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

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I received and reviewed my credit reports from Transunion, XXXX, XXXX  and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted Transunion, XXXX  and XXXX  and asked for verification on where this information came from. The results were, XXXX  told me they verified these records through a third party company, Transunion gave a vague response that it was verified as accurate but did not say from whom. XXXX  said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

According to a certified mail receipt, the credit bureaus received my dispute regarding all accounts relating to XXXX  XXXX on XXXX XXXX, 2024. I sent an affidavit to XXXX XXXX explaining the inaccuracies listed on my credit report as well as duplicate accounts. These concerns raised questions around the reliability and validity of the information reported by this company, so I requested validation of all debts associated with XXXX  XXXX. These debts included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( duplicate account ) On XXXX XXXX, 2024, I noticed XXXX XXXX XXXX credit card accounts removed from my credit. On XXXX XXXX, 2024, I received an email directly from the company stating they received my dispute regarding the XXXX  loan. No mention of the XXXX  XXXX credit cards listed in the dispute. My XXXX  dispute center does not show a dispute reported for the credit cards which were removed and my Equifax results returned stating disputed items not currently reporting on your file. '' However, they were REMOVED from my credit file. In addition to that, the XXXX XXXX XXXX collection was the duplicate I was referencing which is still on my account. Then a collection under the furnisher XXXX XXXX was then added to my account once these credit cards were removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of these account due to inconsistency in account information amongst the reports. Which was not validated, resulting in the removal and further confirmation that the furnisher understood the FCRA violation. Also, under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S. Code 1681s2 ) both the bureaus and the creditors have an obligation to report disputes accurately. That was not done in this case resulting in another violation of FCRA and showing the companies lack of due diligence in credit reporting.
Product: Credit card or prepaid card

I received an offer for a XXXX XXXX XXXX membership from Discover on XX/XX/2020. It stated that I would receive a {$45.00} cash back bonus on the purchase of a new membership and that it needed to be used before XX/XX/2020. I activated the offer and purchased the membership on XX/XX/2020 ( double checking that the offer was activated before purchasing ). I have the receipt for the purchase as well as the offer email. 

The bonus cashback never showed up on my account I contacted support on XX/XX/XXXX asking about the missing cashback, I received a response to wait until my XXXX billing cycle ended. I waited until my XXXX billing cycle ended to contact them about the matter further. 

I received canned responses, along with a generic " Upon further review on this promotion I can see that the rewards for this promotion has already been applied to all applicable accounts. '' An then " This means that the purchase did not meet one or more of requirements to earn the {$45.00} credit. While I am not able to see what requirement was unfulfilled .... '' I see no reason as to why I was " disqualified '' for the offer. I never held any membership with XXXX 'XXXX XXXX I activated the offer from the email, I used my Discover card, and I did not combine it with any other offer. 

The only reason why I signed up for a XXXX XXXX XXXX membership was because the sign-up bonus made the membership free. To date, I haven't even used the membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt to notify you that I am a victim of identity theft and I send a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items is DELETED from other bureaus, and I have doubts about the Bureaus ' accuracy, and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) the following unknown items must be blocked : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXXXXXXXXX Balance {$540.00} XXXX XXXX  XXXXXXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX Balance-
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the lates I need the late remarks removed
Product: Credit reporting or other personal consumer reports

I recently contacted transunion in reference to identity theft. Transunion is still reporting fraudulent addresses and inquires on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion, XXXX, XXXX  and was put on hold multiple times before they hung also stating they could not provide agent number after i informed them i was recording the conversation as well. After stating consumer rights and 15 USC 1592, 18 UCS 8, 15 USC 1681ae, have been violated no doors were knocked on to verify.
Product: Credit card

This is a complaint against unfair account practices with my PayPal credit account. My account is in good standing and my line of credit was decreased dramatically without my knowledge. My PayPal Credit/Synchrony Bank account limit was {$800.00}. I made a payment on XX/XX/XXXX in the amount of {$770.00} to pay off my balance. I logged in today XX/XX/XXXX and saw that my credit limit was dramatically decreased to {$100.00} without my consent. I spoke to a customer agent agent today XX/XX/XXXX and she informed me that an email will be sent XXXX hrs from the time it was decreased which was XX/XX/XXXX. The email should explain the reasons for the decrease and she also mentioned that PayPal Credit will do an account review randomly. I find it weird that my credit limit was reduced after I paid it off. Its like Im being punished for paying off my balance?! It simply doesnt make sense. I was transferred to a supervisor and he told me the same thing and mentioned that the review is according to the terms and conditions of the account. So basically he couldnt do anything about it. He said that I can always apply for an increase and it will be hard pull. The letter/email shouldve been sent prior to the decrease as a warning before you decrease anyones credit limit. Im finding out about this decrease when I havent even received a letter yet. I would like PayPal Credit/Synchrony Bank to correct this and increase my credit limit back to {$800.00}. This will mess up my credit usage/utilization and affect my credit score. The email on the account is XXXX.
Product: Student loan

I am writing to formally dispute the validity of the debt associated with my due to a violation of the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and a failure in higher education data security that has compromised my personal and financial information.

Under FERPA, educational institutions are required to protect the confidentiality of student records. In my case, unauthorized disclosure of educational records, data breach, and failure to obtain consent before sharing personal information were violated by the DOGE. This breach not only violated my rights but also directly contributed to financial harm, including the unauthorized or improper handling of my student account which has now made me vulnerable to identity theft. Since this breach, I have received an increase in identity theft threats. 

Furthermore, the Privacy Act of 1974 mandates that federal agencies safeguard personal data from unauthorized access and disclosure. The failure of the loaner to uphold these legal obligations has resulted in an undue financial burden that should not be my responsibility. As a result, I am formally requesting : -The immediate cancellation of the disputed debt due to the institutions failure to secure my personal and financial information. 
-A full investigation into the matter, including a review of how my information was handled and the extent of the breach. 
-Written confirmation that my account has been corrected, and this disputed debt will not be reported to credit agencies. 
I request a written response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Failure to address this dispute properly may result in further legal action, including complaints filed with the U.S. Department of Education, the Consumer Financial Protection Bureau, and other relevant regulatory bodies. I trust that you will take the necessary steps to resolve this matter fairly and in accordance with federal law. 

Please direct all correspondence regarding this dispute to my contact information above. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom agreed to remove their account from my Credit Bureau reports. I discuss my account with Nordstrom several times in XX/XX/XXXX -XX/XX/XXXX because of major discrepancies with my account.
Product: Credit reporting

On XXXX/XXXX/16 I contacted Equifax via telephone to request a formal dispute of an unauthorized credit inquiry into my personal credit report with Equifax. More specifically, on XXXX/XXXX/16 XXXX XXXX performed an UNAUTHORIZED credit inquiry into my credit score/history with Equifax. On XXXX/XXXX/16 I contacted XXXX XXXX regarding this unauthorized credit inquiry, which has adversely affected my credit score. XXXX had no comments so far on this incident. So I immediately contacted Equifax via telephone and requested a formal dispute of that " hard '' inquiry into my personal credit report. Equifax then sent me an email notification stating that my Equifax dispute had been resolved. However that 's simply a copy of my credit report. I was unable to reach Equifax today ( XXXX/XXXX/16 ) in order to resolve this issue immediately. Equifax 's website is also unclear on how to obtain immediate assistance. Equifax has failed to process my request to remove inaccurate information ( i.e. unauthorized inquiry ) on my credit report as I was promised on a phone call with Equifax 's representative on XXXX/XXXX/16. 
Please also let me know if the Consumer Financial Protection Bureau can initiate a separate investigation into this matter against XXXX XXXX or if I must file a separate complaint against them for performing an unauthorized consumer credit inquiry. 
Sincerely, XXXX XXXX
Product: Debt collection

ON XXXX  XXXX I RECEIVED A CALL FROM XXXX. THE CALLER WAS ASKING FOR XXXX XXXX. THE CALLER TOLD ME HE WAS CALLING FROM MIDLAND. I ASKED THE CALLER FOR THEIR MAILING ADDRESS SO THAT I CAN DISPUTE THE DEBT. THE CALLER CONTINUED THEIR COLLECTION ACTIVITY ASKING ME IF I WAS XXXX. I TOLD THE CALLER I WAS NOT XXXX, BUT XXXX XXXX AND THE CALLER HUNG UP ON ME. THIS IS NOT RIGHT. THE CALLER DID NOT ALLOW ME TO TELL THEM TO STOP CALLING ME AND TO REMOVE MY NUMBER FROM THEIR CALLING LIST AND/OR THE CALLER DID NOT TELL ME THEY WOULD STOP CALLING ME. I SEARCHED THE NUMBER THEY CALLED ME FROM AND MIDLAND  'S WEBSITE CLAIMS OWNERSHIP OF THIS NUMBER. I DISPUTE THIS DEBT, SEND ME RESULTS OF THEIR INVESTIGATION, AND I DEMAND A COPY OF THEIR DNC POLICY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX & XXXX. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX  XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

XXXX XXXX XXXX
Product: Debt collection

There was no category for coercing payment. I was trying to buy a home, I was pre approved. When trying to finish my application after my offer was accepted, a collection reported on my account. I was told it must be paid and cleared for my mortgage to go through. I called TransWorld Systems Inc. to verify the debt so I could pay it later as I was buying a home. The agent then pressured me to pay that day under the promise of removing it from my report so I could then go forward with my mortgage. I was promised total account deletion by TransWorld Systems , INC for full one time payment within 90 days of collection being opened. I did not get anything in writing, not the debt or the promise to delete for payment. I Contacted the company Several times to remind them to remove it from my credit as I was trying to buy a house. I was then told that unless I have an email or letter, they will not remove anything. I contacted the original creditor and they told me they had expedited the account for deletion by their collection representative because I did pay immediately in full. It has been 2 months and its still ruining my credit and I lost my ability to buy a home. I only paid that day ( XX/XX/2020 ) without proof because the company promised to delete the collection and I needed it gone to buy a house. I was coerced to pay an unverified debt because they knew how impactful their collection would be in my ability to obtain financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Hello. I tried removing this falsified debt that's been on my report for the longest. It has no name of were it is coming from also no address can you please remove debt. Also I was not notified of this debt in 5 days. From section 611 this debt should be removed.
Product: Student loan

The reason I document this issue is that there have been numerous attempts to correct this issue regarding the Public Service Loan Forgiveness Program and the company continues to cause issues regarding the proper tracking of the qualifying number of payments I have made in PSLF. I have recently been notified that the loan servicer would be changing hands in the coming months, so I have been submitting the proper paperwork to ensure that everything is in order. In one instance, I was told that the wrong person had certified the paperwork at XXXX XXXX of XXXX XXXX and they were rejecting the paperwork from XXXX XXXX. The County of XXXX XXXX is a large agency in the XXXX XXXX where thousands of people work. I can not control who signs the paperwork that is given to the main XXXX XXXX Department to send out for signature by who they deem is the proper person. I was also notified that I needed to submit new paperwork if I wanted a previous period that was unaccounted for to be considered as an additional period of employment due to recent changes in the legislation. The deadline to submit the paperwork under the TEPSLF program is XX/XX/XXXX. I re-submitted paperwork for the period of XX/XX/XXXX to XX/XX/XXXX, to show that I worked for the City of XXXX XXXX for one year, instead of the 6 month period that I was previously given credit for in past years. I would like for all of my periods of public service work to be accounted for and an update to be sent to me please on the total number of payments I have made toward the goal of 120 payments or 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.