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

In Regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to file a formal complaint against XXXX collectively referred to as XXXX hereinafter, for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where XXXX has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, XXXX unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by XXXX violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, XXXX  reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by XXXX. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by XXXX, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to XXXX, EXPERIAN, XXXX, and XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Product: Mortgage

Today, I received a call from the XXXX services at Chase telling me that they received returned mail and needed my address. I asked them to give me the address where they tried to send the mail and the address was the address of the new property that I recently bought. When I asked her who changed the address, she said that it wasn't changed. However, that is not the address on my loan application, so I know someone at Chase changed the address without my permission. Since she wasn't being forthcoming, I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX that allowed me to lock and unlock my reports from XXXX and Equifax. I did this because there was an unauthorized inquiry and i wanted to protect myself from this happening again. Fast Forward we were set to close on our home XX/XX/XXXX the bank attempts to pull my report on XX/XX/XXXX and of course only gain access to XXXX. Being that we are due to move out of our apartment by XX/XX/XXXX and we have XXXX young kids I instantly unlocked both via the online account which is said to be instantly. I called both Equifax and XXXX and Confirmed that they have no lock no freeze or fraud alert keeping my lender from gaining access and they assured me it hadn't been locked since i unlocked it on XX/XX/XXXX. Well surely they lender attempts and only gaines access to XXXX yet i can access all from each account that i have and its dated for XX/XX/XXXX. I need help today we need to close on our home we have nowhere to go and kids are disenrolled from school as of today because the new place is located in another city well without the address by getting the final XXXX we are seriously stuck. I NEED help we have merely 6 hours before we were going to go to close in XXXX by XXXX! 
I dont know what else to do if both agencies keep saying its unlocked and the lender is saying they can't pull it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on XX/XX/XXXX via XXXX Post registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, XXXX. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax 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 it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card

Please find attached a letters of dispute to XXXX that I also submitted to XXXX and XXXX about an account that I disputed under the Debt Verification Rule to produce the original documentation, fees or any sale or transfer of debt to Barclay 's Bank Delaware, a negative debt owed of {$2800.00}. Date opened XX/XX/XXXX. XXXX, XXXX and XXXX stated that Barclay 's Bank Delaware produced proof of documentation in which I did n't receive and refused to remove this account. Even worse, because I did dispute the account, they have now updated my negative reporting to reflect a new starting date of XX/XX/XXXX when in 2 years nothing was being reported by these XXXX reporting agencies or Barclay 's Bank Delaware.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after XXXX XXXXXXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on this account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX, AFFIRM INC XXXX Date Opened : XX/XX/XXXX Balance : {$600.00}
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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. 
XXXX XXXX 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 am writing to you for the second time regarding the inaccurate information reported on my credit file. My previous letter, dated XX/XX/2024, has not yielded the appropriate action, and I remain deeply concerned about the handling of my dispute. Specifically, I am requesting a detailed explanation of the verification process your bureau utilized to investigate the disputed accounts. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, you are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Your failure to comply with these regulations is highly troubling and suggests a lack of adherence to the legal standards set forth by the FCRA. The accounts in question do not belong to me and are erroneously attributed to my credit profile. These accounts belong to another individual, and I have no association with them. I have provided ample evidence to support my claim, yet these inaccuracies persist on my credit report, causing undue harm to my credit standing. I demand that you provide a comprehensive account of the steps taken during your investigation, including the methods and sources used to verify the disputed information. The lack of resolution from your previous response indicates a possible failure in following the mandated investigative protocols, which is unacceptable. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX  the following accounts violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Pre-Demand Arbitration Notice due to numerous FCRA violations.
Product: Mortgage

Went to make XX/XX/2019 payment and was told by Chase Mortgage that my loan was sold to XXXX XXXX. I never recieved any notice or paperwork. Chase states they sent paperwork out on XX/XX/2019, to my home address where I dont get mail and not my PO Box . Chase states they did not have that address yet I have continually receive payment coupons and letters from them at the correct mailing address. I did not get 30 day notice eirther. I asked to have them resent out ... ..I call the new mortgage lender and they did not have my mailing address eirther and have not had any paperwork from them. I did update my mailing address with them and verified it online. I now have to make payments over the phone instead of a brick mortar office ... .will try to day and hopefully all will be well
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.
Product: Credit reporting or other personal consumer reports

I didn't begin these requests, and I'm not associated with any of the loan bosses recorded. If it's not too much trouble, remove them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Please fix this account : XXXX XXXX Balance : {$1000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit card or prepaid card

I purchased with my Chase VISA credit card XX/XX/XXXX a Tour with XXXX XXXX in XXXX XXXX XXXX. The tour company was very popular and we were requested to pay {$5000.00} in advance for a XXXX 16 day Tour package departing XX/XX/XXXX. In XX/XX/XXXX we were to have received our airlines tickets, hotel information, Optional Tours we purchased, River Cruise tickets, all parks and bus and plane travel and food was to be supplied. All prepaid by our family. 
The Consumer Protection of XXXX suspended the XXXX license and they ceased to exist effective XX/XX/XXXX. I tried to call the company on XX/XX/XXXX when I became aware of their Fraud and closure. The XXXX website and telephone number directed me to Consumer Protection of XXXX. Consumer Protection directed me to Chase Bank to # 1 put in a merchant dispute to get our {$4900.00} back from the merchant bank. After a few months the Merchant has  refused to refund our money because it has been over a year since we paid. 
Where I disagree with both Chase Bank and XXXX XXXX XXXX  XXXX is I believe it IS 60 days or one year from the date of DELIVERY of their service or product or goods. XX/XX/XXXX was our DELIVERY OF GOODS travel date. I don't believe the date I paid is the date to BEGIN my dispute. I believe the date services were to be rendered is the date to establish a starting point. XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts & inquiries on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

on XX/XX/2020, I responded to Pro Collect, Inc by sending some dispute letters to some negative items which is on my credit report reporting a debt that i don't owe.I have attached the letters to the complaint what i have stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report i noticed several frivolous fraudulent unkonw inquiries on my equifax credit report .i attempted to contact all of the companies in my report. However the information required by The FCRA to be on the report. Was clearly not on the report, they have no address, phone numbers, account numbers, or any references. one cant attempt to proclaim innocense or proof and right the wrong. I contacted all of them through myown investigationtThat is unlawful the customer requires information for due process. I was never notified. I have fraud alert and a police report on file. Indicating im susceptible to fraud please call. I got no calls and so many inquiries on the same day did not alert them either. I have credit monitor also.FCRA was violated my rights as a citizen and privacy act was taken. I want these inquiries that are fraud to be deleted at once. They are not mine. They are not accurate or verifiable, validate them. Due thorough investigation and send me new report reflecting the fraud and grotesque mistakes. We are entitled to due process. Dont infrinqe on our rights. Violations will have to be compensated {$1000.00} rach under section 617. Wet ink signatured contract of consent needed for proof of permissible purpose. 
XXXX XXXX XXXX XXXX and XXXX. 
XXXX XXXX XX/XX/XXXXXXXX. ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) ( XXXX XXXX ) (XX/XX/XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card paid off as soon as I got unemployment from the Covid epidemic Capital One Sold my debt apparently according to credit report Also this was all during Covid epidemic
Product: Debt collection

In XXXX of XXXX, my wife and I purchased XXXX XXXX of XXXX XXXX XXXX, XXXX, MA. Shortly thereafter, the housing market collapsed, which since lead on to Financial Crisis / Recession of XXXX. We had to vacate the property in early XXXX via foreclosure and the cash for keys program. In late XXXX, we were notified that XXXX XXXX XXXX XXXX was seeking over {$50000.00} for the secondary loan. After research on our part, it was noted that they were considered one of the largest and most notorious predatory lenders of the time.
Product: Credit reporting or other personal consumer reports

XX/XX/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 all of these inquries were made to my credit report, without my knowledge or authorization.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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