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

I am writing to request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The inclusion of these accounts and inquiries on my credit report is fraudulent and unauthorized, and I am entitled to have them removed as they resulted from identity theft or unauthorized access. 
The following accounts are to be blocked and deleted : Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$29000.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$10.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$590.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$910.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$270.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$820.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} Additionally, I request that the following inquiries be blocked and deleted from my credit report : Inquiries : XXXX. XXXX XXXXT o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX OF XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Home Depot is reporting an alleged late payment from 2019 to third parties, and this information is inaccurate. I have requested that this information be removed on several occasions via phone and letters. If Home Depot believes that this information is accurate. I'm requesting to be provided with proof in accordance with UCC 9-210 " Request For Accounting ''. Account statements will not suffice.
Product: Credit reporting or other personal consumer reports

TransUnion, Responding to closed complaint # XXXX. 

In your response to the CFPD complaint you stated After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. 

Your comment further validates my concerns that the XXXX XXXX ( XXXX ) accounts listed on my credit report do not match the account # s I had with XXXX. 

I've attached a letter that describes the issue in detail.
Product: Debt collection

Care credit claims I owe {$1500.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have requested competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. They stated I have made payments towards this account. I've ask them to send me a copy of the account payments where taken from. Whom the payments where being made from. They said they verified and confirmed my identity over the phone but if I am being threaten or scared into a debt, I am not sure what other information they could have received from me. I am requesting documentations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX  XXXX {$880.00} Accounts are not mine and were illegally put on my credit report
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023 till XX/XX/2023, transunion on behalf of XXXX XXXX have been checking my XXXX. Not sure why or how to make this stop but it is negatively effecting my credit and ability to open a bank account. Please make this stop!
Product: Credit card or prepaid card

I disputed a flight ticket that I believe I was overcharged on. The total was {$110.00} and I believe it should be {$60.00} less. This purchase was made on XX/XX/XXXX. I contacted XXXX on their customer service portal twice requesting a copy of the receipt with a full breakdown of the fees. Once around XX/XX/XXXX and again a week later on XX/XX/XXXX. I never received a response. Today on XX/XX/XXXX I attempted to dispute the charge by telephone with Chase. The representative was very dismissive. First she said have you flown already, oh I can't help. I said that's not true. If I purchase an item and receive it and realize I'm overcharged I can dispute it and have in several other cases. Then she said do you have a receipt and I explained I didn't and was requesting the one from XXXX and they ignored all my requests. She said I can't help you, you're out of luck. I know by law they can dispute without receipts and request the vendor produce oXXXX that is the whole point of the dispute process. She said no. I said I'm contacting CFPB after this can I have your name or ID number. No and hungup. I made this call around XX/XX/XXXX at XXXX Arizona XXXX.
Product: Checking or savings account

I filed a dispute for unauthorized charges on my debit card while I was out of the country in XXXX. The dispute was denied. I was told because I had used the card after the charges, however that was on XXXX, not the actual card, prior to discovering any fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX COLLECTION ( Original Creditor : COLLECTION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered some inaccuracies that violate 15 USC 16c-2, and I believe this is harming my credit standing. The hard inquiries shown were not authorized by me.
Product: Debt collection

The account westlake financial XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and The Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C. 1692c ) law Clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication in they continuously keep trying to contact me and reporting to all credit bureaus XXXX XXXX XXXX and XXXX
Product: Debt collection

They keep calling me harassing me, calling both of my phone numbers and I told them several times to stop calling me and they still continue to call, they sometimes call and say nothing or call me blocked.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( Richardson v. Fleet Bank of Massachusetts ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Money transfer, virtual currency, or money service

XX/XX/2020, I made a skeptical purchase from a company selling XXXX XXXX for {$240.00}. This website was apart of PayPals Buyers Protection.

After two months of not receiving the product, PayPal reached out to the company. The same day of submitting a claim with PayPal, the company marked the item as delivered that had been showing in transit for weeks on end. PayPal told me they could not do anything about my situation. 

Under PayPal, the company name reads, XXXX XXXX. 

Neither did I receive the product, but I am out of {$240.00}. I ended up buying a XXXX from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to open a My Equifax online account to place a security freeze on my credit report with Equifax. I have been unable to do so because when I try to log in I get an error message " We are temporarily unable to complete this request. '' I started contacting Equifax on XX/XX/XXXX by phone and was told " Someone would reach out to me in 48 hours. '' Nobody ever did, so I followed up over XXXX XXXX on XX/XX/XXXX, again being told they would respond shortly. They never did, I followed up on the XXXX and was told they were still investigating, I followed up again on the XXXX and was told I would be contacted back on the XXXX between XXXX and XXXX and was never reached out too. I have since reached out after XXXX on the XXXX, and then again on the XXXX and the XXXX with no response from Equifax since the XXXX of XXXX. They have ignored all of my requests and I am unable to place a security freeze due to them ignoring my request for help repeatedly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX ( b ) ( c ) of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts, names, public record and inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Bank of America found out I am refinancing my first and second mortgage with a mortgage company by receiving a payoff statement. They have added an " expedited payoff service fee '' of {$30.00} to each mortgage statement for my XXXX bill. I have not received any documents from the mortgage company or any other closing documents yet! Can Bank of America add this {$30.00} fee, now?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made an attempt to remove a number of inquiries from my transunion credit profile I did not authorize the companies below to perform. They refused to remove them. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit an notice that there were some fraudulent accounts on there Iam a victim of idenity theft was involved in XXXX XXXX where i was XXXX XXXX XXXX i have police report some one was using my driver license for speeding tickets was investigated & on police cam it shows it was not me also i have hospital records from XXXX XXXX as well i will attached those as well i just need to get my life & credit back to normal so if you can help assist me with that i would be more then appreciated.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, XXXX was all contacted by XXXX different companies over the last XXXX  years on my behalf and nothing has happened or changed. There is in accurate credit cards showing up, loans etc, I even sent letters and called on my behalf and nothing has happened. I wasted money on trying to fix this! I never had any letters sent to me validate my letters, or any form of communication.
Product: Debt collection

National Credit Systems is reporting XXXX collection accounts on my credit report : {$1500.00} & {$620.00} respectively. I have contacted their office several times asking for an itemized summary of the charges that constitute these debts, but they will not supply me with this information.
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 XXXX XXXX XXXX. 


FRAUDULENT ACCOUNTS : Account Name : XXXX FIN # XXXX Account Name : XXXX  MTG # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX AUTO # XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

Refer to Previously Submitted Request # XXXX : Specialized Loan Servicing is NOT the servicer after XX/XX/XXXX. However, Specialized Loan Servicing ( a debt collector ) has been harassing us to pay off an alleged loan- which was PAID IN FULL -- - XX/XX/XXXX. 

The account was service transferred BACK to XXXX XXXX XXXXXXXX XXXX effective XX/XX/XXXX. 

We have sent cease and desist letters to Specialized Loan Servicing several times - and now they have created a payoff statement seeking money- under false pretense. 

Both, Specialized Loan Servicing and XXXX XXXX are debt collectors. 
( Even though the account was paid in full in XX/XX/XXXX ), we have not paid a payment since XX/XX/XXXX BECAUSE There is no payment due!!!!!!! 

But IF there was a payment due, per the Statute of Limitation laws here in Virginia, for mortgages, a debt collector is time-barred from attempting to collect - after 5 years for promissory notes, or 6 years maximum. 

That would be XX/XX/XXXX. Both companies are violating the Fair Debt Collection Practices Act. 

XXXX XXXX has sent several documents to us - showing paid in full. However, of course, NOW they have purged them out of their system. 

Recorded documents are also recorded in our County records, accordingly. 

We would be happy to forward additional supporting information later.
Product: Checking or savings account

XX/XX/2018 {$7200.00} Called and visited local branch at : SunTrust XXXX XXXX XXXX XXXX, XXXX ga XXXX SunTrust placed an imaginary legal order debit on my business account without producing documentation and I don't owe any debts. 

Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. An LLCs bank account may be garnished if the debt is a business debt. If the debt is personal, SunTrust should not garnish the account. 

A garnishment does not occur until a creditor has proved that the debtor legally owes him the sum he seeks. When analyzing whether my LLCs bank account is subject to garnishment, the first step is I determined whether if the creditor has received a valid judgment against me as the debtor. Typically, the creditor must first sue you and secure a court order demanding that you pay the debt that's due. If the creditor has not received a judgment against you, my LLC account can not be garnished. 

Limited liability companies shield their owners from personal debts and obligations. If the debt is personal -- such as a personal loan made to you as an individual rather than as an agent of your LLC -- the LLC account can not be garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

I leased 3 XXXX vehicles and turned all 3 in within a 45 day period. They were in pristine shape, however over in mileage. The lease end bills came rolling in and being that I was charged an additional {$4600.00}, and less than 30 days to pay, I immediately contacted the customer service number. I discussed payment arrangements for the 3 vehicles and faithfully paid monthly and in full in less than 6 months. I discussed errors, such as wrong spelling of last name and one lease was tagged as early termination, which is incorrect. No help, just transferred calls and unkept promises. I was alerted my credit monitoring of late payments and they reported payments late when I paid ahead of schedule. I have emailed, called and faxed, filed complaints, called cooperate in regards to the credit reporting and nothing has been done. I have pages of logged conversations, supervisors names and everyone of them have promised to look into the situation and not one of them have followed through. I had 3 leased vehicles with GM Financial and NEVER missed 1 payment in 3 years, not 1. I then proceed to pay them an additional {$4600.00} and they report late payments for excess mileage. This is not right and I am asking that these unfair marks on my credit are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery has repeatedly re-aged a debt that is over 10 years old to give the appearance of a new debt, which is clearly illegal. After disputing this debt through XXXX they have been unwilling to correct this mistake and remove this error from my credit report.
Product: Credit reporting or other personal consumer reports

Ive been making regular payments to my carecredit credit card and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.
Product: Checking or savings account

I have a XXXX XXXX XXXX at Capital One bank My account number is XXXX and the routing number is XXXX. I submitted a check for the amount of XXXX on XXXX and it was accepted and ctedited to my account as well as a check for XXXX on XXXX. As stated above they were accepted and credited to my account however the institution is refusing to allow me to withdraw my funds because they are going to return " supposedly ''. I was informed that it could take years for them to return. This is ridiculous. I need this money to survive in these crazy times. This is my money and I need it now!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX XXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXX Balance : {$5100.00}.