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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a dispute letter to Experian as I found a company by the name of XXXX XXXX   reporting inaccurate information on my credit profile. XXXX XXXX was and still is reporting multiple opening dates across the 3 bureaus, so I knew the information was inaccurate and showed Experian the proof. As of XX/XX/2018 Experian had not responded, so on XX/XX/2018 I sent another letter to Experian explaining that I had not received a response from them in 30 days. They finally sent me a response dated XX/XX/2018 stating that unless I provide additional relevant information to support my claim they would not reinvestigate the information again.
Product: Credit card or prepaid card

I paid the annual fee on my credit card on XX/XX/2020. A little over a month later the bamnk decided it was going to close my card with no reason given. The account has remained in good standing with no negatives, nor has any negative information appeared on my credit reports. I would like my annual fee back. I contacted the bank asking for a refund for the annual fee and they mailed a letter declining my request
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax credit report and noticed some inaccurate information on my credit profile. I noticed these XXXX accounts XXXX XXXX  In showing I was 60 days past due and XXXX XXXX was saying I was 120 days past due. I do not recall being late on either of these accounts and they have yet to give me any validation on them. I never received any statement saying I was late. 

Per Pursuant to 15 USC 1666b 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.
Product: Credit card

I purchased a TV from best buy in XXXX and my introductory APR recently expired in XXXX of XXXX. I was told by the sales rep and a women from Citbank who handles Best buys credit card that the interest was not compounded at the end of the promotional period. This however was not true, all of the interest is compounded therefore sticking me with a {$1500.00} interest charge on a {$1500.00} purchase. I feel that I was misled by several members of the best buy sales team, and the Citibank agent who handles the best buy credit cards. I was never told that any payments on the account would go towards the highest interest charge. I feel that this is to help consumers but it in fact hurt me because I was unable to pay off the promotional balance in time. I was financially abused by Best buy to get the most money out of me as a consumer. I paid more than the minimum balance through online bill pay so I never really checked the bill and small print. If i was not mislead I surely would have made sure to have the promotional APR paid off in time. Best Buy also reduced my credit limit from {$2200.00} to {$700.00} making me overdrawn therefore dramatically hurting my credit score. This has been an incredible pain effecting my credit as we try to refinance our home. In All Bestbuy citibank has abused me as the consumer effecting my credit score, and making me pay close to 100 % in interest.
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. 

I have informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

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 reporting or other personal consumer reports

After reviewing my credit reports I believe I have become a victim of identity theft. Many accounts were established in my name without my permission or consent. Please be reminded that the FCRA Section 605 ( B ) states that any fraudulent accounts that resulted from identity theft shall be blocked in a certain time frame. Also, the Fair Credit Reporting Act states that it's important for credit reporting agencies to maintain accurate information on credit reports. I am writing this letter to remove any fraudulent accounts that don't belong to me. I have provided you with a police report and Federal Trade Commission Identity Theft Report detailing the crime. I have been working with the police and I have hired an attorney as well as a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be removed from my credit profile immediately. Experian, XXXX and XXXX are practicing willful negligence and unethical verification of fraudulent information of my credit report by not complying with the FCRA.
Product: Debt collection

On or around XX/XX/year> I became delinquent on a XXXX account and the account was written off and went to collection. The time frame of 7 years has passed and both the charge off and collection failed off only for another company or same company to rephrase the debt and place back in my credit report. 

I was not able to really catch this new tactic that collections are doing, until I reached out to a credit repair company as. I am homeless with a XXXX XXXX child having a hard time establishing credit as I dont have a residence address to use. So these collections so far 3 that have been put back and disguised as if its valid has hinder my ability to obtain housing. 
I Currently have XXXX as a cell phone provider, They welcomed me back after the 7 years statute of limitations expired. So why do collection companies get to falsify data to keep ruining a person livelihood?
Product: Credit reporting or other personal consumer reports

Dear TransUnion Team, I am writing to formally request corrections to my credit report, as I have previously notified you of errors that remain unresolved as of XX/XX/XXXX. Below, I have provided a detailed timeline and outlined the specific corrections I am requesting. 

XXXX of XXXX Initial Notification : On XX/XX/XXXX, I received a letter from TransUnion notifying me of recent changes to my credit report. 
Follow-Up Notification : On XX/XX/XXXX, I received another letter requesting clarification regarding whether I had hired a credit card company. My response to that inquiry is an unequivocal NO. 
I have attached copies of both letters for your reference. 

Additionally, I already sent my drivers license and bank statement as proof of my identity and address. However, I continue to receive the same form letter from TransUnion requesting proof of address, despite having already provided the required documentation. 

Please note that I am saving all correspondence and documents related to this matter as evidence of your negligence in addressing my dispute. These records will be used in the future if this matter is not resolved promptly and correctly. 

Requested Corrections to My Credit Report Name : Please confirm and retain my only legal name : XXXX XXXX XXXX XXXX. 
Remove any variations or incorrect entries of my name. 
Address : The only valid address that should appear on my credit report is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. 
Please delete all other addresses listed on my credit report. 
Employer Information : Remove the following employer information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I have no current or past association with these entities, and they should not be reflected on my report. 
Supporting Documents To assist you in resolving this matter, I have attached the following : Copies of the letters I received from TransUnion on XX/XX/XXXX and XX/XX/XXXX. 
Proof of my identity ( drivers license ). 
Proof of my address ( bank statement showing XXXX XXXX ). 
Next Steps I kindly request that you : Investigate these errors and remove the incorrect information from my credit report. 
Provide me with a corrected copy of my credit report upon completion. 
Confirm receipt of this letter and clarify why additional proof of address is being requested after I have already provided it. 
Your repeated failure to address these inaccuracies is causing undue stress and negatively impacting my financial opportunities. I trust you will prioritize this matter in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if additional information is required. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I received a loan from XXXX XXXX  XXXX. It was sold to a third party a few months later. By them selling my account to a third party that means I do not have an active account with them. I have already paid what was owed to the third party XX/XX/XXXX. I have sent letters, emailed, and called but did not get a response.
Product: Debt collection

ever since we moved to Florida in XX/XX/XXXX we have been living at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fl.XXXX in XXXX I had a XXXX XXXX done, and in XX/XX/XXXX I XXXX XXXX found out that they were some XXXX XXXX by some of out tenant, I went to the main office and question their staff and was told that is was true. I asked them if they were going to take the to court to remove them from the complex and I was informed by the staff that they were going to wait to their lease was over and terminate their lease, so I felt that XXXX XXXX XXXX was not thinking of their other tenants. they were placing my life in danger, I did not renew my lease and moved out in XXXX XXXX XXXX. they placed me with a collection agency Hunter Warfield to collect and extra month because I did not tell them that I was moving from the complex before my lease was up in XX/XX/XXXX. the collection agency placed my account with the credit bureau before they contacted me. 
I had been sending XXXX a month for the last ten months and now Hunter Warfield informed me that my payments were not enough and they would send it to their legal department. 
what recourse do I have as a consumer. 
Sincerly XXXX XXXX
Product: Credit card or prepaid card

I have an Amazon Prime credit card from Chase Bank. 
Months ago I ordered Amazon Prime and used it for 2 months, for which I paid. I then cancelled before the next billing cycle ( online ) and it read : Your Amazon Prime has been canceled, you will not be billed. 
Sine then I have been billed every month, including late charges, and interest. I have spoken with Customer service reps and supervisors 5 separate times. They all assured me that this was all cleared up and I owe NOTHING. I even have an e-mail from one confirming this. And yet ... .the statements keep coming. The last one says I owe {$38.00}. 
Yesterday I mailed them a letter saying that I filed a complaint with the FTC.
Product: Credit card

On XX/XX/2022 KOHLS closed and charged off a store credit card in my Name. KHOLS states they own the account, but they do not own my information in said account. KOHLS proceeded to sell my information to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as KOHLS by way of securitizer CAPITOL ONE, N.A. is a financial institution who is to remain compliant with the FTCs Gramm-Leach-Bliley Act. XXXX XXXX was sold all my Nonpublic information. And per contract law, XXXX has no enforceable contract with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a  letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : XXXX XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Student loan

I have applied for the Public Service Loan Forgiveness program multiple times. I was enrolled for a few months before I consolidated my loans ( early 2017 ), at which time they told me I would need to re-apply. Over a year later, I still have been unable to get my PSLF application approved because I have " missing documentation ''. I even went so far as to upload all of the correct paperwork while on the phone with a representative to verify they had everything they needed. Once that was verified, I thought it would work, but I still have not had any payments go towards my PSLF. I have now lost over a year of qualifying payments and don't know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have wrote to The collection agencies XXXX and Equifax to remove this from my credit report and it has not been removed. This bankruptcy has been on my credit report since XX/XX/2012. This bankruptcy has reached a statute of limitations for Georgia which is seven years. I would like for it to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB My name is XXXX XXXX. I have been a victim of identity theft. Someone has been using my personal identifying information to submit nepharious applications for credit since XXXX of 2023. On XXXX someone applied for a XXXX XXXX with with personal information. On XXXX we spoke with XXXX from XXXX 's fraud team, who cancled the application and submitted a request to remove the inquiry from my reports. The comenity has been deleted from XXXX and XXXX but it is still showing on equifax. I've contacted equifax multiple times requesting they remove the inquiry. On XXXX I spoke with XXXX from equifax who ensured me the inquiry was removed and even sent me a credit report. The credit report he sent still had the inquiry. On XXXX I called XXXX and got XXXX to submit another request to remove the inquiry. On XXXX I spoke with XXXX from equifax who submitted a request to remove the inquiry after confirming she recieved the deletion request from equifax. She even gave me a confirmation number XXXX and promised it would be gone in 10 days. 18 days later it was still showing. I called equifax back on XXXX and spoke with a supervisor by the name of XXXX. He again confirmed they recieved the deletion request and promised he would hae the inquiry removed. He gave us a new confirmation number XXXX. I waited another month and it was still on my report. On XXXX I called equifax back and spoke to a supervisor by the name of XXXX who again promised to remove the inquiry and gave a new reference number XXXX. He said it would removed in 5 days. 30 days later I checked and its still on my report. I have exhausted every option. Please help me with holding equifax accountable and deleting this incorrect information from my report. 

Best regards, XXXX.
Product: Debt collection

Account was paid in full, the debt collections agency was forwarded proof but is still reporting inaccurate amount and debt that was paid. I forwarded all documentation and the basically called me a liar
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with Experian and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and Experian were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Equifax who over a year ago removed XXXX accounts reporting from XXXX after they exceeded the 7 year from last reported delinquet. XXXX has now again reported reaged debt by simply not showing late payments before XXXX. I have contacted Equifax and so far they keep saying XXXX is stating they are reporting correctly. This is not legal when these accounts are over XXXX XXXX XXXX. The partial account info is XXXX and XXXX. This practice must stop as it just happened to my wife with yet another XXXX Account.