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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Credit Report Agency has included in my personal credit report information from other credit information obtained by XXXX, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. Trans Union action to freely place such incorrect information from XXXX and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : XXXX and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found Trans Union action to place the reports from XXXX and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$780.00}
Product: Credit card

On XXXX XXXX XXXX I applied for a PNC business credit card in response to a mailed solicitation. My application was denied on vague, unspecified grounds, with a PNC representative claiming there was derogatory credit information from XXXX without elaboration. This violates Equal Credit Opportunity Act ( ECOA ) requirements in 12 CFR 1002.6 ( b ) ( 1 ) mandating creditors clearly detail reasons for adverse action on a credit application. 
I promptly rescinded the credit agreement and security interest tied to the application since PNC could not justify the denial. However, PNC then refused to open a reasonable investigation into issues raised about violations of the Securities Act of XXXX and other consumer protection laws related to the credit solicitation. PNC failed to provide a written report on an internal investigation as formally requested. 
Specifically, I allege PNC violated the following in relation to the credit solicitation and application : 1. Sections 5 and 12 ( a ) ( 1 ) of the Securities Act of XXXX  regarding sale of an unregistered security 2. Sections 17 ( a ) ( 2 ) - ( 3 ) of the Securities Act of XXXX regarding obtaining money through false statements 3. ECOA provisions in 12 CFR 202 requiring specific reasons for credit denial 4. Unfair, deceptive practices under the Federal Trade Commission Act I formally demanded PNC implement improved policies and procedures to ensure legal compliance. However, PNC refused substantive discussion of these issues when raised. Continued disregard for consumer rights necessitates external intervention through action by the CFPB. I look forward to your contacting PNC Bank to open a formal investigation into the above issues.
Product: Credit card

XX/XX/XXXX I tried to redeem miles for an XXXX XXXX from my XXXX XXXX XXXX Account from the Reward program offered from my Citibank Mastercard that I opened around XXXX. Every dollar charged is a mile on XXXX XXXX as well as miles flown and they add up every month I charged on the Citibank Mastercard. When I called XXXX XXXX Customer Service, they said my Award Account had been compromised so they verified it was me through security questions and unlocked it and opened a new Account number and transfered my miles to the new Account # XXXX and I got my XXXX XXXX. After XXXX I didn't look at the account nor traveled and as of XX/XX/XXXX I had XXXX miles and then on XX/XX/XXXX I had only XXXX and a total STRANGER redeemed XXXX of MY MILES to purchase tickets. On XX/XX/XXXX a woman names XXXX, no last name called from XXXX Customer Service and verified if was me with security questions, and told me my account was hacked and someone stole my miles. I was DEVESTATED to say the least and she said she would help me get the miles put back and help with Filing the appropriate POLICE REPORTS. We opened a new XXXX XXXX Account # XXXX and she said she would be in touch. She never called back so I called XXXX Customer Service and they said I would not be getting the miles back. I was so upset, I asked who purchased the tickets as they know exactly who flew with the security in the XXXX today after XXXX. I said i needed those documents records from my account on flight, name, date, destination, ect, to file the police report. The man said he would send me 5 years of records from my account in 7-10 business days. It has been over a month and never got documents or any further calls from XXXX. I want to file a police report on who ever stole my miles and they know who that is and havent sent those documents to me. They will not give my miles back. I am asking for help on this please. I attached my account statements XXXX and XX/XX/XXXX and found out on XX/XX/XXXX when XXXX called me. I cant beieve they are so negligant on this issue and let someone steal my miles. I called Citibank and since no DOLLARS $ were chaged on my account they couldnt do anything and said I needed to go directly to XXXX XXXX which I did.
Product: Credit reporting or other personal consumer reports

Equifax is using a completely wrong information to generate a credit score which is ilegal since I am acknowledging that is not my SSN. That should be taken down no matter what. I dont want to have them report any score not even my personal score. I just need it to be taken down is affecting my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working XXXX hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even XXXX months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. XXXX thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized inquiries on my Experian and XXXX report and provided this information over to the reps, and managers at Experian and XXXX over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items Must be removed but instead they said they DO NOT and WILL Not remove and inquiries and gave no reason as to why. XXXX investigated and removed the unauthorized inquiries but Experian and XXXX still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness.
Product: Debt collection

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address via the XXXX Online Chat. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated with XXXX XXXX XXXX - XXXX XXXX XXXX XXXX and directly with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX denied and completed my fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to review and remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Due to XXXX XXXX XXXX and National Breach Under FCRA Dear Experian, I am writing to formally dispute several entries on my credit report that I believe to be the result of unauthorized activity linked to the widely publicized XXXX XXXX breach and a subsequent national breach. These breaches have compromised my personal information, leading to inaccuracies and fraudulent entries in my credit report. 

The specific items in dispute are : XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX ( Include additional fraudulent accounts or entries as needed. ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information on my credit report that I believe is inaccurate or the result of identity theft. Additionally, under Section 605B of the FCRA, if an identity theft report is provided, consumer reporting agencies are required to block the fraudulent information from the credit report within four business days of receiving the request.

Enclosed with this letter, I have included the following documents to support my dispute : A copy of my government-issued identification.

An Identity Theft Report, including a Federal Trade Commission ( FTC ) affidavit and a police report documenting the breaches and the identity theft. 

Evidence of the XXXX data breach and the national breach, which compromised my personal information. 

I hereby request that you : Investigate the disputed entries on my credit report. 
Remove or correct any inaccurate information resulting from the identity theft associated with the XXXX breach and the national breach. 
Provide me with a copy of my updated credit report once the investigation is complete. 
Block any fraudulent information from reappearing on my credit report as mandated by the FCRA.

Please confirm in writing that you have received this dispute and provide a timeline for the completion of your investigation. If these items are not removed, I may consider pursuing further legal action to protect my rights under federal law. 
I expect your prompt attention to this serious matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a account with home depot that was charged off as a bad debt. I had them in dept management program. They later refused the arrangement and told me I had to changed my payment amount through the debt management after being on the program for 3 years. I tried to negotiate with them but too no avail they charged it off as a bad debt and disregarded all the payments that I had applied through my debt Management program. Now they keep selling the account to different agencies that continue to harass me. And keep updateling the charge off after 4 years now keeping it in my file where it will never fall off after the law of ten years. This is not fair to all 3 of my credit files. This seems like fraud against me as a consumer and harrassment phone and mail wise.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts and hard and soft inquiries on my report as well as remove false personal information that has caused me so much harm since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged off i have also been sued for a payday loan from online in XXXX as far as i know i have at least 60 hard inquiries on my credit report i am unable to get loans or apts or a bank account i have to use prepaid cards for everything which has really affected my life i opened my own business tis year and i cant get a business loan to support my business i have suffered so much these past 4 years and i need this fixed please please help me get these things off my credit s \o i can have my life back
Product: Mortgage

Active foreclosure, when all all foreclosure activities were suppose to be suspended until XX/XX/2020. Wells Fargo continues to operate outside of all state or executive mandated moritoriums with very if any regards to the consumer. Wells fargo behavior in this particular case is well document with lies and mistrust again. Loan number XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a request regarding Procedures Request under 15 USC1681i ( 6 ) ( B ) ( iii ) and 15 USC 1681i ( 7 ) and this request was totally Ignored by Trans Union which failed to send me the information within 15 days as the law requires.I am aware of the fact that Trans Union could be liable to compensate me due to their untimely violation ( XXXX ). 
I submitted my dispute via CFPB # XXXX on XX/XX/year> and received results XX/XX/year> due to their violation of : The basis of my dispute was 15 USC 1681b ( a ) ( 2 ) and FCRA 602 and 604 ( a ) ( 2 ). These laws state that a consumer has a right to privacy and that a credit reporting agency can not furnish an account without my written instructions. The accounts disputed are listed below : XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX # XXXX. ( Closed Account ) Delete It! 
XXXX ) XXXX XXXX - # XXXX. Delete It. 
After receiving the results on XX/XX/year> I then sent Procedures Request under 15 USC 1681i ( 6 ) ( B ) ( iii ) and 1681i ( 7 ) that Trans Union FAILED to send me within the 15 days required by LAW. 
Today is XX/XX/year> and I am AGAIN requesting the name ( XXXX ) of the person ( XXXX ) that Trans Union spoke to along with their business name address and telephone number ( XXXX ). 
I also would like to also request the procedures used that led to the XXXX accounts listed above to be verified. 
If this information is not received from Trans Union within 15 Days I will be forced to SUE for violation of the aforementioned laws.
Product: Mortgage

We have an active short sale under review and offer and supporting documents were uploaded on XX/XX/XXXX. Despite several messages and calls the file has yet to be updated and the foreclosure date set for XX/XX/2018 no longer has a suspended status. Our offer is for {$770000.00} which is double the opening bid amount and higher than the current BPO.
Product: Credit reporting or other personal consumer reports

Regarding my XXXX XXXX account, I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Debt collection

In XX/XX/XXXX, I received a call from this company. I advised them that the alleged debt they claim I owe is not a debt that I recognize. I pulled my credit and submitted a dispute through the credit bureau. At that time, I also mailed a written dispute and a request for validation to this company - Ad Astra Recovery Service. I gave them 30 days to respond and advised per the FCRA they are required to provide this to me or they must stop reporting and cease collection efforts. I never received a response in writing. They only responded to the credit bureau as " verified as reported ''. How can a company claim its verified if they can not even send the consumer proof of the alleged debt? I just pulled my credit again in XX/XX/XXXX and noticed the tradeline is still on there. I followed up with them again and they claim they never received my letter back in XX/XX/XXXX This is very unfair to me. I did everything I was supposed to do per the law and they are not complying or following the law. This is an unethical business practice. This is not my debt. I am have repeatedly disputed this with them. They are not following the FCRA guidelines. If they are doing this to me, how many other consumers are being affected by this company? They should be investigated.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment to Citibank for XXXX to payoff the balance of my secured credit card. I tried to use my card around XX/XX/XXXX and the card was declined. I called the bank and was told that although a payment showed as posted it was on hold until XX/XX/XXXX. I told the rep that the payment cleared my bank on XX/XX/XXXX and wanted my funds released to my card. I was told that I would need to call back to speak with another department. Instead I started emailing Citibank so that I would have a paper trail. They kept telling me it would be available on the XXXX so I told them to close my account and refund my money. It is now the XX/XX/XXXX, they are no longer responding to emails but the account is closed and they haven't refunded me money!
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchase a vehicles back in XX/XX/2017 and I had know idea that all these hard Inquires will be on my XXXX report. I have wrote many letter asking XXXX to removed all of 11 hard inquires that were listed without me knowing it. When I request my credit reports thats when I saw all of these 11 hard Inquires that I requested XXXX to removed them off.