23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I saw advertising for a " XXXX XXXX '' very frequently on XXXX. the bank is Barclays in Delaware. My appliction number is XXXX I believe this bank or its card services department/affiliate ( Luxury  Card ) is involved in unfair and deceptive advertising. 
I finally decided to apply. i believe i am well qualified. my XXXX  stands at 790 plus and i am a multiple mortgage holder with loans close to {$2.00} XXXX at rates under 3 percent and terms of 30 year fixed. 
so far, i have not recievd the card. i have received letters and phone calls asking for additional information. the bank/its affiliate is asking me for a completed 4506T IRS form in order to continue processing my application. 
I informed them that i had filed for an extension for 2021 taxes and sent them my W2 form. they keep asking for the same document. 
i feel that this request is unusual and unfair. this requirement was never brought up when i was doing the phone application and was not mentioned anywhere. 
i am concerned about the following scenarios : 1. this is a fraudulent advertising for getting consumers ' information for illegal or shady purposes. 
2. this is discrimination. 
3.if none of the above, then this process of obtaining their credit card is extremey restrictive and probably more than 90 to 95 percent of applicants would not qualify. 
if this is the case, then why advertise so much? and not communicating to potential applicants the fact that form 4506T IRS form will be required in addition to other requirements for obtainig their card. 
it is not fair for consumers to share their private and sensitive information with this institution and lose points on thier XXXX  score if they are not going to get approved. 
Please help me figure what i have gotten myself involved in and how to resolve it. 

thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to have all names removed from ALL 3 reporting agencies and reported as such. 
XXXX XXXX XXXX, I am only 1 person. I have no other names or priors. 



Credit Report Date XXXXXX/XX/XXXXXX/XX/year> Name : XXXX XXXX XXXX ( only name that should appear ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Former : - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent XXXX Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the inclusion of a XXXX account on my credit report, which I believe is the result of identity theft. The residential address linked to this account is not mine and does not appear anywhere on my credit report. Additionally, I was a victim of the XXXX data breach, which exposed my personal information and has since made me vulnerable to identity theft. 

At one point, my mail was diverted from my correct address to another location without my authorization. Upon discovering this issue, I promptly resolved it with the U.S. Postal Service. Despite my efforts, it seems that this unauthorized activity has resulted in fraudulent accounts being opened in my name.

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( c ) ( 2 ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving a proper request. I am once again submitting a copy of my completed Identity Theft Affidavit and supporting documentation to confirm my identity and the fraudulent nature of this account. 

Additionally, case law supports my position. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court emphasized the duty of credit reporting agencies to ensure the accuracy of consumer reports, particularly when informed of inaccuracies. Further, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court affirmed that credit bureaus must promptly act to correct errors and protect consumers under the FCRA. 

Given this context, I demand that Experian : Immediately block the reporting of the fraudulent XXXX account in compliance with FCRA Section 605B ( c ) ( 2 ).

Provide written confirmation that the account has been removed from my credit report.

Cease any further reporting of this fraudulent account to other credit bureaus or creditors.

I trust that Experian will act promptly to correct this matter. Failure to comply with the FCRA requirements may leave me with no choice but to escalate this issue further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action if necessary. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : Unknown # XXXX - Date Opened XX/XX/XXXX
Product: Debt collection

Diversified consultants keeps calling to collect a debt I don't owe, reporting it to different credit agencies repeatedly. a debt of XXXX is said to be owed on some equipment that was retuned but not credited
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management I am writing this letter in response to the phone call/letter received from you on ( XX/XX/2021 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

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

MY NAME IS XXXX XXXX XXXX AND I BEEN TRYING TO CONTACTA STUDENT LOAN COMPANY THAT HAS BEEN REPORTING ACOOUNT WITH A STATUS OF COLLECTION, OR PASS DUE OR WITH SOME TYPE OF PAYMENT ISSUE, ALL OF MY STUDENT LOANS ARE ALL PAYED SO THE BALANCE IS 0 AND AS AGREED. 
THE ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased a console light from XXXX for my SUV. The seller sent it by media mail and the XXXX opened it and determined that it was appropriate for the shipping costs and discounts. The XXXX returned it to the sender but it was scanned delivered to or around my mailbox before they inspected it. The price was {$200.00} and some change. I have sent Syncrony Bank XXXX Mastercard the documentation from XXXX Supervisors that I didn't receive the package that GPS Tracking shows the package was returned to the shipping address of the seller, and therefore i am not responsible. This has been going on since XX/XX/year>. They are refuse to contact XXXX or even acknowledge that I am providing information and documentation to support my claim.
Product: Credit reporting or other personal consumer reports

I am writing to formally request, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, that you block the reporting of information on my consumer credit report that is the result of identity theft. This request is based on the identity theft detailed in my FTC Identity Theft Report # XXXX. 

Fraudulent Accounts Identified : 1. A credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX with account number XXXX and a total balance of {$3500.00}. 

XXXX. A credit card account with XXXX XXXX opened XX/XX/XXXX with account number XXXX and a total balance of {$4200.00}. 

XXXX. A second credit card account with XXXX XXXX opened XX/XX/XXXX with account number XXXX and a total balance of {$730.00}. 

XXXX. A credit card account with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX with account number XXXX and a total balance of {$6800.00}. 

XXXX. A credit card account with XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX and a total balance of {$12000.00}. 

XXXX. A Collection Account Associated with XXXX XXXX XXXX  through the collection agency XXXX XXXX XXXX opened on XX/XX/XXXX for an amount of {$3500.00}. 

These accounts were fraudulently opened without my knowledge or consent and have led to unauthorized hard inquiries and collections on my credit report. In accordance with FCRA 605B, I request that the bureaus : 1. Block the reporting of the identified fraudulent accounts, inquiries, and any related information from my credit report within four ( 4 ) business days of receiving this request.

2. Promptly notify the furnishers of the identified information that it may be the result of identity theft, that an identity theft report has been filed, that a block has been requested, and the effective dates of the block. 

XXXX. Cease all collection activities related to these fraudulent accounts, as mandated by the Fair Debt Collection Practices Act ( FDCPA ). 

To summarize, the aforementioned accounts and associated collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these accounts are the direct result of identity theft and fraud. To support this claim, I have attached a copy of my FTC Identity Theft Report ( # XXXX ) as well as copies of my consumer credit report from XXXX, Experian and XXXX, showing these fraudulent items. I trust that the necessary steps will be taken to address and resolve these fraudulent items in accordance with applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past few months I was shopping for a loan to buy a vehicle. When I went to find out why my FICO score had dropped by over 40 points at Experian, the website showed the amount of new credit as being 'FAIR ' because these inquires. They were : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Of these financial institutions I only used one for a loan XXXX XXXX Lending, which was paid off within two weeks. 
When I called Experian on XX/XX/XXXX I was on the phone for an hour and never got an explanation on why this was a negative affect on my FICO score. They sent me from one department to another. Their explanation was that each Credit Bureau had their own method of creating a FICO or Credit score. They told me to get a third party to intervene. I told the Experian representative that the algorithm used by Experian was their problem and that they had the responsibility to explain how this effected me negatively and fix the issue. 
I find this to be intrusive upon my ability to SHOP for the best Interest Rates and length of a loan without being penalized. No one should be subjected to this disparity just because off an inquiry. If I had taken loans with each of these financial institutions, then I could understand it affecting my FICO and Credit Scores. I was also told that there was no way to have this information removed for two years. That is unacceptable. Now I have excellent credit, but what about other people who are struggling to get a loan and are also doing multiple inquires. NO ONE SHOULD BE EFFECT THIS WAY.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or 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: Credit reporting or other personal consumer reports

i, XXXX XXXX am victim of identity theft I have never applied for credit from XXXX XXXX XX/XX/XXXX or XX/XX/XXXX this is not my mine and needs to be removed immediately from my credit report. Also I have never lived at XXXX XXXX XXXX and I never had the phone number XXXX XXXX XXXX XXXX XXXX. My parents apply for my security number when I was born. The Fraud Alert of " INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/XXXX '' needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX opened for {$300.00} XXXX XXXX XXXX  opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX , I was also a victim of the XXXX  data breach, XXXX XXXX XXXX XXXX data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted disputes ask you asking for investigations into XXXX XXXX XXXX  account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. XXXX XXXX has come back saying that there was an issue in their software and because of that they could not report to Experian. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far
Product: Credit card or prepaid card

I HAD A XXXX I HAD XXXX COVERAGE ON THE ACCT THE BANK XXXX XXXX REWFUSED TO ACTIVATE THE INSURANCE THAT SHOULD OF PAID THE ACCT THEY HAVE SENT THE ACCT TO A COLLECTIONM AGENCU MEANS THE BANK HAVE COMMITTED FRAUD THEY SHOULD BE PUNISHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I kept getting emails and letters in the mail saying I was qualified and then I would go to apply and I would never get approved so it kept hurting my credit over and over
Product: Checking or savings account

I have an account in Regions bank. I lost my card and come to find out I had  XXXX  stolen from the atm using my pin and I do not know how it happened. I am suppose to be protected. They declined my claim a few times and now trying to contact corporate. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I checked my Equifax credit report and discovered a collections Account. 

According to Equifax, the Date of Delinquency was XXXX XX/XX/XXXX, and the Account status was " UNPAID ''. 

I filed a dispute and attached the payment confirmation email from XXXX XX/XX/XXXX showing the payment was made. 

On XXXX XX/XX/XXXX I received notification of Dispute resolution : THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DESCRIPTION *STATUS DATE *BALANCE *BALANCE DATE *LAST PAYMENT DATE. 

Due to the Corona Virus situation, Equifax offers weekly reports through annualcreditreport.com, so on XXXX XXXX, XXXX I checked my Equifax credit report and noticed that although the Status is listed as " Paid '', the Last Payment Date is listed as XX/XX/XXXX. 

Accordingly, I filed a second dispute, as the Last Payment was made in XXXX. 

In the Equifax dispute center, the 4 options were : 1 ) I paid this debt before this account went into collections. 
2 ) The balance or past due amount is not correct. 
3 ) This collection is included in my bankruptcy. 
4 ) I believe I am a victim of fraud or identity theft. 

I chose 2, as it was the closest. Additionally I added a comment specifying that the Last Payment date was incorrect, and to refer the payment confirmation email dated XX/XX/XXXX. ( I re-attached the payment confirmation email to this dispute ) On XXXX XX/XX/XXXX, I received the following Notification of Dispute Resolution : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. 

On XXXX XX/XX/XXXX I checked my Equifax credit report. The " Last Payment Date '' is still listed as XX/XX/XXXX. It seems Equifax ignored my dispute comment and my supporting document. 

On XXXX XXXX I filed another dispute, this time calling and speaking to a representative to make sure that there was no confusion. I explained very clearly that the " Last Payment Date '' was incorrectly listed as XX/XX/XXXX, when it had been paid in XX/XX/XXXX. 
The Equifax representative even confirmed that my previous dispute included the confirmation of Payment email from XXXX XX/XX/XXXX showing the payment was made. 

Last week I received a letter with the Notification of Dispute Resolution : WE HAVE VERFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECT, THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. 

On XX/XX/XXXX, I checked my Equifax credit report again. The " Last Payment Date '' is still listed as XX/XX/XXXX. 

In conclusion, despite filing 3 disputes and including evidence of payment from XX/XX/XXXX, Equifax has failed to correct the payment date on the account, and still lists the Last Payment Date of XX/XX/XXXX. Not only does it appear that the account was delinquent for an extra 3 years, but the incorrect date of XX/XX/XXXX is 5 days after I filed the original dispute on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.
Product: Mortgage

I called on several occasions and requested the trustee and indentured trustee information and a copy of the entire indenture including all supplements or where I could find it and I was told they did not have this information for my account. I am requesting that they provide me this information.
Product: Consumer Loan

I financed a car in 2011 a brand new XXXX and it was under warranty the car then had a factory issue and was returned to XXXX. The finance company Summit Financial was to be refunded for the remaining loan amount once the car was sold at the auction. Now 6 years later the finance company is reporting negatively to my credit file on Friday XX/XX/XXXX the balance was XXXX when I spoke with them and tried to come to an agreement or resolution the where very rude and seemed to care less even though they are not reporting correctly. As soon as we hung up the phone they turned around and changed the balance to XXXX and reported to transunion that I owed this crazy amount that is not true or legal. I called them back and asked them to correct it but they said they do not care and they are illegally reporting inaccurate information