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

To whom this may concern : This complaint is due to the unauthorized inquires on my Transunion report. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX CA XX/XX/XXXX, XX/XX/XXXX/XXXX XX/XX/XXXX. It would be greatly appreciated if these inquiries be removed from my Transunion report as soon as possible. Also, the account XXXX/XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX/XXXX  account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Transunion be able to properly verify something that they no longer own. Also, the collection account XXXX XXXX was not properly verified either with physical proof of debt validation just updated as " Verified as Accurate ''.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute an unrecognized credit inquiry on my credit report. I believe this inquiry was made in error or without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries must be authorized by the consumer. As I did not provide authorization for this inquiry, I request that it be removed from my credit report.

The details of the unrecognized inquiry are as follows : Date of Inquiry : XX/XX/year> XXXX Name : XXXX XXXX XXXX Finance ) I kindly request that you investigate and remove this unauthorized inquiry from my credit file within 5 business days, as required under the FCRA. If this inquiry can not be verified as authorized, I expect prompt removal, and I appreciate your cooperation in maintaining the accuracy of my credit report. 
If you require any additional information or documentation to process this request, please let me know. Thank you for your attention to this matter.
Product: Debt collection

I received an email with a phone number to pay {$23.00} for a purchase of gasoline, there was only an automated payment system that required payment in full, {$53.00}, which I paid presuming it included another purchase of gasoline made a couple days later. A few hours later, I received an invoice, not a receipt, showing that CheckRedi had applied {$30.00} in fees over the course of XXXX days. These fees were not disclosed and the company has refused to refund the money. I have attempted to resolve this issue to no avail and received a condescending lecture from their representative as to how I was in the wrong for using their automated system instead of speaking to a representative. This is an unfair trade practice and constitutes usurious rates.
Product: Credit reporting or other personal consumer reports

Well, first my information was incorrect on the credit site also my information was expose in the data breach of XXXX and XXXX so Im trying to figure out why is this information with these fraudulent medical bills credit reporting and repose that I never had a car was on there
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Money transfer, virtual currency, or money service

today XXXX, XXXX  at around XXXX XXXX  today I got a message from one of my good friends on XXXX XXXX She asked if I could do her a favor and send her cousin money for groceries so she gave me a number and I Zelle them {$120.00} for groceries for the XXXX XXXX or whatever they needed it for. My friend then asked me for my name. Thats when I called her mobile and she told me she got hacked, but I had already Zelled the {$120.00}. I called my bank and they said since the transaction already went through, there is nothing they could do to put the money back on my account.
Product: Checking or savings account

Bank of America closed my bank account due to fraud and when I tried to tell them about it in XXXX  the told me that it was nothing I could do
Product: Credit reporting or other personal consumer reports

~ XX/XX/XXXX I noticed an unknown account posted as collections onto my credit report for ~ $ XXXX ( Rounding, as this debt collector continues to change these amounts ) and I filed a dispute letting all 3 credit bureaus know that this account is not mine and I have no agreement/relationship with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX later learning this company has been dissolved since XX/XX/XXXX ) ~ XX/XX/XXXX, I received a response from XXXX stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I then asked for further investigation and received the same response, " Reinvestigation Info. This item remained unchanged from our processing of your dispute in XXXX XXXX. '' Transunion stated " Dispute resolved '' No changes made. 


XXXX XXXX XXXX XXXX XXXXXXXX has viciously reported balance increases every month at different amounts to different credit bureaus with added remarks and repeated illegal false reporting, further violating my rights and impacting my credit. 

~ XX/XX/XXXX To date, I am continuously denied loans & housing due to their false reporting. Discrepancies on these accounts that aren't mine show as follows : - XXXX " XXXX XXXX XXXX '' [ spelling shown is exactly what presents on report ] " original creditor '' " {$10000.00} '' " open balance '' " opened XX/XX/XXXX '' increased balances over past year - Experian Account Name XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$10000.00} Balance Updated XX/XX/XXXX Original Balance {$9000.00} Terms 1 Months On Record Until XX/XX/XXXX Credit Bureaus have not done their due diligence. Over the past year and a half this company has not only harassed me repeatedly, they have also severely impacted my credit and my ability to seek loans & housing for me and my child with their false reporting. Not only is XXXX XXXX XXXX and XXXX XXXX XXXX dissolved/inactive companies, they are also false reporting and using deceptive tactics under " XXXX XXXX XXXX '' while still DBA " XXXX XXXX XXXX '' I have no agreement, contract, nor any relationship with either of their companies. They can not be an original creditor when they haven't been an active company since XXXX. Because it is illegal to report false and inaccurate information, this should be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX which appears on my credit report. Upon reviewing the reports from TransUnion, XXXX, and XXXX, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues : Inconsistent Reporting Across Credit Bureaus : Key details of this account, including the Date of Last Activity, Date Opened, and Account Status, vary across the credit bureaus. These inconsistencies violate the FCRAs requirement for accurate and consistent reporting. 
Failure to Accurately Reflect Transfer to Another Lender : XXXX lists the account as " Transferred to another lender, '' while TransUnion and XXXX do not include this information. If the account has been transferred, all credit bureaus must accurately reflect this status. 
Misrepresentation of Account Status : The account is reported as " Indeterminate '' for its status, which is vague and misleading. FCRA requires clear and accurate reporting of account statuses, such as " Closed, '' " Settled, '' or " Transferred. '' Misrepresentation of Payment and Balance Information : While the balance is reported as {$0.00} on all three reports, TransUnion describes the account as " Charged off as bad debt, '' while XXXX lists it as " Charge-off, Transferred to another lender. '' This inconsistency suggests inaccuracies in how the account 's resolution is being reported. 

Requested Action : I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, status, and remarks, across all credit bureaus. 

Update the account to clearly reflect its status as " Transferred, '' " Closed, '' or another definitive status. 

Ensure the reporting aligns with FCRA standards for accuracy and clarity, particularly regarding the transfer of the account to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one. XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX  ) XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NO RESPONSE OR COMPLIANCE FROM XXXX   XXXX, OR EXPERIAN SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. (  They should delete these items from my credit report. ) I filed a dispute with XXXX  XXXX, and EXPERIAN on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on XXXX XXXX & Experian listed below : 1. XXXX XXXX XXXX Unverified Account XXXX. XXXX  XXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of Experian negative inquiries listed below : 1.  Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX 3. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date :  XXXX - 3. Creditor : XXXX XXXX XXXX  - Inquiry Date :  XXXX. 

I advised XXXX  XXXX and Experian that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised XXXX XXXX and Experian that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over ( 30 ) days from the maximum reply period for Equifax to respond to my request for VERIFICATION of a XXXX  item appearing on my credit report. 

Thus far, I have NOT received a response from Equifax regarding this disputed item. Based on the postal tracking information, my letter was originally delivered to Equifax on XX/XX/XXXX. Currently, there is NO record of any dispute in their ( Dispute Status Portal ) regarding this matter, nor was there ever. 

I BELIEVE THAT EXQUIFAX " DISCARDED '' MY DISPUTE REQUEST WITHOUT INVESTIGATION AND CLEARLY DID NOT TAKE REASONABLE ACTION TO RESOLVE MY REQUEST, WHICH IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

PURSUANT TO THE FCRA, EQUIFAX IS NOW REQUIRED TO ( DELETE / REMOVE ) THIA UNVERIFIEDN NEGATIVE ITEM IMMEDIATELY AND PERMANENTLY FROM MY CREDIT REPORT IMMEDIATELY. IT CLEAR THAT EQUIFAX FAILED TO INVESTIGATE AND RESPOND TO THIS REQUEST. 

See Exhibit ( A ) My original request letter to Equifax dated XX/XX/2022 sent via certified mail return receipt requested. 

See Exhibit ( B ) A copy of my most recent credit report from the PUBLIC RECORDS page which displays the XXXX item in question. 

See Exhibit ( C ) Postal tracking information : # XXXX XXXX confirmation page, with the original delivery date of XX/XX/2022. # XXXX Postal " Certified Mail Receipt '' and # XXXX a copy of the " Stamped Return Receipt signature card, dated XX/XX/2022. 

See Exhibit ( D ) a copy of the Equifax " Dispute Status Page '', with ( 2 ) two UNRELATED and resolved disputes that were submitted before I sent my XXXX request to Equifax. No other disputes are in this portal. 

See Exhibit ( E ) a copy of the U.S. Congress, House of Representative letter addressed to Consumer Financial Protection Bureau regarding Equifax FCRA violations, unfair practices and FAILURE to respond to consumer complaints and failure to correct errors on their credit reports.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX  is the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX XXXX XXXX as it pertains to this account with XXXX XXXX XXXX ONLY whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX XXXX XXXX are not maintaining reasonable procedures.
Product: Consumer Loan

I noticed a collection account on my credit from Heritage Acceptance Corporation for a car loan. I immediately went to the credit reporting agencies website and disputed this claim. The credit reporting agencies never received validation and in turn removed this debt from my credit. about a month later on XX/XX/2016 I received correspondence from Heritage Acceptance Corporation. I will put word for word what the letter says. 
This letter is to inform you of certain actions that Heritage Acceptance Corporation has or will take in relation to your account. 
Dispite Heritage 's efforts to collect, this account has a current balance of approximately {$7300.00}. As a result of certain I.R.S regulations and Heritage polices, Heritage is required to file a form XXXX reporting a cancellation of debt. This letter is to inform you that Heritage is filing a XXXX related to the account. Generally, the IRS considers forgiven debt as additional income. You should consult with you tax professional to determine if this will impact your tax liability After receiving this letter I got a call from Heritage acceptance at my work trying to verify employment. I also got another letter from Heritage stating they are going to request that this account be updated back on my credit. 
My question is why am I being bothered after a letter was sent out stating my debt was cancelled? Also, what is Heritage intentions with verifying my employment on " cancelled debt ''? I do n't want to assume but I feel as if this is a bullying tactic and harassment.
Product: Credit card

I am writing to file a complaint against Montgomery Ward regarding their recent, and in my opinion, unethical reduction of my credit limit.

I opened a credit account with Montgomery Ward around XXXX of XXXX. I was approved for a credit limit of $ XXXXSince then, I have consistently made payments, often exceeding the minimum, and have made a few purchases throughout the year. 
To my surprise, I recently discovered that my credit report had been negatively impacted. Upon investigation, I found that Montgomery Ward had reduced my credit limit to an amount below my outstanding balance, resulting in a significant increase in my credit utilization ratio.

I contacted Montgomery Ward customer service and was informed that they lowered my limit due to a lack of activity on my account. This explanation is both illogical and harmful. If my goal is to improve my credit score, it seems counterintuitive to penalize me for not spending more money.

Furthermore, I believe Montgomery Ward 's actions are unfair and deceptive. The company 's terms and conditions are vague and do not provide clear guidelines regarding credit limit changes. This lack of transparency has made it difficult for consumers to understand and anticipate such changes, leading to potential financial harm. 
LR
Product: Mortgage

I made a principal payment of over {$5000.00} to try and payoff my mortgage faster. Loan Care never applied the money to my principal and doesnt know where the money is. It was drafted out of my checking account. Loan Care has no idea of where the money is. 
Additionally, My regular mortgage auto draft payment of over {$3000.00} was also drafted out of my checking account but again was never applied to my monthly mortgage payment. Loan Care has been fraudulently charging me NSF fees in the total amount of {$200.00} even though I have been trying everything I can think of to pay them. Its seems they are purposely not accepting my payments in order to charge me late fees and NSF charges. 
Loan Care has no direct phone numbers to their mangers for me to try and get their help to sort this out. Please help!
Product: Student loan

Subject : Request for Student Loan Removal Due to FERPA Data Breach Violations To Whom It May Concern, I am writing to formally request the removal of student loans from my credit report due to violations of the Family Educational Rights and Privacy Act ( FERPA ) resulting in a data breach. The unauthorized exposure of student loan data constitutes a breach of my privacy rights and places my financial security at risk. As the credit reporting agencies responsible for maintaining accurate and fair consumer credit information, you are obligated to ensure that unlawfully obtained or improperly shared data is not used against consumers.

The violations related to this data breach include but are not limited to : Failure to protect personally identifiable information ( PII ) of students, in violation of FERPA regulations. 
Unauthorized access and dissemination of student loan information without proper consent. 
Negligence in ensuring the security and confidentiality of sensitive student loan records. 
Due to these violations, I demand that any and all student loan accounts associated with my credit file be permanently removed. The breach has compromised the integrity of this data, and continued reporting of these accounts causes undue financial harm. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a prompt investigation and written confirmation of the removal of the affected accounts within 30 days. If you require further documentation or information, please inform me in writing at the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the requested deletions. 
Sincerely, XXXX XXXX