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

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Dispute of Hard Inquiry To Whom It May Concern, I am writing to dispute a hard inquiry listed on my credit report. The inquiry in question was made by XXXX on XX/XX/XXXX. I believe this inquiry is inaccurate for the following reason ( XXXX ) : I did not apply for credit. I did not authorize the inquiry. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this inquiry and remove it from my credit report if it is found to be inaccurate or unauthorized. Please send me written confirmation of your findings and any updates made to my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 to be updated.

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.

EQUIFAX EXPERIAN TRANSUNION 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: Other financial service

Company claiming to get my student loans reduced through presidential grants. From {$57.00} to only {$6.00} over 248 months. They collect a fee of {$600.00} for their service included in the 248 months payment. They ask for no money up front, but asked for my debit card #, mine and my husbands SS # 's, and DL # 'S. I have continued to contact them for more information and never seem to get a hold of XXXX XXXX ( XXXX ). 
As XXXX XXXX suggested, I contacted XXXX, whom my loans are through, to have loans put on hold. This is because the total amount of {$57.00} was to be paid off in XX/XX/XXXX. XXXX informed me that there is no such thing and expressed to file a fraud claim.
Product: Checking or savings account

Back in XXXX of this year there multiple transactions on my account from the company cash app that were unauthorized. These transactions were not done by me but by someone who created a cash app and put my debit card information on their account and withdrew thousands of dollars from my account. I filed a dispute with my bank as soon as I noticed these transactions. A couple days later I was told by the bank to come open a new account because they felt my account had been compromised. I went in and opened a new account the same day. A couple days after that I was told my dispute was denied without reason. I asked that my dispute be escalated and a reason be provided as to why my dispute was denied. After this escalation they new account they told me to come open was closed in addition to my old account. When I called to ask why this happened I was told that I couldnt be given any information and that the escalation of my dispute was also denied again. When I asked why I was simply told that due to a pattern of how the money was being taken out my account is why is was denied. That makes no sense, if someone was stealing money from my account and it can clearly be seen its not me or from my personal cash app account how does the pattern they took the money cause my claim to be denied and my money not refunded. I feel as though US bank is blaming me and nicely trying to insinuate that I had something to do with my money being stolen. I had not used cash app in months due to my account being closed and never saw these transactions occurring, I was never sent any type of alert or anything, I reported this as soon as I found out. They refuse to give me any other reason or explanation than that of why my claim is denied. They refuse to explain why they had me open a new account and told me my funds would be transferred over just to actually close both accounts. They refuse to give me any documentation as to the investigation or how they came to the conclusion to blame me for my own money being stolen and they are refusing to refund my money. And now after 3 months of trying to figure this out they are refusing to talk to me because I dont have an account with them. Which is because they close them all. IS bank is committing fraud against me worse than the criminals who stole from my account.
Product: Debt collection

I paid a debt with XXXX XXXX in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to XXXX XXXX and their attorney, Fein, Such, Khan, & Shepard and they refuse to review the documents and release the money they have illegally taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the persistent failure to remove fraudulent items from my credit report. Despite numerous requests and the submission of supporting documentation, these fraudulent items remain on my report, severely impacting my creditworthiness. I believe this situation violates the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of the credit reporting system. If you are unable to verify the validity of these items, I demand their immediate removal. Additionally, I request a detailed explanation of the procedures used to determine the accuracy and completeness of the information in question. These are the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX  XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, AZ XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$2000.00} to a girl in XXXX and when I looked up the MTCN # it said the money was received so I texted the girl and she said she did not pick it up so I asked XXXX XXXX what city was the money picked up in and they told me and its XXXX Km from where she lives and she is a school teacher and works very long hours so the only time she would be able to get the money is on weekends. 

So I want a refund.
Product: Money transfer, virtual currency, or money service

I was using Zelle sending money to someone. I accidentally selected the incorrect person. Once I immediately contacted the bank they advised me it was nothing they could do. My money was sent to the wrong person
Product: Credit reporting or other personal consumer reports

I am having XXXX issues that I would like corrected. 

1. Payment History for the XXXX XXXX account has not been updated since XXXX. The company/creditor has submitted payment history both on XX/XX/XXXX and XX/XX/XXXX. I have attached the screenshots of the company email for confirmation of payment history update. Can we PLEASE update the payment history to reflect current date. 

XXXX. I have paid off the installment loan for XXXX XXXX strong . I have attached documentation from the company for you to verify. Can we please update the account to reflect paid in full.
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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I told the Experian, XXXX, and XXXX to reinvestigate these account.

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hereby assert that XXXX, XXXX, TransUnion and the creditors associated with the accounts listed in the attached letter have engaged in actions that have resulted in the misuse of my personal identity. Under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ) I formally demand an immediate and thorough investigation into these matters. 
Furthermore, I request the removal and permanent blocking of all fraudulent and inaccurate information from my credit files. These actions are necessary to restore the integrity of my credit profile and to ensure compliance with the FCRAs protections for individuals affected by identity theft or inaccurate reporting. 
I believe I am a victim of identity theft and am seeking to file a police report, as requested by the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ). My personal information has been compromised in multiple data breaches, which I believe has resulted in unauthorized activity on my credit report. The negative accounts in question, which I have listed below, appear to be fraudulent and do not correspond to any contractual agreement or transactions I have authorized. These actions constitute violations of my rights under federal and state law, including : The specific negative items that I am disputing include : XXXX XXXX  XXXX  ACCOUNT # XXXX BALANCE {$11000.00} XXXX  XXXX ACCOUNT # XXXX BALANCE {$510.00} XXXX  XXXX INQUIRY-DATE OF INQUIRY XXXX/XXXX/2203 XXXX XXXX XXXX BALANCE XXXX XXXX XXXX, XXXX XXXX BALANCE {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX BALANCE XXXX XXXX  XXXX BLANCE {$1600.00} XXXX XXXX BALANCE {$1100.00} XXXX  XXXX BALANCE {$4500.00} XXXX  XXXX BALANCE {$7900.00} XXXX  XXXX BALANCE {$5200.00} XXXX  XXXX BALANCE {$9800.00} XXXX  XXXX BALANCE {$5600.00} XXXX  XXXX BALANCE {$2700.00} XXXX XXXX BALANCE {$480.00} XXXX XXXX BALANCE {$4000.00} XXXX  XXXX BALANCE {$9900.00} XXXX  XXXX BALANCE {$5000.00} XXXX  XXXX BALANCE {$7500.00} XXXX  XXXX BALANCE {$4200.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

18 U.S.C. 894 ( Extortionate Credit Transactions ) Uniform Commercial Code ( UCC ) 3-401, which establishes that a signature is required to validate liability on any instrument. 
I respectfully request that this report be filed and documented so I can pursue corrective action with the credit bureaus and other relevant authorities to restore my credit and protect my identity. Please let me know if additional information is needed to complete this process.
Product: Credit reporting or other personal consumer reports

Company stated that there system deleted my guest approved auto loan application that was approved by XXXX XXXX. On the day that I went to pick up my vehicle and sign my contract. I was told that XXXX system auto loan system had somehow auto deleted my loan so they ran my credit multiple times without my consent. I contacted the loan company and had their manager write me an email acknowledging this situation. The credit reporting agency also acknowledged this mistake. I need those XXXX hard credo pulls within XXXX hours deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX ending in # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I am writing to dispute the claim made by JEFFCAPSYS asserting that I owe them a debt. To date, no proof of this alleged debt has been provided despite multiple requests. Furthermore, there was no initial debt with the original creditor. I request thorough verification and documentation of the debt in question. I expect all collection activities to cease until proper validation is provided. Your prompt attention to this matter is appreciated. ''
Product: Mortgage

I have been trying to work with my mortgage company Citi mortgage for sometime now. I have seen all the documents into them when they have requested. I have let them know that my parents have moved into my home and are paying the cable, electric, gas, grocery bill and even providing me with {$150.00} a month toward my XXXX mortgage that is up to day. I have sent all the require documents. Citi have told me from time to time that they have n't receive any documents at all and if they have they were missing pages. I have contacted Citi and informed them that everything was sent. Citi has told me that they have n't received some of the docs that were requested. I have expressed to Citi that I want to keep my home and want to work with them. I have always sent all docs in with a letter that my parents are paying for bills in my home. Citi has told me that they need addition information. I have contact them by email and phone that everything was sent. As of last week Citi sent me an email about my over time at work and they need addition information about over time. I told Citi that my over time was not much and we are n't having over time anymore and do n't included that into my mod. Citi said that we need to have a letter sent on company letterhead about my overtime. I told Citi that I am trying to work with them and that my company is n't offering overtime anymore. Citi sent me a message back saying that we need a letter saying about overtime. I told Citi please do n't take overtime into the mod. I have worked in the mortgage dept before and I know if a customer says do n't included over time into a mod due to it may not be offered to exclude it. Citi stated that they need to have a letter sent to them stating about overtime or my mod will be turned down. I told Citi that I have been trying to work with them for sometime now and cant seem to get any results. I told Citi that they can see in my check statements that my over time is n't much at all. I told Citi that my home is underwater and I want to keep my house and to work with me. I let them know that I went through a divorce and took a pay cut with my company but I am working full time and my parents are helping me with my bills and they live with me full time. I let Citi know that I have always sent in all the documents that are requested and cant seem to get anywhere with them. On this pass Tuesday XXXX/XXXX/2015 I told them that over time is not being offered anymore at my company. Citi sent me an email letting me know that my mod would be turned down. I told them that you have never requested this from me before and why is it being requested now. I told Citi that I was being treated unfair and I feel like they do n't want to work with me at all. And I have been trying to have this taken care of for along time now. I told Citi that I am doing everything I can to keep my home for my family and want to work with them. I feel like they are n't helping me out at all and they are treating me unfair and to please assist. I told Citi that I was going to be contacting your office. I just want to keep my home and do a mod with Citi mortgage. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten 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 consmer 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX New Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.