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

I have recently discovered unauthorized accounts on my financial report that I do not recognize. These accounts appear to be fraudulent and are significantly affecting my credit scores. I am concerned about the unauthorized activity and the potential impact on my financial standing.
Product: Debt collection

Someone used my stolen driver license to fraudulently rent a vehicle from XXXX XXXX. Unfortunately, the rental car company employee did not properly verify the identity of the person who did rent the vehicle. That person also paid with a stolen credit card. 

I have already discussed this matter with an investigator from XXXX XXXX and another employee from XXXX. Both have assured me that the matter had been resolved. 

Additionally I have sent debt disputes to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX. 

Despite the conversations and letters, these companies have continued attempts to collect a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize Experian, XXXX, or XXXX to include the following accounts on my report : - 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 The open dates , dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the account listed below 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 stat
es a consumer reporting agency can not furnish a account without my written instructions. 

XXXX ID : XXXX Account Number ( Last 4 ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX, XXXX. 
Charge Off Balance : {$1900.00}
Product: Checking or savings account

I deposited money to my new XXXX XXXX high yield savings account from another bank ( XXXX ) 3 weeks ago. My other XXXX account had been verified prior with confirming micro deposits. 
On XX/XX/22 I tried to log into my online XXXX XXXX  account. And it did not show any accounts open. I called XXXXXXXX XXXX. Turned out the account was under review. And it may take up to 90 days to resolve it. While the account is under review I don't have access to my online Banking and can not move funds. I can not close my account either. I need to transfer money back to my other checking account ASAP. I need to pay rent and other bills!! 
I called XXXX XXXXt many times and spoke to several supervisors, asked to close my account. I was told they could not do anything while my account was under review. 
I need to get an immediate access to my funds and close the account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX Account ( date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I purchased a home in XX/XX/XXXX with Homebridge Financial. Our first payment was due XX/XX/XXXX. 
I have attempted to pay Homebridge Financial a total of six times for XXXX and XXXX. I was able to pay for XXXX after contacting customer service multiple times to have the " red flag '' that was placed removed from our account. While attempting to pay Homebridge in the months of XXXX and XXXX I was assured we would not be charged a late fee because the issue was Homebridge 's fault. I was also assured that it would not be reported to the credit bureaus which was not true. Homebridge Financial did in fact report it. Both my husband and I had almost perfect credit scores prior to this issue and now it is significantly lower. Please see the following timeline of attempted payments : - Bill of {$1300.00} paid through mobile banking app on XX/XX/XXXX. Payment was then refunded XX/XX/XXXX ( # 1 ) - Bill of {$1200.00} then paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge on XX/XX/XXXX ( # 2 ) - Bill of {$1200.00} paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge. ( # 3 ) - Bill of {$2500.00} paid over the phone on XXXX. The customer service representative stated Homebridge had the wrong banking account information, this was updated at this time. Payment was never posted. ( # 4 ) - Contacted customer service on XX/XX/XXXX regarding previous payment, customer service rep stated payment was placed in a " holding account. '' Payment then applied to the remaining balance. Payment was never processed by Homebrige after being removed from " holding account. '' ( # 5 ) - I then paid my outstanding balance of {$2500.00} on XX/XX/XXXX online through XXXX. At that time I had to input the correct banking information ( Homebridge system had this wrong ). Payment was then processed on XX/XX/XXXX. ( # 6 ) The only way my payment was correctly processed by Homebridge was through the online payment system and correct banking information that I had to enter. 
- I paid my XX/XX/XXXX payment on time and through the online payment system. 
I have filed a dispute on all three major credit bureaus to have my credit score fixed. My husband 's and I credit score prior to all of this was almost perfect and we have never been late on any loan payment. XXXX and XXXX both completed my dispute saying Homebridge Financial responded accurately and no changes were made on my credit report. This is Homebridge Financials fault. We attempted to pay them multiple times and their system failed to process our payment due to their customer service error.
Product: Student loan

If i knew my repayment options and that I could even make XXXX payments a month i would have done it.all i got was emails stating if i wanted to use the forbearance option type something and my loan was extended,. I recently made the call myself to find out what was going with my loan and came to found out im 3 times more in debt. i have been so stressed out thinking about how i will pay.i wish i was told about how much loan amount was increasing due to forbearance.
Product: Credit reporting or other personal consumer reports

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

I opened a private loan with XXXX in 2003 through XXXX XXXX XXXX. A few years ago unknown to me, I received a letter from a third party stating my account was in collections. I have been making regular monthly payments to the credit collection agency for the 2 plus years of XXXX per month. On my credit report, I have a charge off from XXXX even though I am still paying the account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the credit card debt associated with XXXX accounts on my credit report. I have carefully reviewed the statements and records related to this account, and I believe there are inaccuracies that warrant further investigation. 
Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt associated with my account. Please provide documentation that proves the legitimacy of this debt, including the original agreement and any subsequent amendments. 
Discrepancies in Reporting : I have observed inconsistencies in the reporting of this debt to the credit bureaus. I request that you review and correct any inaccurate information that may negatively impact my credit score. 
I kindly request a thorough and prompt investigation into these matters. As per my rights under the Fair Credit Reporting Act ( FCRA ), I expect a response within 30 days of receiving this letter. 

Please provide written documentation of the results of your investigation, and if any inaccuracies are identified, I request the immediate correction or removal of the disputed items from my account. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

I received and activated my Apple credit card on XX/XX/2019. I purchased an XXXX  for my son on XX/XX/XXXX. On XX/XX/2019, I went to use the Apple credit card and it didn't work. Upon investigation, I found my account was locked. I called Support and I was informed that they couldn't tell me why and a Goldman Sachs specialist would call me. On XX/XX/2019, I call Support and paid off the balance on the card, as, I wasn't sure if payment would happen with my card locked. In the intervening 10 weeks, I have called support at least 6 times to find out why my account is locked and on each and every occasion, I have been told the same thing, that they can not tell me and a Goldman Sachs specialist would call me. 

As my credit score is over 800, I know the issue is not my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security Ending In XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my ChexSystems report. The following account does not belong to me and appears to be the result of identity theft or a reporting error : * XXXX XXXX XXXX XXXX Account # XXXX I demand an immediate investigation and the removal of this account from my record under my rights granted by 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : * 15 U.S. Code 1681e ( b ) Failure to maintain accurate reporting procedures * 15 U.S. Code 1681s-2 Reporting false information with knowledge of errors * 15 U.S. Code 1681c-2 Blocking information resulting from identity theft Enclosed are supporting documents, including : * A copy of my government-issued ID * My ChexSystems report * A signed fraud affidavit I am also attaching the FTC identity theft report related to this dispute. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct errors within 30 days. Please confirm receipt and provide written confirmation upon resolution. 
Failure to comply may result in legal action. Thank you for your prompt attention to this matter.
Product: Mortgage

To add on to complaint XXXX I have requested a reinstatement amount. They sent it to me. I am unable to open it and I have contacted them every day for the last XXXX days asking for help to resolve that issue. No one will answer me which is often the case.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

Account XXXX : XXXX Account # : XXXX Date XXXX : XX/XX/XXXX Amount : {$5800.00} has violated my right. 

Account XXXX : XXXX Account # : XXXX Date XXXX : XX/XX/XXXX Amount : {$5100.00} has violated my right. 

Account XXXX : XXXX Account # : XXXX Date XXXX : XX/XX/XXXX Amount : {$2300.00} has violated my right. 

Account XXXX : XXXX Account # : XXXX Date XXXX : XX/XX/XXXX Amount : {$1800.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 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. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Free Annual Credit Report and Credit Score Dear Equifax Customer Service, I hope this letter finds you well. I am writing to formally request my free annual credit report, including my credit score, as required by federal and state laws. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive one free credit report from each of the three major credit bureausExperian, XXXX, and Equifaxonce per year. This right is crucial for consumers to monitor their credit reports for accuracy and to safeguard against identity theft. Additionally, according to [ insert your states law, e.g., California Civil Code Section 1785.15 for California residents ], I am also eligible for a free credit report annually. 

To assist you in processing my request, I have provided my personal information below : - Full Name : XXXX XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX I appreciate your prompt attention to this matter and look forward to receiving my credit report and score. If you require any additional information or documentation to process my request, please do not hesitate to contact me at the phone number or email address provided above Sincerely, XXXX XXXX XXXX Enclosures : - Copy of ID - Proof of address I included hard copies of my CA drivers license and utility bill & property tax statement however equifax has refused to send me my credit report & credit score
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : InformatioXXXX Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Money transfer, virtual currency, or money service

With PayPal, I tied to use the credit account that I have with them through their site, of which I was logged into. They declined my transaction using their credit by stating in a later email that they were unable to verify me, but had no issue in using another payment source without this verification. Which states to me that I am not carefully verified when signing into there site with my personal banking account attached, and need additional verification. The site didn't request any additional information for verification, just flatly declined my transaction and therefore would not allow me to use my credit account allow approved. This is a very deceptive practice, feeling like a bait and switch, as this credit usage would have allowed better financing terms and conditions of no interest for 6 months. Very upset with this.