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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX  XXXX XXXX  Account Number : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was approved by XXXX XXXX for trial modification, but my incompetent loan servicer once again is trying to take legal action to seize my home. I am not sure why CFPB has not passed on my complaints to a the federal regulators as they continuously damage my credit, lie about payments, and now sending me an Act 91 notice.
Product: Debt collection

This agency is reporting a debit on my credit report without proper documentation to collect. The State of Texas requires an ACTIVE license or Surety Bond to Collect a Debt. or report a debt in the State of  Texas. Please delete this account from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, LLC # 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I faxed a ID theft affidavit with a police report to Equifax claiming that I have no recollection of XXXX trade-lines that appear on my credit file. Equifax did not provide any information to confirm that they followed the procedures to conduct a reasonable investigation, specifically in a case involving ID theft, nor did they forwarded the documentation in this case to XXXX or XXXX. I am demanding that this Credit Reporting Agency follows the procedures as per the FCRA to assure that the information on my credit file is accurate.
Product: Checking or savings account

I need to dispute 3 transactions made with my debit card from Bank of the west. I tried to report this to my bank but hey closed my account a couple of weeks ago, and Im not in the US right now to do it at the branch. So they denied the opportunity to report this charge back request.

transaction 1 : XXXX XXXX ( I cant check the exact dollar ammount because I dont have access to see my statements ) made on XX/XX/2022. I should received this on XX/XX/XXXX transaction 2 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX transaction 3 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX I tried to reach the merchant several times without any answer, and they never respond the emails I sent to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I having an issue obtaining my credit file and report from Trans Union. For over 1 year, I have sent numerous letters of request to Trans Union, requesting for Trans Union to mail and send me a copy of my Free Annual Credit Report, which I am entitled to receive annually under the 1970 Fair Credit Reporting Act ( FCRA ), as of to date, I still have not received a copy of my Free Annual Credit Report which is a violation of the Fair Credit Reporting Act under federal law. Trans Union has sent me numerous letters informing me they do not maintain a credit profile on me which is inhibiting and prohibiting me from receiving my Free Annual Credit Report, apply for and obtaining credit.
Product: Payday loan, title loan, or personal loan

I have had XXXX personal loans with OneMain Financial the last loan was paid in full total loan was XXXX paid over XXXX in interest. 

After the passing of my Mom waiting on probate court and sale of her property I decided to return to OneMain for a another loan after receiving several invites via email and U.S. Mail. 

The OneMain store Manager was excellent I have been doing business with her branch for over 15 years. 

Unfortunately on XX/XX/2023 I was denied the loan unless I provide a car for collateral never required this in the last loan with same credit score? Additionally, my concern is they ran a hard credit check which I understand but gave my credit score another point deduction with no loan? Why?
Product: Debt collection

I asked the bureaus to update my personal info 2 times with no success. I have submitted documentation as proof. Name, addresses, and employment should be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the ONLY INFORMATION that should be on my credit report. Im demanding this info be UPDATED immediately. Thanks
Product: Credit reporting

The following accounts below were deleted from my credit report ... 
XXXX XXXXI recently check my credit report and they have since then re-appeared. These need to be removed as the original dispute was valid and company was unable to furnish proof these were mine.
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my consumer report on the date of XX/XX/2024 that is reporting numerous inaccurate negative accounts. this has not only damaged my right to extend credit, but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this. Not only has my character been defamed, but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that you company has ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. you company is in violation of several federal laws including the responsibility you have to protect my privacy.
Product: Credit reporting or other personal consumer reports

I formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 have submitted several complaint to Transunion. Transunion sent me a response that they deleted this change off on XXXX/XXXX/20. it still has not been removed from my credit file. As well as XXXX  & XXXX  are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX XXXX  Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my nonpublic information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Lease have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XX/XX/year> XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
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 confidentiality under 15 USC 1681. 

Account name | Account number 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 card or prepaid card

On XX/XX/2019 I used my Capital One credit card ending in XXXX to pay for a reservation to XXXX XXXX XXXX that I have made on XXXX. Since I arrived at the resort it has been a nightmare experience from the rooms not being as advertised, to the resort refusing to give our money back to us if we agreed to check out. While at the resort I first contacted Capital One about the issue on XX/XX/2019 the representative said they would take care of the issue once the charge posted to my account. Fast forward to XX/XX/2019 I called Captial One to begin the procedure of disputing the charge to the account. The representative for Capital One assured me that I would not have to be responsible for this charge and that they would take care of it. The repersentive informed me that if they needed anymore information that they will ethier call me or send me a letter in the mail. I havent received anything from the company so I figured every thing was good until XX/XX/XXXX. On XX/XX/XXXX Capital One rebilled my card for XXXX. Upon seeing this I called Captial One to find out why I was rebiled for this charge. The first repersentive I talked to said that I did not provide enough evidence for them to move forward with the investigation she said that I would have to send a rebuttal since the resort responded to the dispute and I would also have to send a cancellation notice. I told the repersentive that I would not have a cancellation notice because the resort refused cancellation. So I sent Captial one what I had which was proof of the actual booking, my statement and pictures of what I was advertised and what I actually received. I was then notified by Captial One that with out a cancellation notice they refused to do anything about this charge on my account.
Product: Checking or savings account

I was the victim of fraud due to phishing. {$3500.00} were taken from my account on XX/XX/23, after hacker used XXXX XXXX  to pursued me into accessing my account under false pretends. Upon realizing what had happened I went to Bank of America as the funds were processing they did not cancel the transaction and or gave me a temporary credit per E-regulatory laws. I submitted evidence the following day, that these hackers were trying to contact me again and information regarding the calls and links they were text messaging in attempts to continue to defraud me and despite of this Bank of America have continued to be in violation of e-laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also consumer reporting agency can't furnish an account without my written instructions.

15 U. S.C. 1681B Permissible Purpose of Consumer Report
Product: Debt collection

CAVALRY/XXXX refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that you have reported on my credit report. The entry in question is as follows : Account Number : unknown Reported Amount : {$610.00} & {$610.00} Nature of Dispute : I believe the information is incorrect and unverified. ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), furnishers of information are required to ensure that the information they provide is accurate and verifiable. Furthermore, Section 1681i of the FCRA mandates that upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable investigation to ensure the accuracy and completeness of the information reported. 

I request that you investigate this matter thoroughly and provide me with a written response detailing the results of your investigation. If you are unable to verify the accuracy of this information, I expect it to be promptly corrected or removed from my credit report. Additionally, I request that you notify all three major credit bureaus ( XXXX, XXXX, and TransUnion ) of these corrections. 

Please be advised that if this matter is not resolved to my satisfaction within [ 30 ] days, I will consider all available legal remedies, including but not limited to seeking litigation for violations of the FCRA and any other applicable consumer protection laws. I would prefer to resolve this matter amicably and without the need for legal action, but I am prepared to take all necessary steps to ensure that my rights are protected.
Product: Credit card or prepaid card

I payed a kohl 's credit card on XX/XX/2018 with the amount being : {$150.00}. 

The issue that I have is that I was never given any alerts or mail that I had a due date coming up or even a statement of when my payment would be due. I have called their customer support and they realized their mistake and issued me a credit reversal which refunds me the late fee but was told they didn't have access to removing the delinquency from my credit history since they are only representatives. I have tried to reach out to the creditor but public information could not be found. 

I was only called once after 30 days being late and was told I was late but I had no knowledge. the same day they called me I payed the card in full as I never in my credit life have ever missed a payment or had any other forms of deliquency. 

I would like to work peacefully with the company to remove the delinquency and correct the error on my credit report.
Product: Checking or savings account

I had a dispute open on my checking account. The bank issued final credits in regards to this issue but now has locked my account from any activity. Customer service told me that my account has a " no check status '' which blocks me from any and all activity. I am hearing impaired so I can not just call customer care so easily. Furthermore, I am at my second home in XXXX and not at my XXXX home so I can not just walk into a TD branch. I sent a secure email via online banking but nobody will assist me in unblocking my account. How can a bank issue dispute final credits then block the account?
Product: Credit reporting or other personal consumer reports

This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified?

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.

I have never done business With Professional Finance Company Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated. 
Validation of Debt and HIPPA XXXX XXXX. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to Professional Finance Company.

Professional Finance Company collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.
Product: Debt collection

I receive over 60 calls per day at all hour from Discover Card collections. Even after being told I am filing bankruptcy, they continue excessively. This has reached harassment.
Product: Credit reporting or other personal consumer reports

A few years ago I was a victim of identity theft and a fraud alert was placed on my consumer report. Someone I know told me that they came in contact with someone that created a XXXX XXXX XXXX and was able to purchase over XXXX credit files which includes people personal information that they will use for identity fraud. I believe that there is a law that speaks on any unauthorized use of your personal information by any one which includes data furnishers, without your written consent is constitutes as Identity Thef. On XXXX XXXX XXXX  correspondence was sent to these companies as it relates to them not furnishing, selling or sharing any information that they obtain on me with no XXXX XXXX XXXXXXXX XXXX XXXX or other XXXX XXXX without my written consent. I was not satisfied with the non-response from these companies.