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

I sent a formal letter stating how they were including the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws, specifically, Section 607 of the Fair Credit Reporting Act, Compliance procedures [ 15 U.S.C. 1681e ], ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. I respectfully asked the following accounts be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

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

Multiple unauthorized hard inquiries on my credit report within a couple months time. 

XXXX : - XXXX XXXX XXXX XX/XX/23 - XXXX XXXX XXXX  XX/XX/23 - Capital One Auto XX/XX/23 XXXX : - XXXX - XXXX XXXX XX/XX/23 - XXXX XXXX XX/XX/23 - Capital One XX/XX/23 - XXXX XXXX XXXXXXXX XX/XX/23 XXXX XXXX Bank XXXX XXXX XX/XX/23 XXXX XXXX XXXX is listed as XXXX XXXX, which is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for credit and was denied based on the information provided by XXXX and TransUnion to the company I was interested in attaining a credit from. It was reported the following : Derogatory public record or collection filed Ratio of balance to limit on bank revolving or other rev accounts too high Length of time accounts have been established Time since delinquency is too recent or unknown Our credit decision was based in whole or in part on information obtained in a report from one or more of the consumer reporting agencies listed below. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion Dispute Request XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXXXXXX http : //www.transunion.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX We also obtained your credit score from the consumer reporting agency and used it in making our credit decision.

I DO NOT have a delinquency or a derogatory public record. These credit reporting companies have violated my right to obtain credit and provided inaccurate information on my behalf.

I request this to be corrected, in addition to monetary compensation for lost time and lost financial opportunities. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

So I have a XXXX  Venmo account that has a balance of XXXX in there of my hard earned money I went to make a purchase declined so I called and asked them what was going on they said the froze my account due to breaking the user agreement I then asked them how I broke it and got no answer I also asked why the froze the account without XXXX sort of notices so the steps I've also taken is sending them a demand letter of release of funds that I know they got and I can send over that info if need filing a complaint with you guys as well as the XXXX  this has caused late payment as well as XXXX point to my credit score because they are holding my money and will not respond to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Charge account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am US bank customer for more than XXXX  years. My check to the XXXX XXXX XXXX for property tax was stolen when I mailed it and dropped it off at the front of the post office in XXXX XXXX XXXX, California in XX/XX/XXXX. check for {$5700.00} was withdrawn from my checking account I received a delinquency letter from XXXX XXXX  XXXX in XX/XX/XXXX when I found my check was stolen. I informed US bank and went to the branch and filed the complaint on XX/XX/XXXX. I received a letter through cfpb on XX/XX/XXXX that the documents were not sufficient. I went to the bank again on XX/XX/XXXX and resubmitted the documents. Please kindly follow up when I can reimbursed my money. Appreciated. 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$2.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from may credit repair as soon an possible thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, Dispute this Address XXXXXX/XX/XXXX XX/XX/XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX XXXX of inquiry XX/XX/XXXX XXXX DEPARTMENT OF EDU Dispute this XXXX XXXX OLD XXXX XXXX XXXX XXXX, NY XXXX XXXX of XXXX XX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX of inquiry XX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XX/XX/XXXX, GA XXXX Date of inquiry XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXXXX/XX/PAYPAL Dispute this Address XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/ Dispute this Address XX/XX/ERVILLE-TIMONIUMXXXX MD XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PAR

TY. THE CREDIT BUREAUS STATED M Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A
CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

In XXXX I received a solicitation for a HSBC Cash Rewards credit card. I fulfilled the {$500.00} spend requirement in the first statement cycle and as of today the advertised {$150.00} bonus was not credited to my account. However I have noticed in points category the increase of the points pointing to the some type of credit being given. I attempted to contact the HSBC twice about this each time holding in excess of 30 and 24 minutes respectively however I wasn't able to get anyone on the line. My husband complained to the company 's executive office ( he's a journalist ) however beside a form letter promising to look at the issue ( ASAP ) nothing has been resolved and done.

The letter sent to me specifies {$150.00} welcome bonus in cash back and not points that I can not use. I appreciate the bank to issue the {$150.00} credit to my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX/XXXX  XXXX is reporting different payment history which FCRA requires all information to be reported must be 100 % accurate. Due to these inconsistencies I demand that this item be removed from my report.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XX/XX/2022
Product: Prepaid card

Hi, I was unfortunately a victim of fraud through REloadit packs. This is not REloadit 's fault, but when I realized that I was being defrauded I called them right away. I had to speak to many different customer service reps until someone understood what I was talking about. When they looked up my REloadit packs, they said they were added to two different REloadit Safes which still had funds on them. I was told that the REloadit Safes were frozen, but that I would not be able to get my money back since I had been the one who " authorized someone else to use my packs. '' I think if the money is there, the fraudster 's account was frozen, and I am providing proof that I purchased the packs, I should be able to receive my money back.
Product: Credit card

On XX/XX/2023 I received an email saying I applied for a Chase Sapphire Preferred credit card, which I did not apply for. The email does not appear to be a phishing email. I contacted Chase since this has also happened to a member of my household twice in the past 3 months and they could not provide much details just that someone maybe stole my identity. However, I dont believe its a coincidence that this is only happening with CHASE BANK . They agreed to close out the application and contact all credit bureaus to have the inquiries removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this inquiries several times, they are fraudulent and weren't authorized by me and I want them removed. Below is a list of inquiries 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 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 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 or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Product: Consumer Loan

I purchased a vehicle in XXXX XXXX with GM Financial ( Ally subsidiary ) and was charged an exorbitant interest rate! I just learned about a DOJ settlement requiring Ally to reimburse minority customers who were charged unfair rates for purchases from XXXX XXXX - XXXX, and I fall under this category. However, I was NEVER notified of this DOJ lawsuit/settlement agreement & am now being told " too bad - you missed the deadline! ". Ally is NOT notifying all affected consumers & I believe it 's to reduce their payout loss ratio!
Product: Checking or savings account

My phone and purse with my ID and social security card was stolen I had just received my income taxes and they sent it through credit karma all my account info was in my phone when this happened on the XXXX of XXXX I immediately called credit karma and told them my phone and purse wallet was stolen to close the account I then asked them the last transaction and at that time there had been no unauthorized transactions made yet all my money was still there {$6800.00} about so that was good news and made me feel a little better knowing they didnt spend my money because that was all the money I had to get a place for me and my son because we just lost our house that day anyways the next day I was able to get into my phone log to see who they were calling and I saw this XXXX  number on there multiple times like 10 calls made back and forth so I called it and it was the fraud department to credit karma I then found out they let them back into my account and was calling my phone which they acted like me and authorized all the transactions they were making I tell the fraud department what was going on that they should of never authorized any transactions because I told credit karma to close the account and send me a check well the people who stolen my phone changed my whole account to there phone number there email so credit karma would not let me access my account without verifying who I was so I sent them a picture of my ID I had on my computer and my social security card with a picture of myself holding the time and date with my social security number but that wasnt good enough I had to send the back of my ID which was stolen with everything else and I was waiting for my new ID in the mail which was going to take 7 to 14 business days but they wouldnt let me access my own account until then so that whole time Im telling them to close the account send me a check this was all the money I have for a place to live now me and my son are on the streets they were still letting these thieves spend all my money credit karma even hung up on me a couple times cuz I was going back and forth with them crying wondering why there doing this to me the minute I called and told them to close the account that all my stuff have been stolen to just send a check why would they let these thieves back in my account it does not make sense there phone calls are all recorded and every store or atm or however they pulled money off my account should have cameras and its obviously not me I made a police report and everything and credit karma still denied my disputes when I have waited way over however days they said it took to get my money back and the whole time me and my son are XXXX have no where to go no money for food because credit karma let someone else spend my money this is not right
Product: Mortgage

The XXXX XXXX XXXX paid all interest & principal fees from XX/XX/XXXX until XX/XX/XXXX = {$34000.00}. No other lender according many HUD counselors say additional reinstatement fees of any amount are demanded except my servicer XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Re : Notices of Error/ Information Requests I believe this is unlawful and I asked my lender to waive the unaffordable {$610.00} fee thats not related to the mortgage principal or monthly interest ( which was already accounted for in payment {$34000.00}. 

They refused & told me to document the expenditures however the XXXX XXXXXXXX XXXX told me today they can not recreate the billing itemizations & they have no accounting department! 

This XXXX bill is very FISHY because they are demanding more in unpaid fees and charges= {$510.00} PLUS {$95.00} in NEW FEES and charges since last statement which would be XXXX. THAT was already accounted for!!! I called my lender in XXXX. They said my first billing is XX/XX/XXXX. 
SO THEN WHY are there any late fees? 

Please resolve this financial burden of {$610.00} that I can not pay and had no advance notice on this fraudulent charge! 

I need these fees to be waived and there are not even CLEAR on the amount they are demanding. My phone agent at Loss Mitigation today XX/XX/XXXX hung up or was disconnected & she said she would investigate but never called me back as I have been waiting!!!
Product: Debt collection

in the year XX/XX/XXXX  my son passed away i tried cancelling the account but i was told i couldnt cancel because there was a contract, i told them i didnt need that phone line they said i needed to complete my contract. I returned the phone but apparently i didnt get credit for it. Then i get this great amount of XXXX  years later. I think im not responsible for the bill its been 17 years it should be off the credit bureau. Thank you XXXX XXXX