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

I was denied credit in   XXXX   XXXX     because of a collection account being reported on my credit report. I sent letters to all  XXXX  credit reporting agencies and explained that this account from SYNCB/Amazon did not belong to me.  XXXX  and   XXXX    immediately removed the account from my credit report. I found out when I was denied credit in   XXXX   XXXX    , that   XXXX   did not remove this error from my report. I filled out  XXXX  's online form notifying them this error was still in my credit report and then I called and was told that the creditor reporting this inaccurate information did not provide any type of documentation or verification that this account belonged to me and the creditor only had to state that I was mine without any proof whatsoever. I then called SYNCB/Amazon and after being on hold fo r 30 minu tes was told they could n't find me in their system. I explained that was because I did not nor have I ever had an account with SYNCB/Amazon. She then hung up on me. I called again, explained that this is not my account and was being reported on my credit report in error and again, they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Consumer Loan

Paypal.com in conjunction with a XXXX online order opened a " Line of credit '' in my former name XXXX XXXX XXXX billing me as Paypal Credit. The fees are high, as is the interest rate and as of XXXX/XXXX/XXXX I owe over {$100.00} on a purchase of {$41.00} made XXXX/XXXX/XXXX. 
The first customer service rep at Paypal told me that they do not have my SS # or birthday. Now a few days later, they say that they do. The advertising on the XXXX website for the paypal card is deceptive. 
Your agency nailed paypal for doing this with credit cards in XXXX XXXX according to XXXX Today. Now it appears they have found a way around the issues they were brought to court for and are issuing lines of credit instead. 
I have no paperwork from paypal stating the terms and conditions.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX  XXXX XXXX XXXX Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX, Note : HARD Inquiry : XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

Inquiry from XXXX XXXXXXXX XXXX XXXX, Note : HARD Inquiry : XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

Inquiry from XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

Inquiry from XXXXXXXX XXXX  XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

XXXX from XXXX, Note : XXXX XXXX - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

I want my credit report to be accurate, and by law you need to remove accounts that are inaccurate, incomplete, or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number 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 XXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Product: Credit card or prepaid card

I recently applied for and was approved for a Discover it cash back rewards card. The promotional mailer I received via XXXX, as well as their website, and terms, all state the promotional introductory APR of 0 % for 14 months for new purchases, as well as a balance transfer APR of 0 % for a period of 14 months. Additionally, all their terms very clearly state that depending on creditworthiness your APR will vary between 13.74 % and 24.74 % after the promotional 14 month period expires. 

Upon receiving my card in the mail a few days later, the printed agreement I received had completely different terms, other than what was advertised. I received no promotional APR for 14 months, and a completely different balance transfer APR of 10.99 % for 6 months. 

After immediately calling customer service and speaking to a variety of managers, it was explained to me that they reserve the right to alter or change what is actually given in terms of APRs, intro rates, or promotions, based on my creditworthiness. A customer service rep was able to approve a 12 month offer of 0 % APR for new purchases, but could not alter or give me the advertised balance transfer APR. 

Absolutely no where in the fine print in my mailed offer, on their website, or in the terms of the application which I downloaded, does it state that the actual offer itself is contingent on my creditworthiness. It only states, and very clearly so, that the APR given AFTER the promotional offer expires will fluctuate based on my creditworthiness. 

The sole purpose of my applying for this card was to take advantage of the balance transfer option. Their mailed and printed advertising is grossly misleading, and Discover was unable to give me the offer as advertised.
Product: Checking or savings account

Without any warning whatsoever, I received the attached letter from M & T BANK, closing a business partnership Account in which I am a signatory and also the record keeper for this checking account ( XXXX and XXXX, Acct ending XXXX ). This letter is not signed by any official ( merely " Business Banking '' ) and specifically states that " M & T Bank will not provide additional reasoning for closure of the referenced account and/or Services. 
Indeed when I inquired, I was told that privacy prevented any disclosure. HUH! Isn't this my account?? 
I am a practicing attorney ( for 48 years, and an impeccable record ) and have several personal, business and client accounts at M & T Bank. If they can do this legally and/or this is the Bank 's policy ( to close accounts without warning and without explanation ) then I will take my banking business elsewhere and advise clients to also use another banking institution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card has not updated my balance since X/X/2017 causing me to have a lower credit score. 
I want to buy a house and the lower ( incorrect ) score is causing me to have to pay a higher interest rate for a mortgage.
Product: Debt collection

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. And i have filed police report This is not my accounts They are fraudulent I repeat they are fraudulent
Product: Debt collection

CRA and HIPAA violations. I have no knowledge of the fraudulent collection activities on my Transunion credit report. FTC Identity Theft Report No. : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX  Case Number : XXXX Delete this account.
Product: Mortgage

I have had numerous problems with Chase lack of customer service through out the years. I have made attempts to modify my second mortgage with them three times after my first mortgage was approved and received piles of letters and made numerous phone calls which still resulted in no modification and continued to pay a high XXXX percent on my loan. I 've asked Chase repeatedly to work on the modification as I was having financial difficulty and the lower interest would help with brining the loan down. I got no where. 
In XXXX of 2016, I was selling my home and was in contact with Chase for my payoff. This was the second time after my first sale in XXXX fell through but they were well aware of the sale of the home, Chase then proceeded to sell my mortgage and delayed my closing for weeks as I had to find who they sold the mortgage to and await for them to get the payoff information on the loan. I received no letters regarding this and no forwarding information pertaining what they were doing. In addition to reporting late payments to my credit, the loan is reported as sold and I have no credit report of the loan being paid in full because of their actions which continues to harm my credit. The company they sold my loan to is not even showing on my credit or that the loan was paid. For all these inconveniences they have cause me as I continuously tried to work with them, would like all derogatory reporting on my account to be reverse and that the loan was paid by the company they transferred it to not showing just transferred and closed which is not accurate to the events that happened.
Product: Debt collection

Original debt showed XXXX XXXX  for approximately XXXX dollars. Then sold to Resurgent/LVNV. I tried to dispute with no success so I settled with a party representing Resurgent/LVNV. I sent a copy of the Settlement Letter, Cashiers Check, and the Postal receipt showing it was delivered to Resurgent. They will not remove the debt out of Collections on my credit report and I received a letter from them saying the evidence was not sufficient.
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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX 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 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, credit repair services, or other personal consumer reports

I pulled my credit report, and discovered that late payments were reported for XXXX, XXXX, and XX/XX/XXXX for my account. 

During that time, I was on an around the worldwide XXXX. I wouldnt dare purposely be irresponsible with this account. For some reason, I setup automatic payments, but did not have sufficient funds in the account when it processed. 

The men and women in the armed forces deserve the absolute best financial products on the market. These products should be simple, transparent and offer excellent customer service and an understanding about our difficulties that ensue during XXXX. I sent Chase a goodwill letter explaining my situational and they responded in a very unreasonable manner. XXXX members face unforeseen circumstances daily. We can not plan for everything that happens. 

I believe Chase failed to research my situation and complaint. Everything is not black and white. Although they have a program that allows reduced interest rates during XXXX, they fail to advertise that to servicemembers. When they found out I was XXXX, they could have made consideration for the late payments retroactively. 

My circumstances should be considered and their XXXX policy and advertisement needs to be revamped. They should be here to support not hurt the military.
Product: Credit reporting or other personal consumer reports

( Violation of FCRA, 15 U.S.C. 1681 et seq. ) Dear TransUnion Dispute Department, I am writing to formally dispute an inaccurate charge-off reported on my credit report for my XXXX XX/XX/XXXX account ( Account Number : XXXX ), which is falsely listed under the " Collection/Charge-Off '' status. 

This charge-off was settled and should not be reported as an outstanding derogatory item. Additionally, no IRS Form 1099-C was provided to me, despite this being a legal requirement when a debt is written off. The failure to issue a 1099-C indicates that this account was not legally charged off, meaning it should not appear as a charge-off on my credit report.

Violations of Federal Law ( FCRA & IRS Regulations ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits data furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Since this debt was settled, its charge-off status should have been removed.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Requires furnishers to update and correct previously reported information if it is found to be inaccurate or incomplete.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to conduct a reasonable investigation within 30 days when a consumer disputes information.

IRS Regulation ( 26 U.S.C. 6050P ) Creditors must issue a 1099-C for canceled or discharged debt. No such form was issued, proving that the charge-off claim is inconsistent with federal tax law.

Requested Action I formally request the immediate deletion of this charge-off from my credit report based on its inaccurate and misleading nature. The continued reporting of this account under " Collection/Charge-Off '' is an FCRA violation that is damaging my credit profile unjustly.

Supporting Evidence To support my claim, I have attached the following : Screenshot from my IdentityIQ Credit Report Showing the inaccurate charge-off.

Bank Records Confirming Settlement Demonstrating that this debt was satisfied.

Copy of My Drivers License & Passport Verifying my identity.

Legal Notice & Next Steps Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete or correct this inaccurate information within 30 days of receiving this dispute. If you fail to investigate and correct this inaccuracy, I will escalate this matter through the following actions : Pursuing legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Reporting this issue to the Federal Trade Commission ( FTC ) and IRS for further investigation Please provide me with written confirmation once this dispute has been resolved and the inaccurate charge-off has been removed. If TransUnion refuses to correct this error, I demand a detailed explanation, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

I appreciate your immediate attention to this matter and expect a response within 30 days, as required by law. If you require any additional information, please contact me using the details provided above. 

Sincerely, XXXX XXXX Attachments : Screenshot from IdentityIQ Credit Report Bank Records Confirming Settlement Copy of Drivers License & Passport
Product: Credit reporting, credit repair services, 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  Acct Number : XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX XXXX 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.