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

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 

The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 

Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : Account Name : Achieve Personal Loans Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. 
Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

The company that I requested the information from claimed that the information disputed had been verified, however I have received no such proof. I ask again that the above information be verified per the means requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company reported a debt that I do not recognize. I also. see multiple inquiries from XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown phone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Unknown address XXXX XXXX, XXXX XXXX, MD XXXX. XXXX XXXX, XXXX, MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Product: Debt collection

I had XXXX XXXX but i paid for everything i owed and when i switched insurance companies I paid the remaining balance. However, I just pulled my credit and noticed that i have a collection on my report. I have tried to get this removed because i don't owe them anything since I've paid my bill with them. I haven't received a bill from them in detail either. Please assist me in getting this removed from my report. I've tried challenging the collection with the credit bureaus but haven't had the results i hoped for. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

They have violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that the consumer does not initiate.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE COMPANIES 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 AN 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

PORTFOLIO RC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX,, XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX XXXX XXXX, all three credit bureaus have different information that is not accurate
Product: Vehicle loan or lease

I like a car at XXXX XXXX Im XXXX Montana. They told me I needed a co signer. Found one and they set us up with first interstate bank. That was XX/XX/ 2018. My co signer who is now the main borrower stole the car. I found out my signature is forged on the banks contracts. All of them. And they confirmed it. Now Im out XXXX $ and no car? XXXX XXXX manager told me hes having dinner tonight with the president of first interstate bank and that I need to watch my back .... XXXX with first interstate bank says its XXXX. I know I didnt sign any documents that first interstate bank has. I was a check for XXXX at first interstate bank and they can take their forged documents and do what ever. Bank took my money says clearly on the contract voided is voided which my signature is voided due to forgery! XXXX is my number. XXXX first interstate bank
Product: Credit card

Wal-Mart/Synchrony has violated my consumer rights and closed my account 3 days after I used it and with no notice to me as the consumer. I am a XXXX XXXX XXXX and still XXXX and because of their unfair, unethical customer service I stand to lose my escrow, loan and my military security clearance. I have paid on time and at times twice a month and more then the min. Their pay system and app has many issues and I have serious concerns about there business practices. this is just of their ways of singling out folks. the person I am talking is the XXXX his name is XXXX -ID XXXX so now I have to worry about my PII being Stolen. now 42 min into the call I get transferred to start all over again. 

I had a credit line of XXXX and only XXXX of it was used. How can it go from me using there card 3 days ago and to being closed with out notices 3 days later. this is some type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX the XXXX I received a letter from American Coradius International LLC. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is XXXX XXXX. I do not have a XXXX account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them? 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

i have already disputed with each bureau on XXXX XXXX XXXX, but they did not remove these items.

Sec. 602 States I have a right to privacy. 

XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

Citi has been harassing me with offers for a high interest loan product, Citi XXXX Loan. Over the past 6 months, I have contacted them 4 times asking them to CEASE sending me offers via, mail, email, and app. On the 3rd request, I let them know I would be contacting all relevant agencies if I received one more letter. I am contacting you for your assistance in having Citi cease sending me Citi Flex Loan offers, as they will not do so on their own volition. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am filing this complaint because on XX/XX/2021 there is an authorized hard inquiry on my Equifax credit report. Before I decided to file this complaint, I did confirm through the annual credit report website that this was indeed a hard inquiry. Also I am 100 percent certain that I did not authorize this or apply for credit. The bank / lender that initiated the credit inquiry XX/XX/2021 is XXXX XXXX I attempted to rectify this situation with them but after speaking with the fraud department, I was told that they don't have access to credit files and that the company would not be able to help me. Also, I contacted Equifax. I received conflicting information from Equifax. Although their site says that disputes can be handled over the phone, online or by mail, I was told by a supervisor that they don't handle disputes and that I should contact the FTC. The FTC 's website connected me to the CFPB for assistance. I take my credit very serious and I feel it is an unfair practice for XXXX XXXX to initiate this inquiry on my credit report. Once last thing that I will mention is that I checked all 3 credit agency reports. XXXX shows a XXXX XXXX  soft pull on the same date and there is no XXXX XXXX inquiries on XXXX. Weather intentional or in error, I am simply asking for help to get this fixed. I look forward to your reply. Thanks in advance.
Product: Credit card

As part of a settlement agreement, which Citibank claims it has honored, balance on accounts including Bestbuy are to be waived in full. I have not been able to obtain a hard copy of credit report, unable to confirm trade line waiver on credit file, however, my online Bestbuy account still shows a balance due with past due payment. Further, my attorney has not received settlement payment, due by XXXX XXXX.It appears Citibank has not fully honored settlement agreement.
Product: Mortgage

I had a mortgage with Bayview Loan Servicing loan number was XXXX. I requested information from them in reguards to the payment history that is reporting on my credit file. The bureaus are not reporting the full history and I believe it to be past the statute of limitations. I requested the full payment history from Bayview since the bureaus are not reporting it and what they sent was only an acknowledgement letter. I never received any type of payment history to match with what they are sending the the bureaus. I have attached a copy of the letter where they indicated that the proposed resoultion would be by XX/XX/2020 or if additional time was needed they would send me notice of that as well. I did not receive anything other than what was attached.
Product: Debt collection

As I checked my credit report this morning I verified that this account Im reporting to be deleted and blocked is still on my report and affecting my credibility.
Product: Credit card or prepaid card

I redeemed reward points for a {$100.00} gift card for XXXX XXXX. I received confirmation that the gift card shipped but I never received it. I contacted American Express and they told me the problem was that they didnt have my town listed on the address where they sent the gift card. They indicated that they would send a new one. I never received it so again I called American Express. They verified my address and then said they would conduct an investigation. Today I reviewed a letter saying that unfortunately, your point redemption is final, and therefore the gift card is not eligible for return. I am not trying to return a gift card. I am trying to receive what I was promised. Im sure they can confirm that the gift card was never used.
Product: Credit reporting or other personal consumer reports

The collection account balance is incorrect for the following XXXX XXXX acct # XXXX in the amount of {$700.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, Amazon charged my prime card through chase {$20.00}. Card ending in XXXX XX/XX/XXXX, I called can canceled the card ending in XXXX On XX/XX/XXXX, Amazon charged the XXXX card {$29.00} ( how does chase allow a charge to be made to a canceled card ) On XX/XX/XXXX, I called XXXX at XXXX and XXXX. I spoke to the representative about the wrongful charges made. He instructed me to call Amazon and have the charges refunded On XX/XX/XXXX. I called Amazon at XXXX. The times were XXXX and XXXX. I had to speak with them twice. Chase did not tell me initially it was two separate charges. 
XX/XX/XXXX. Amazon refunded both amounts ( XXXX & XXXX ) to my chase prime credit card. 
On XX/XX/XXXX, chase charged my XXXX XXXX checking account, ending in XXXX, {$72.00}. 
On XX/XX/XXXX. I contacted chase at XXXX, I was on the phone for 1hr and 4 minutes. I was hung up on and told I would be contacted by the security department. At XXXX I called again and was told the same thing XX/XX/XXXX. I called chase at XXXX, was on the phone for 22 minutes and once again told the security department would call me. I was abruptly hung up on I called again at XXXX, was hung up on within 2 minutes I once again called at XXXX. I spoke to several people from multiple departments. I was on the phone for 1 hour and 30 minutes. The wrongful charge to my XXXX have not been refunded because I did not file a fraudulent charge ( even though I told the gentlemen on XX/XX/XXXX that I was wrongfully charged by amazon ) I spoke to a supervisor that refused to help me. He said he filed a complaint and in fact did not. 
I did speak to a supervisor that was helpful and filed a complaint. The number is XXXX
Product: Mortgage

During Covid my house hold was down to one income which was mine. I then requested a forbearance plan and was granted that for up to 2 years but at the time of the expiration of the forbearance plan I hit a financial snag due to me being involved in my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then was out of work for a short while but when started another job unfortunately that job after was paying enough.
Product: Debt collection

I request verification like the original signed consumer contract from Portfolio Recovery Associates Amount {$4200.00}. I sent them three letters requesting documentation like the original signed consumer contract as required by FCRA, but they never produced it. The only sent a letter the original creditor sold the account to Portfolio Recovery Associates. I sent three letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They could not produce verification of the debit. They said they verified, but Who verified no documentation was sent to me. How did they verify the debit? This is showing as a collection and hurting my credit. In addition I noticed today a second account has appeared as collection in the amount {$6700.00} now I will be starting the process with this account. I have sent three letters to all three credit bureaus as well which I will be filing complaints on as they did not provide the required documentation.
Product: Credit reporting or other personal consumer reports

I noticed inquiries on my 3 major credit reports that I never gave permission for these companies to run my information. XXXX  XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX on XX/XX/year> . Please remove these inquiries as I never gave permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit bureau and representative of consumer financial protection bureau, I am submitting this complaint because my consumer rights have been violating for 3 years, since the Experian and XXXX showing the information that completely doesn't belong to me. I tried to talk to XXXX, but this company doesn't even allow to dispute the information. Their agents just tell they don't know how to help and that I need to dispute this information directly with bureaus, but once I submit a dispute with bureaus they verify that this account is mine. BUT I NEVER OWN ANYTHING TO XXXX. I submitted the FTC report, but no results. I got a mortgage with high interest rate, because of this account and I still struggle because of the fraudulent account, I have no idea where it came from. I request a deletion of this account as soon as possible. Otherwise I will reach XXXX with attorneys and request financial compensation, since I am having a lot of losses on my business as well.
Product: Credit reporting or other personal consumer reports

My account with TransUnion 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 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.

TransUnion 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
Product: Checking or savings account

I have had multiple issues where chase has delayed my XXXX transfers from my XXXX XXXX XXXXXXXX account to the account I have with them ( chase ). Each time Ive called them in always told its a technical issue going on with XXXX and Chase that they have been trying to resolve, yet they never send out any alerts via email or text to notify clients so we are aware and can manage our finances during that moment. Ive had multiple times where I only had my chase card on me and needed to make a purchase, I Zelled money from XXXX XXXX XXXXXXXX to Chase & chase will delay the XXXX from 24 to 48 hours, which is really inconvenient! XXXX XXXX XXXXXXXX will confirm the money has been deducted from that account and sent to chase, but XXXX will claim tech issues. A XXXX transfer usually doesnt take more than 5 minutes. Its frustrating during moments when I have no cash or any other funds on me. This is very frustrating for a XXXX mom of XXXX!