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

Subject : Incorrect Name Spelling and False Information on Credit Report Reference : XXXX Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding my credit report. Upon reviewing my credit report, I have discovered that my name is misspelled. My correct name is XXXX XXXX, but it is listed as XXXX XXXX on my credit report. This error is causing significant trouble for me, as it has resulted in difficulties in using my credit and has the potential to harm my credit reputation. 

I must emphasize that it is highly irresponsible and concerning to have such an error on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained by credit bureaus to ensure the fair evaluation of an individual 's creditworthiness. 

Furthermore, I recently contacted someone at the US Bankruptcy XXXX XXXX XXXX XXXX XXXX to inquire about a bankruptcy report appearing on my credit report. During the conversation, I was informed that the US Bankruptcy Court does not report bankruptcies to consumer reports as that information is considered private and should not be included in credit reports. 

Considering this, I kindly request that you promptly investigate, correct the errors, and remove the false and non-public personal information from my credit report within four business days from the receipt of this letter. Additionally, I kindly ask you to provide me with the following information : 1. Please provide the name and contact details of the person within the US Bankruptcy Court XXXX XXXX XXXX XXXX whom you spoke with and who provided you with my non-public personal information. 

Please be advised that failure to address and rectify the aforementioned errors, remove the false information, and provide the requested information within the specified time frame may result in legal action being taken against your organization. Pursuant to the FCRA, I may seek damages of {$1000.00} per violation for the dissemination of false information, violation of consumer rights, and unauthorized access to non-public personal information.

I expect immediate attention and resolution of this matter. Therefore, I kindly request that you promptly investigate, correct the errors, and remove the false and non-public personal information from my credit report within four business days from the receipt of this letter. Failure to address and rectify the aforementioned errors and remove the false information within the specified time frame may result in legal action being taken against your organization. Pursuant to the FCRA, I may seek damages of {$1000.00} per violation for the dissemination of false information, violation of consumer rights, and unauthorized access to non-public personal information. Please send written confirmation of the actions taken to correct these errors, remove the false and non-public personal information from my credit report, and provide the requested information.
Product: Credit card

I recently cancelled my credit card requesting a replacement due to the card being lost. I also requested a new electronic card number. I was told and completely expected, it was my responsibility to update companies with the new card information. Apple took it upon themselves to send my new card information to at least one company without my consent resulting in an unauthorized payment. I immediately contacted Apple to prevent the processing of the transaction of which they refused saying I needed to reach out to the organization. It is my belief they had not right to pass on my new credit card information to anyone. I view that as a violation of my privacy. At a minimum they should have requested my permission to supply this organization or any company with my credit card number. I have never experienced this before with any credit card company.
Product: Debt collection

Condo was returned to XXXX in Chapter XXXX BK discharged XXXX XXXX, 2013. Fay Servicing bought a pachage of properties from XXXX has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of unrecognized collections and debt from my credit report from companies : XXXX XXXX XXXX XXXX, and XXXX XXXX. My personal information has been compromised multiple times since XXXX, resulting in unauthorized accounts and debts being reported under my name. Below, I outline the specific breaches and the compromised information : Found on Website XXXX 

XXXX XXXX XXXX ( XXXX ) : A data breach exposed approximately XXXX XXXX records, including my email address and phone number. XXXX XXXX XXXX XXXX ( XXXX ) : Over XXXX XXXX users ' email addresses and hashed passwords, including mine, were exposed. XXXX XXXX XXXX XXXX ( XXXX ) : Email addresses, names, and hashed passwords of approximately XXXX XXXX individuals were compromised, including mine. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Sensitive information, including email addresses and personal identifiers, was breached. XXXX XXXX XXXX ( XXXX ) : A breach affected over XXXX XXXX users, exposing personal information such as email addresses and names. XXXX XXXX XXXX ( XXXX ) : Data breach compromised email addresses and other personal information. XXXX XXXX XXXX ( XXXX ) : A data breach exposed over XXXX XXXX email addresses and phone numbers, including mine. XXXX XXXX XXXX ( XXXX ) : A breach compromised email addresses, names, phone numbers, and more. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Data breach exposed customer email addresses and personal information. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this letters were sent most importantly due to the erroneous reporting to the 3 credits bureaus and put the highly negative impact on my personal credit report. 
1 ) XX/XX/2019 XXXX XXXX XXXX {$720.00} 2 ) XXXX XXXX XXXX {$710.00} 3 ) XXXX  XXXX  {$750.00} 4 ) XXXX  XXXX   XXXX {$1600.00}
Product: Mortgage

i never received a single statement from this company since i opened the loan. i just set up autopay through my bank and the payments went out every month at the same time. I tried to register online to view my account, but was not able to no matter what i did. Customer service tried helping me but the most they could do was try to escalate the matter, repeatedly, but no one ever got back to me. 

In the meantime, they sent an audit of the payments over a period of the past six months and it showed an inordinate amount of fees being assessed multiple time per month, which another customer service person could not explain to me either. 

This company is predatory in the extreme and I would like some help reaching a resolution to remove all these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing all inquiries that were made in between XX/XX/XXXX to XX/XX/XXXX very strange inquiries were made and I got robbed of my stimulus impact payments disbursement of XXXX by unauthorized use of my identity in XXXX XXXX I am a victim of the Equifax data breach of recent and the XXXX XXXX data breach as well. My student loans amounts are exposed and my car financing information is exposed to where I have gotten a plethora of solicitation and pre-approval traffic in my mail phone email unwarranted and notified of accounts in three different states saying that someone is opening accounts in my name fraudulently that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute some items with Equifax that I believe to be inaccurate but I received my request back which makes no sense. I have attached all the information I sent as well as proof of what they did. This to me is a way to avoid investigating my request.
Product: Credit card

For the month of XX/XX/XXXX, my Capital One credit card was due on XX/XX/XXXX. My statement balance was {$280.00}, however, I had a higher balance from recent transactions. I paid {$500.00} from my XXXX on XX/XX/XXXX and it came out of my checking account on XX/XX/XXXX ( see attachment ). Since I paid my entire statement balance, I now have no payment due until XX/XX/XXXX. I am enrolled in text alerts from Capital One for purcahses, payments, etc. At XXXX on XX/XX/XXXX, I received a text saying, " Capital One Alert : Your payment of {$280.00} is scheduled for XX/XX/XXXX. Contact us if your payment details are incorrect. '' I was sleeping at this time, so I know I did not schedule this payment nor did not contact Capital One until XXXX the same day. I was told that yes, a payment had been scheduled via a Mobile device and could not be canceled. I reviewed my payment history and at least since XX/XX/XXXX, I have used XXXX to make my payments to Capital One, but this time, it was scheduled from my husbands XXXX account. Back to school time and a XXXX, my husbands bank account had a very low balance that was not able to cover this {$280.00} payment. My husband called his bank and they said that nothing is pending or posted as of yet and to keep an eye on it. As soon as he sees something come through, he will need to contact the bank so they can flag it and cancel the transaction.
Product: Credit card or prepaid card

Again, same problems with Bank of America, problem not fixed. Another fraudulent door dash charge. 
I have a POA for my father. 
Took BOA 6 weeks to process POA. 
When my father and I called in, we were told " Why did it take you so long to report this fraud? '' Customer service also refused to issue a new card with new number " due to the POA. '' This was the same POA that they had previously refused to acknowledge. 
Fraudulent charge was only removed after 2 complaints to cfpb. 
Now it's started again. Submitted request to remove fraud charge from card. 
Got letter requesting further documentation. 
BoA has all the documentation. It's in all the complaints to cfpb. 
BoA is very well aware of the fraud and all documentation. 
This issue needs to be dealt with ; fraudulent charge needs to be removed.
Product: Debt collection

Different companys with different names with the same amount owed this hes been going on for years on my credit report I reported I dont owe this dept back on my credit report different company name same amount owed.
Product: Debt collection

I am writing to request that LVNV Funding remove the negative credit reporting pertaining to a debt they claim I owe in the amount of {$890.00} from all of my credit reports. Despite numerous attempts to contact LVNV Funding by phone and written letters, they have failed to provide the required documentation to substantiate this debt. 

According to the New York City Credit Reporting Law, debt collectors are required to provide consumers with written substantiation of any debt they claim is owed within five days of initial contact. LVNV Funding has repeatedly informed the credit bureaus that this debt is valid without providing any of the required documentation. As a result, I have not received any copies of the debt substantiation that I have requested.

Given the failure of LVNV Funding to provide proper documentation, I am requesting that they remove all negative credit reporting pertaining to this debt in the amount of {$890.00} from my credit reports. Furthermore, I request that LVNV Funding not sell this debt to another debt collector without first indicating that this debt has been disputed. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I provided a determination from an authorized entity that I'm a victim of severe form of trafficking. Lastly, a signed statement from me self-attesting that I'm a victim of a severe form of trafficking. My statement was signed by me and an authorized XXXX or other authorized entity. Experian assigned XXXX phone number XXXX to my case. I sent my documents first on XX/XX/2024 I asked that they only respond via my email XXXX I didn't hear anything back until the middle of XX/XX/2024. I kept calling trying to reach the agent assigned to me leaving voice messages, and so calling everyone in Experian leaving messages, because I didn't really have anywhere to live. I still don't. after speaking to XXXX she told me she wasn't willing to accept the organization that did my determination nor the attorney and told me to go to the XXXX XXXX XXXX XXXX XXXX XXXX. I believe this is ( WILLFUL NONCOMPLIANCE )
Product: Checking or savings account

On XX/XX/1921 I had a charge to my acc for XXXX I called td bank to dispute the charge on my debit card ... I received a provisional credit which was later reversed ... I called them back to request what documentation they had to make their decision which never came ... I called them twice and both times I havnt received any info from them ... XXXX XXXX XXXX I spoke w/superviser who wouldn't give me his complete name only ( XXXXXXXX ) who said I could go to a td branch to obtain the info.. but at the bank, they said to call this #. 

I had originallydone a survey on line, + was offered a free gift but told to give name address + card info for only shipping fees. I received a set of ear buds which quality was very poor. I later was billed {$100.00} so I called the ph # listed on my bill.. the girl said that there was a free trial per and if not returned, I was billed.. she readjusted the charge to {$20.00} + shipping and I told her not to send anything else as I saw 3 shipping fees ... she explained their wasn't anything else coming from her Co. I kept getting charged w/various amounts which I tried disputing, but kept getting reversal on my credits ... it has cost me XXXX + I have no idea what the supposed items were. I tried calling the ph # 's they had Givin to me, but all of them were disconnected # 's and I had no recource to contact anyone. I canceled my card + received a new number, but still was charged. The name of co was ( XXXX  XXXX XXXXXXXX ) I have no idea what it was supposed to be and asked for documentation of there findings to find that there was no fraud w/their decision.. but after 2 times they told me they sent out.. I never received anything.
Product: Credit reporting or other personal consumer reports

This is Friday, XX/XX/year>, and Equifax said that the problem was fixed, but it's not. my.equifax.com is still not displaying my credit report. Please see the attached document which shows a picture of the my.equifax.com error screen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters with proof of my identity. I have filed a CFPB complaint and I have made several calls to Equifax in regards to not being able to access my reports. I called Equifax today because it has been several months and I am still not able to access my account online and no creditors are able to run my report. I was told in the company response that there is no alerts on my file however I am still not able to access my account at all. I have been unable to obtain a vehicle due to this and I am not able to access my file. This situation is causing me a hardship as I am not able to complete consumer credit transactions. I can't afford to wait another XXXX days. I need access to my file.
Product: Debt collection

By law, " the Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. '' This is very old debit, 20 years. This company, Synergetic Communication , Inc., forces to make the debtor makes a payment after defaulting on the debit. As per the company states, " ... for you to be sued on it in court ... '' They can sue for the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am preparing to meet with a real estate person to consider purchasing a trailer. While updating my credit report with transunion i received a notification or an offer to purchase my score which isnt included with the report. i was given to understand that this stuff is free. Can transunion or the others legally charge you for this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached FTC Report, and Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is no longer open no business with company.
Product: Credit card or prepaid card

I was told the {$77.00} interest charge for XX/XX/2018 would be credited back to me and I am getting the run a round. First, JCP.com charged me for 2 couches I did not get. Then it took them over 2 and 1/2 months to correct. The entire time, these charges were on my credit card. I was offered interest charge rebates for this and I accepted and then they refuse to live up to this promise.
Product: Credit reporting or other personal consumer reports

I've been trying to sign into Equifax to remove a freeze I left on my account and I have been unable to login to the site or thXXXX XXXX XXXX XXXX XXXX. Both help numbers I've been given haven't been able to be reached. I just want to remove this freeze and move on with things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was supplied with a credit report from TransUnion. The credit score looked very questionable in the mid to high 600 's. The problem is I pay many of my bills in person or certified mail with a traceable money order. When I attempt to apply for credit card refinance, I am receiving offers that are basically loan sharking 32 %. Because of having to pay more in rent, utility bills and rising interest rates, It is prudent to restructure debt into a personal loan. I have been blocked or faced barriers.

I filed a complaint with the attorney General of Pennsylvania and his response is various credit scoring systems. I have also asked the Attorney General of Washington State over the course of 15 years the Physical address of the local credit bureau only to not be given any direct answers.

I have filed court complaints and arbitration complaints over the course of 15 years showing they have used bogus addresses, names, missing information and have not gotten anywhere with this as well. 


I am asking that the local credit bureau in XXXX XXXX County and XXXX County not be allowed to have access to my information or credit reports anymore because of failures over the past 15 years to answer complaints. I have Notarized and Apostille most of my Public Records and they have refused to acknowledge this. 

I tried to mail court documents to the following address : XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Pa., XXXX requesting Transunion be monitored. Certified return receipt XXXX The postal service has tried to return the court documents by placing a white label on the address to be sent to and placed a letter in my mailbox stating nobody will sign for the document. The postal service appears to be aiding and supporting criminal activity by obstructing Justice. 

TransUnion along with the other credit bureaus are being charged with Civil and Human Rights abuses and should not handle anymore records based on it's discrimatory past and present actions.
Product: Vehicle loan or lease

I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.