specialize crate to fly in and i could rent this crate for {$910.00} upon which would be refunded to me once the puppy was delivered to my home. The funds were drawn from my XXXX XXXX account from my credit union to my PayPal account. We later found out that this transaction was a scam. PayPal is still holding these funds ; they claim that my credit union would have to do a chargeback then they would comply. I received a letter from my credit union on the fourteenth and according to them visa is a pee-to-peer payment processor and is responsible only for the transfer of funds, the service is not intended to be used to purchase goods and services. they suggested I seek compensation from the individual and they will not issue me a credit. 
the individual will not respond to me or PayPal because they know we have found out this is a scam. So now PayPal will not even return the money because there is no protection through friends and family that the individual told me to use to transferer the money the case is still in dispute with PayPal. I did explain to them that my credit union can not do a chargeback PayPal insist that they can. Paypal did refund the {$810.00} back to me that were supposed to be for vaccines for the puppy to fly and this transaction went through friends and family so I am not understanding why I can not get my {$940.00} back for the so-called crate that I rented. This is a shipping company called XXXX XXXX shippers out of XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

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

Hello, I currently own  a Barclaycard Mastercard Gold Card that is  part of the Luxury Card platform. I am also a  XXXX   XXXX   XXXX  service member. I applied and received the credit card under the  Servicemember 's Civil Relief Act. I w as assured both on the phone and via mail that I would be honored with no annual  fee ( or iginal {$990.00} would be waived ), and 0 % interest among other benefits that the card rewards all while remaining on  XXXX   XXXX  in the military. I was assured of this on multiple occasions all through Barclaycard employees. This past fall, I received a letter saying they were adjusting the SCRA benefits but I was still honored to my original benefits because with no annual fee or interest due to the fact that I have already been a member and have been grandfathered in previous to the adjustment in their policy. Then, this past spring, I received another letter in the mail stating I now owe the {$990.00} annual fee. This goes completely against the conditions in which I applied for the card and was assured by the company on multiple occasions would not happen, as long as I remain  XXXX   XXXX  (   XXXX   XXXX   XXXX   ). This has put me in an extreme economic burden as a service member forward  XXXX  now receiving mail stating that I owe a very large fee of {$990.00} is unprecedented and against all outlines in the conditions in which I was guaranteed by the company. This has placed myself and family in a very tough financial position tha t Barclaycard refused to be sensitive too. I am willing to provide any more information to help fix this issue and hopefully help any others that were affected by this. I am requesting to go back to my original conditions when i had the card before Barclaycard  changed and did not grandfather me in as they said. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I went to XXXX for 6 years and someone stole my identity none of these account or loans belong to me this is fraud
Product: Checking or savings account

I ordered an outfit from XXXX XXXX using my Paypal account on XX/XX/21. I paid for overnight delivery as I needed the outfit for XXXX XXXX weekend. I received an email on the next day indicating the package was delivered. I got the attached email stating it was delivered ; however, nothing was at my door. In fact, the email did not include the apartment number, but the original order confirmation email does. So, who knows what apt got the package. Paypal denied my claim twice. This is not fair! Even the XXXX site do not even have the exact address so, how can they prove that I received it? I pay my bill in full every month so I don't need to lie about {$60.00}! XXXX XXXX refused to refund as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.
Product: Vehicle loan or lease

A salesperson at a local dealership -- XXXX XXXX in XXXX XXXX Texas -- -kept calling my wife on a daily basis inviting her to re-finance her vehicle. My wife repeatedly told her that her car was in both my name and my wife 's name, and that I would need to be involved in the decision. My wife was receiving weekly calls from " XXXX, '' the salesperson at XXXX XXXX soliciting her to re-finance -- even though XXXX had been told at least twice that the car was in both our names. Regrettably, yesterday my wife received a call from XXXX again and she went to the dealership without informing me. While at the dealership, XXXX -- without my consent -- took my Social Security number and other personal, financial, and demographic data and performed a Hard-Pull through her Finance Department . This un-authorized credit inquiry has already appeared as a Hard Pull on all three Credit Bureaus -- without my informed authorization and without my signature. Experian, XXXX, and XXXX are already reporting the Hard Inquiries on their data.

Afterward, while my wife was still at the dealership, I complained to the management team about what had happened. XXXX became rude with my wife, then treated my wife very disrespectfully and in a beligerent manner -- -even though what she ( XXXX ) had done was fraudulent, unprofessional, and un-ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Experian multiple times over the phone to have the fraud alert removed from my credit file. I never seem to get anyone on the phone who speaks English well enough to understand so I have to disconnect. I have also tried countless times removing the fraud alert on line with no success. For this reason I have to file a complaint with CFPB against Experian for refusing to remove a fraud alert.I have included with this complaint copies of my drivers license, social security card and proof of residency. These required documents are sufficient to prove my identity to remove the fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a calling plan from XXXX XXXX of XXXX. They drafted money from my CashApp account. XXXX says that they did not see that there was a draft made on the account. They referred me to CashApp. I filed a dispute with CashApp to stop payment or get my money refunded to me. CashApp denied my request to get my money back. I wrote back to CashApp telling them that I disagreed with their assessment, and then they closed my account within minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempt to get free annual credit report and unable to get it online. I called Equifax and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX. 

I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Credit reporting or other personal consumer reports

Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX XXXX  - Account Number : XXXX - Amount : {$620.00} In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ). Please provide the following documentation to validate this debt : 1. The name and address of the original creditor. 2. A copy of the original signed agreement or contract. 3. An itemized statement of the account showing all charges and payments. 4. Proof of your authority to collect this debt. If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA. I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services, LLC. 
XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Credit Bureau Executives, I am writing to urgently address an issue in my credit report. Unfortunately, I have fallen victim to identity theft and fraud, which has involved me in three data breaches. Despite collaborative efforts with your team and other relevant entities to rectify inaccuracies in my credit reports, the fraudulent account linked to XXXX XXXX XXXX XXXX has reappeared on my credit report despite being previously removed. 

I want to emphasize that neither the mentioned account nor its balance belongs to me, and I have taken all necessary steps to ensure their removal from my credit report. I expect and request your immediate attention to this matter. 

I anticipate and require your swift assistance in rectifying this issue. 

Sincerely, XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX , California XXXX Reported balance {$7200.00} Actual payment amount Date of last payment XX/XX/year> Past due amount {$690.00} Account status At least 120 days or more than four payments past due Date reported XX/XX/year> Payment details Last reported Review your last reported payment information and click FILE A DISPUTE to continue.
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 ( Accounts names : XXXX XXXX XXXX XXXX XXXX Account # 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 a 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.