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

XXXX XXXX should not be reporting a collection/chargeoff in the amount of {$180.00} to Transunion on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. I have also attached a copy of the payment history. ) This account has in fact been paid and this false reporting of a collection is seriously harming my credit score. This line item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted both XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$990.00} Actions That Were Taken ; I did not give written consent for Equifax, XXXX, or XXXX to put this on my credit report Fraud Account Remove Immediately. 
Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$590.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$530.00} Company Name : XXXX XXXX Date : XX/XX/XXXX Amount : {$800.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$280.00} Actions That Were Taken ; I have reached to each credit bureau individually and I have received any response to remove this information
Product: Debt collection

Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by sequim asset solutions in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called XXXX XXXX, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.
Product: Money transfer, virtual currency, or money service

someone stole my id ss card an made there own stuff. they have got my unemploment for the whole time that i was soppose to receve it an also a biness grant start up thay have bought a house an a number of cars an trucks in allit is over a XXXX  dollers i also have letters saying that i have receved ssi for XXXX an never seen a XXXX the law at XXXX XXXX va has a report and i know who it was that stole it well most of it they are really trying to kill me or hurt they are taking the money an paying people to do it if you dont help i will never see 2023 and thats the truth plz help me i live at XXXX XXXX XXXX in XXXX va XXXX my phone number is XXXX i really need help XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information and expect a prompt and reasonable investigation into my claim. The following item ( s ) on my report contain errors :
Equifax, Experion, TransUnion, XXXX XXXX The ingestion did not fix the errs of Data Breach of my personal information XX/XX/year>. 

Enclosed are copies of relevant documents supporting my dispute, including my driver license, social security card and utility bill. 

Under 15 U.S.C. 1681o, failure to comply with the FCRA due to negligence makes the responsible party liable for actual damages, costs, and attorneys fees. If this matter is not resolved appropriately, I will pursue further action to enforce my rights. 
Under 20 U.S.C 1232G ; 34CFR Part 99, which grants me the right to control access to my educational records, as well as Title IV of Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

I request that you correct or remove the disputed item ( XXXX ) within 30 days and provide written confirmation of the changes. Please also send me an updated copy of my credit report reflecting these corrections.

If you require additional information, you may contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and expect a timely resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 those account 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. 


XXXX XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote a dispute letter to Transunion to have a XXXX XXXX XXXX XXXX account removed from my credit report. When I received the results, the account was not even mentioned. This means that there was no investigation done and the account remains on my credit report. I do not understand why the account is still on my credit report as the account does not belong to me. Transunion is breaking the Fair Credit Reporting Act and the account must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 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 or 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 card or prepaid card

I am a current XXXX member. I order quite a bit through this app. On XX/XX/22 XXXX started sending me a green link to apply for a chase XXXX credit card the promotional offer was {$200.00} XXXX credit plus XXXX XXXX XXXX XXXX membership. On XX/XX/22 I clicked the link and applied for the card. On this same date I got a confirmation email that I applied. On XX/XX/22 I got an email stating I was approved and to expect my card I. The next 5 days. On XX/XX/22 I got a {$100.00} promotional credit applied to my XXXX account. In immediately called and was told it was an error and that Chase was aware of it and would fix it. I called and was told that they were putting in a request to apply the additional {$100.00} to my XXXX account that was never applied. I called a few times after this date and was told the request was in process. On XX/XX/22 I got a letter Al telling me I was not eligible for the promotion. I only applied to to this special promotion to buy food for my child for school. I called again to find out why I was not issued the credit and the rejected my request. He told me it was too bad and that there was nothing he could do. I have been a customer of chase for over 28 years. I do not appreciate the treatment I received or the customer service I received. I was told I would be getting the adjustment. Please help me get my {$100.00} that I was promised. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX to investigate 2 hard inquiries on my Equifax and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX  ), XXXX ( XXXX XXXX  XXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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: Mortgage

M & T Bank ad ded {$2100.00} to the pay-off amount because they said the request for the pay-off was within 60 days.     The truth is there were several requests for pay-off over the 2 years my property was place into foreclosure b y M & T Bank. These requests were made to M & T Bank an d  XXXX   XXXX   XXXX    XXXX   ( the serv icer of my mortgage ). There were several discussions between  XXXX  and I about selling the property as a short sale and other options. These discussions included requesting and obtaining pay-off amounts.     It is mean spirited and advantageous f or M & T to c harge me {$2100.00} to issue a pay-off letter when for over 2 years the property was in foreclosure and  XXXX  was assisting in selling it.     Thank you,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of the inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX via XXXXXXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX via XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX  : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX via XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX : Requested on XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 602 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 maty 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 ) Section : States 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: Checking or savings account

I discovered a fraudulent transaction on my bank account. It was completed electronically through my bank without my knowledge. The company is XXXX XXXX XXXX XXXX. When I called their toll free number ( XXXX ), a  service answers that does not identify the company but placed me on an extended hold. 
I researched the toll free number and found this site https : XXXXXXXX XXXX At the time I looked, there were 21 reports of fraud by this company in the span of 13 days with at least three different banking institutions. It appears that they may have hacked or otherwise found a way to access accounts from M & T, XXXX, and XXXX XXXX XXXX  at a minimum. The individuals who said they were able to speak to a person from the toll free number stated that that person could not identify the companies that charged the funds but that it was for random internet sites. All of the complaints had similar small amounts of funds taken without their knowledge. 
NOTE : Step 4 of this process required that I name the company the complaint is about. This is not possible since the company is a FRAUD and is not listed in your system. Unfortunately, I had to enter the name of my bank.
Product: Credit card or prepaid card

I applied for XXXX XXXX rewards XXXX card by Barclay in XX/XX/2022. The first card end in XXXX. I never activated the card nor did I use it. In XXXX I receive a bill statement for {$4800.00}. I called the company to report fraudulent activities because I never even use the card. I see that the card was used for many cash advance transactions and numerous XXXX services that was over few hundreds dollars per service. Never have I ever use cash advance nor do I have an XXXX account. XXXX did an investigation and concluded that it was fraudulent because it shows on their system that I never activate the card the end of XXXX. They said they would credit me for ALL the fraudulent charges and will send me a new card. I got the new card in XXXX ending XXXX. Again this card was also not activated because now I am cautious about this credit company. For some reason they transferred {$1300.00} from the fraudulent card to my new card in XXXX. I called them right away to dispute the charges. Why is there still charges on my credit statement. I was transferred numerous time to different departments and none of them can help me. They each said that I cant help you. Let me transfer you to investigation. Investigation department transferred me back. I have to call many times to resolve this problem. It is now XX/XX/2022 and the last person we spoke to keep telling me that to look at my statement to see any charges. I keep telling her that there is no charges to the new credit card because I never activated it nor use it. The charges was still from the last dispute. It was futile talking to her and I requested to talk to a manager. She said it will be five days before anyone can call me back. I waited two months to resolve this problem but to no avail. My credit is greatly affected by this because of the late payments reported. My credit score has went down XXXX points because of this incident and it has impacted my health for I have no piece of mind and unable to get other credits for my home needs. This credit card company has lied and never investigate my request when I called to dispute about this. I have to keep calling back over and over again. At one time I overheard their representative talking to each other saying that I am trying to not pay and laughed. And no this is not an exaggeration. I will be filing another complaint with local state agency regarding this credit card company. For anyone out there please do not used this credit card company. It is unreliable and they dont abide by customer service laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified by XXXX XXXX that they were unable to pull my Equifax credit report. They were successful in pulling reports from XXXX and XXXX. I contacted Equifax and they tell me they could not locate my credit data file. I am XXXX years old. I have had a credit file since approximately XX/XX/XXXX and suddenly it doesn't exist with Equifax as of sometime in the past year! I have had no difficulty accessing my Equifax credit report in previous years. I have had a Fraud Alert on my account for several years and have successfully lifted the freeze numerous times -- most recently XX/XX/XXXX-XX/XX/XXXX. I have always been able to use my PIN # to lift the alert online. Now, I am unable to lift the fraud alert with my Equifax account. I have tried unsuccessfully lifting the alert online, by the automated phone system as well as the phone app. I have spoken to several Equifax representatives over the past 2 weeks with no success getting to the root of the problem. Most recently I was told that even though I gave them my PIN #, I would need to mail/fax a copy of my driver 's license and social security card to them before they can help me. I am in the process of purchasing a new home ( within 10 days ) only to find that I am unable to apply for credit for appliances or more importantly apply for homeowners insurance ( they will run a credit check ) as well as set up utilities. What am I supposed to do while we wait for this to be resolved. The customer service representatives kept referring me back the website or automated phone systems to lift the alert! It doesn't work!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX || Account number : XXXX - XXXX  || Account number : XXXX - XXXX || Account number : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) || Account number : XXXX - XXXX || Account number : XXXX - XXXXXXXX XXXX || Account number : XXXX XXXX XXXX XXXX || Account number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My loan for XXXX was paid in full XX/XX/XXXX. I paid over XXXX for this loan I paid XXXX twice a month for about 1 year. Never missed a payment in good standing with Uprova. I refinanced the loan once. But was on good standing with company. I received an email stating my loan was paid in full and was eligible for a new loan. My daughter XXXX was coming up so I wanted a smaller loan just to get additional items for her big day. Submitted loan on XX/XX/XXXX was approved waited for deposit never received it. Then I looked online and it gave me an adverse action rejection my loan with no information why. Just said unable to verify application. Tried calling they were no help kept reffering me to compliance and they dont have a number just email communication. I still have not been able to given a proper reason for denial of my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request that the following accounts be removed from my credit profile : XXXX XXXX XXXX and Medical Collection. XXXX XXXX XXXX XXXX It has been more than 45 days since I first contacted you regarding these accounts, and they are still appearing on my credit report. 
I mentioned I was in a Data Breach Previously & also placed a security freeze on my account fraud alert. 
I updated personal information as such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providing my Address and as well as License for Proof of address and still theres things lingering on my account that clearly is no prove to have no connection or accurate proof to me in no way. 
I would appreciate it if you could remove these accounts as soon as possible and update my credit report accordingly. It is NOT MINE and defamation to me, due to the FCRA is also against the consumer law. This has been hindering me tremendously for far too long now. 
I WANT THIS GONE NOW so I can live my life without any financial hardship and anymore due to the negligence of the Equifax Credit Agency I am stuck in a dark place where I cant even obtain credit to help me in my dyer situations and that alone is not FAIR as a Honest and victimized individual. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX