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

I am writing to express my extreme frustration and disappointment with XXXX XXXX XXXX, which I believe are in clear violation of the Fair Credit Reporting Act ( FCRA ). My ordeal with this service began on Thursday, XX/XX/XXXX, at XXXX XXXX, when I submitted a request for my credit report. It has now been 10 days since that initial request, and I have yet to receive access to the information I am legally entitled to under the FCRA. 

The FCRA clearly stipulates that credit reporting agencies are obligated to provide individuals with their credit file information upon request once a year. I have been diligent in my efforts to obtain this information by repeatedly contacting early warning services. Despite providing proper identification, including a picture of my passport and Texas driver 's license, I have been met with nothing but obstacles and a complete lack of cooperation. 

To make matters worse, early warning services closed my login information without any prior notice or explanation, leaving me unable to reset my password or access my credit report. This action has resulted in an extreme financial burden, as I am now unable to monitor my credit and make informed financial decisions. 

It is abundantly clear that early warning services have not only failed to fulfill their legal obligations under the FCRA but have also caused significant harm to my financial well-being. I demand immediate resolution of this matter and access to my credit report as mandated by the law. Furthermore, I expect a thorough investigation into the mishandling of my request and the breach of my personal information, as this is a serious violation of my rights as a consumer. Failure to address these concerns promptly will leave me with no choice but to seek legal action to rectify this situation.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Yours Sincerely XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - US SM BUS ADMIN XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # XXXX - XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Kohls/Capital One is reporting a debt on my credit report and I have requested several times they supply me with verification and validation of debt per my right under the FDPCA section 809 a and b. They refuse to provide but continue to report this debt on my credit. I am in the process of buying a home and if I lose this house I will hire and attorney and see damages actual and statutory damages. I have no problem sharing my story with the media as well to let them know exactly how Capital One treats consumers. I am giving you the opportunity to correct this first.
Product: Credit reporting

I filed a dispute with Equifax for an   XXXX   collection account on my file. This debt belongs to my son, not to me. They left the item on there. I can not be held liable for a debt that belongs to my son. This is a violation of the Fair Credit Reporting  Act. Sect. 611 ( a ) ( 5 ) ( A ) ( i )
Product: Debt collection

this company is in many section of the fcra including but not limited too 604 and 609 i dont owe this third party collector upon asking for validation they can not give any i have not done business with this company and it needs to be removed asap this is really affecting my financial future
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts stated below has violated my rights : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX ) contacted me regarding an alleged debt. I informed them that I do not owe this debt and that it is not mine. Despite this, I continue to receive communication from them regarding this account. I was told it was a web bank account that belonged to a business. I checked my credit report and found this account on my TransUnion and XXXX credit file. I disputed but it was not removed. Apparently, they are not verifying this account because it would have been removed from my credit file. 

I have also attempted to provide proof of my identity and request verification of the debt, but my requests have not been acknowledged or addressed adequately. 

This situation has caused me significant distress and has negatively impacted my credit report, as I am concerned about the potential consequences of this erroneous collection.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This late payment status is irrelevant XXXX XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX Please see the attached file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

My car ( XXXX XXXX XXXX XXXX ) damaged during hurricane Harvey. My car insurance is with XXXX. XXXX appraised my vehicle at {$16000.00} at the time. I received the car loan from ALLY Financial. They paid Ally Financial {$16000.00} on XX/XX/XXXX. On XX/XX/XXXX my gap insurance called ALLY Financial on the remaining balance which was {$3500.00}. My Gap insurance paid ALLY Financial {$3500.00}. XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a bill from ALLY Financial of {$1300.00}. I called at XXXX and talked to customer service and ask why do I have a balance. Ally Financial informed me that they were charging me between XX/XX/XXXX and XX/XX/XXXX because my gap insurance took about three months to pay the remaining. I informed them it was paid in full regardless of how long it took my gap insurance to pay them. Maybe they should charge me late fees but they were requesting three months of full payments. I was paying about {$420.00} a month before Harvey. They told me that is how loans are and they gave me no help and keep hanging the phone on me when I tried to discuss this situation. I need help because it is unfair and that is why I'm reporting this because I do not want this on my credit report and other customers should not go through this ordeal.
Product: Debt collection

I have never received any correspondence from this collection agency. I have never heard of them and would it to be removed from my credit report.
Product: Credit card

XXXX XXXX, XXXX Synchrony Bank Payment Research Department I had a XXXX XXXX Credit Card through your bank. The card was transferred to XXXX XX/XX/XXXX. I got a new card but I did not change the Account Number on my online banking. As a result I sent two payments to Synchrony Bank. These payments should have gone to my new XXXX XXXX XXXX account. 
I have had a great deal of trouble communicating with Synchrony Bank and would really appreciate some help with this issue. 
I made two electronic payments. 
{$140.00} on XXXX XXXX, XXXX {$81.00} on XXXX XXXX, XXXX I used my XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX The payments did not bounce back to my account or get transferred. 
My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like those payments transferred to my XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX I am including my Banks Proof of Payment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter sincerely XXXX XXXX
Product: Debt collection

On Wednesday, XX/XX/XXXX, I received a phone call from Capital Management on behalf of another third party, XXXX XXXX XXXX, for a company called XXXX XXXX XXXX. I informed the caller I have no idea what this company is nor did I ever have an account with them. I then received a letter in the mail stating that Capital Management has been engaged by XXXX XXXX XXXX on behalf of XXXX XXXX. Again, I have never applied for credit or have any knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax failing to properly investigate my disputes regarding inaccuracies on my reporting. Despite my submission, Equifax Consistently response within 24 hours stating that the accounts is accurate without providing any evidence or thorough investigation. The practice violates the Fair Credit Reporting Act. ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complied with federal law and provides consumers with a necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} written off. {$710.00} past due as ofXX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$23000.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : Equifax Mortgage Services, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am disputing the interest charged on the purchase made on XX/XX/XXXX from XXXX for {$1200.00}. This charge was for Tickets to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX game that was played on XX/XX/XXXX ( see attachment XXXX Statement ). 

This transaction qualifies for the XXXX XXXX XXXX XXXX promotion for 6-month interest free financing as it met the following criteria : Purchase was greater than {$250.00} Purchase was made at XXXX Purchase was for an XXXX Ticket Reference the following attachments XXXX Card Terms and Conditions and XXXX Email Confirmation of Ticket Purchase XXXX 

The first interest charge appeared on my XXXX Statement ( see attachment XXXX Statement ) which I received notice of via email on XXXX ( see attachment XXXX Email that Statement was Ready ). 

I first noticed the interest charge on XXXX and immediately called the credit card company at XXXX ( see attachment XXXX XXXX XXXX ) As of the date of my call, 49 days had elapsed. 

During the call, I spoke to a representative named XXXX. He indicated that he had seen this type of glitch happen before and he was going to request the purchase be recoded. He advised me that he would call me back mid-next week and advise me of the status and recommended waiting to file a written dispute ( as indicated in the Terms and Conditions ) until I heard back. XXXX provided me with claim # XXXX. Prior to XXXX calling me back with an update, I received a letter from Comenity acknowledging the claim and indicating they would provide me results within 90 days. Due to the acknowledgement letter, I did not submit a further written dispute. 
The Terms and Conditions for the XXXX XXXX state that I must contact the credit card company within 60 days of when the error first appeared on my statement. The charge of interest for a transaction that qualified for promotional financing on XX/XX/XXXX was when the error first appeared on my statement. 

I received a letter from Comenity denying my claim on XX/XX/XXXX that was dated XX/XX/XXXX ( see attachment XXXX Claim Denial Letter ). The letter provide 5 possible reasons for the denial of the claim, upon calling ( see attachment XXXX XXXX XXXX ) was told by a representative that the claim was denied for reason 5 It has been more than 70 days since the transaction first appeared on your billing statement. Note : This reason conflicts with the time provided to file a complaint in the terms and conditions mentioned above of 60 days of when the error first appeared on my statement. 

I submitted additional documentation to Comenity on XX/XX/XXXX to further support my dispute and additionally paid off the balance in full on XX/XX/XXXX including all accumulated interest.
Product: Checking or savings account

Never received {$700.00} bonus. I have called Citi bank over XXXX times to solve this issue. I have mailed Citi bank XXXX  times regarding this issue as well. I have also mailed in copy of Promo offer. I also received after opening the account a confirmation of the promo offer. I attached a copy of the confirmation and the promo that was sent directly to me. I have attempted to resolve this issue for XXXXmonths and no one has reached a solution on this matter. I have completed ALL of the steps on my end, {$50000.00} remained in the account for the time I was supposed to. Please check my account. 

I have spent countless hours on the phone and submitting document via mail. No solution has been reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting from an account that was opened almost 9 years ago and thus should be removed. 
NCB is reporting collections for the XXXX account and is double reporting the XXXX account that should also be removed.
Product: Mortgage

I was under forbearance plan and was attempting to make payments with was rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies ABLTY RECVRY Account Number : XXXX XXXX responded to my letter with a removal. XXXX and XXXX have sent responses stating the item was verified correctly 15 U.S.C 168 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Conventional real estate mortgage Amount Past Due {$860.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$830.00} Term 360 Months Payment Frequency Monthly ( every month ) On Time Payments 92 % Date Reported XX/XX/XXXX XX/XX/XXXXPayment Status 30 Days Late Amount Past Due {$860.00} Lender Info XXXX XXXX XXXX XXXX XXXX, PR XXXX Remarks Affected by natural disaster. 

THIS INFORMATION IS FALSE THE ACCOUNT IS NOT LATE THE BANK ACTUALLY OWES ME MONEY AND THEY ARE SENDING FALSE INFORMATION AND AFFECTING MY CREDIT SCORE.