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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm urgently contacting you regarding critical discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). It has come to my attention that persistent errors remain in my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations include : Inaccurate financial data furnished by creditors to reporting agencies. 
Merging individuals ' information based on name or social security number similarities by agencies. 
Neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I hold specific rights, including : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information according to prescribed time frames. 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

2. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 



I anticipate prompt action to rectify these violations within the FCRA 's mandated timeframe. Failure to comply will unfortunately leave me no choice but to pursue legal measures to ensure my rights under the FCRA are fully upheld. 

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

Per the Equifax XXXX website, I was involved in the Equifax data breach. My personal information was stolen without my knowledge or consent. I take issue with the fact that this theft occured between XXXX XXXX, yet information about the attack was only made widely available in XXXX. Equifax holds responsibility for this cyber attack by not having proper cyber-security. In addition, unlike most other companies, Equifax in not something that one can easily opt out of. If one has ever requested credit for a mortgage, student loan, etc., then Equifax XXXX as well as the other XXXX credit bureaus ) have all of one 's personal information on record. I would not have chosen to give Equifax any information if I had a chance. 

My identity could be stolen at any time for the rest of my life. Thanks a lot, Equifax. 

I have signed up for Equifax 's free year of credit monitoring. 

PS : since this is a gov't website, can I provide a suggestion? I think it 's time to scrap the whole SSN system and either re-issue a new SSN to everyone in XXXX, or to use a different system for linking financial records to individual people.
Product: Payday loan, title loan, or personal loan

Had bathroom remodeled, company in Michigan finished XX/XX/2019. 
Monthly contract with finance company, payment due in 30 days after installation. 
1st bill due XX/XX/XXXX already added XXXX+ interest in less than a week. 
payments were to be XXXX, w/XXXX daily interest, I have always paid more to try to pay off early. 
contract says monthly, company says they charge daily interest. 
If I send in a payment to early they charge me a months interest for non payment for the month, and then when they post that payment they charge me interest " AGAIN '' the more I pay, the more interest they charge. They also have said on my CR report that they sold contract to a credit union, so who do I owe.
Product: Credit card or prepaid card

Cant access my prepaid account on website, it was said that my security information is incorrect, before it displayed incorrect security information I still used the card on website couples of minutes ago when I have to sign in back it kept kicking me out
Product: Credit reporting or other personal consumer reports

My friend XXXX XXXX added me as an authorized user to his account. My credit was frozen indefinitely with XXXX, XXXX, and XXXX. Yet you reported a hard inquiry and debt for an account that was not mine and ruined my credit score. This information was incorrect and needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX  XXXX, XXXX with XXXX XXXX and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

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

Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$230.00} Reported balance Highest balance {$230.00} You've paid off 0 % of this loan OVERVIEW Highest balance $ 236 Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 7 mos ) Term 0 month PAYMENT HISTORY Last payment -- Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Telecommuncations/cellular Responsibility Individual Remarks Collection Account Account information disputed by consumer, meets FCRA requirements XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks Today Credit Cards Loans Money Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$1600.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$1600.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 7 mos ) Term 12 months ( 1 year ) PAYMENT HISTORY You've made 67 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current red_status Not current Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Closed Type Secured loan Responsibility Individual Remarks Closed Times 30/60/90 days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX See XXXX mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks Today Credit Cards Loans Money Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ 0 Monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Term 0 month PAYMENT HISTORY Last payment -- Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Utility company XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I leased a Volvo XXXX from XXXX XXXX XXXX. When I signed the lease I asked to move my XXXX plate XXXX from my old car to the leased car and it was done. The plate that was on the leased car was XXXX plate XXXX. 
In XX/XX/XXXX I moved to XXXX and changed the registration on the leased car to a XXXX plate. 
Volvo car financial services ( VCFS ) kept getting the bills from the town of XXXX XXXX for XXXX plate XXXX. In XX/XX/XXXX VCFS started sending me bills for the excise tax that they received from the town of XXXX for XXXX plate XXXX. 
I never leased a car with plate XXXX XXXX and I didn't own a car in XXXX since XX/XX/XXXX so I don't see why I have to pay for a plate I did't own in a state I wasn't leaving in since XX/XX/XXXX. 
I paid VCFS for XX/XX/XXXX of the XXXX bill since I lived 7 months in XXXX in XXXX. 
I would like VCFS to stop sending me bills for the mistakes they made.
Product: Credit card

I applied for a a Union Bank XXXX credit card that was 0 % interest rate for 18 billing cycles. My first billing cycle was XX/XX/2022. Union bank then got acquired by US Bank. I received the card and this billing cycle, I received my statement that I was charged interest. It has only been 13 billing cycles. I called US Bank and the representative told me that interest rates are variable and they are allowed to change terms whenever they want. They also told me I had no recourse.
Product: Debt collection

This company needs to be looked into for how they structure their student loans. They separate the loans by semester therefore youre paying additional interest, unnecessary reporting on credit file, etc. In addition, they call non stop and mail a plethora of notices weekly. Something is not right about how they do business and needs investigating.
Product: Checking or savings account

XXXX XXXX tried you file unemployment of Ohio in my name
Product: Credit reporting or other personal consumer reports

I Just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX XXXX Location XXXX XXXX XXXX XXXXXXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/XXXX This inquiries has no permissible purpose to be o my report. Please remove this inquiries due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Defamation of Character and credit worthiness!! In efforts to regain custody of my life and credit I have begun my process of rectifying inaccurate information on my reports. I have sent multiple letters and placed many phone calls to solve these issues with no success. The law is very clear as to the civil liability and the remedy available to me under FCRA section 616 & 617 if you fail to comply with federal law.
Accounts : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says XXXX XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.
Product: Vehicle loan or lease

I returned the vehicle and they are still showing a balanced owed. They refused to do a settlement as requested when I tried to get it refinanced. Was unable to come to an agreement and was told if I returned the car it would be removed from my credit and be an owner surrender. Now there still charging me for a car that was returned. I sent a certified letter and it came back not deliverable address- unable to forward
Product: Credit card or prepaid card

I had an account with Wayfair, that is now closed. It was fully paid in XX/XX/2020. 
the credit card service was provided by Commenity Bank. They charged me with an abusive late fee of {$29.00} when the payment was not paid late. I have called and spoke with several agents that refused to remove the fee. The due date was on a Sunday, therefore I paid the balance the day that was due, my bank released the funds within the next 24 hours, so this is an abusive way to obliged people to pay more money. In addition, this account is closed so why they are still trying to charge me?. I will like you to investigate because like me there is a lot of people being overcharged by this kind of irresponsible company that looks for a way to get more money. I have never paid a single account late. I even have a credit in the account for {$10.00} that they refused to refund, so they should use that money if they are not willing to refund. 
I do not recommend Commenity Bank to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Someone has been using my information to obtain loans and other forms of credit. Despite the fact that I have reported this activity to the credit bureaus, more accounts are appearing on my credit. Recently I received an alert of yet another account ( XXXX XXXX XXXX ) that appeared on my credit. I would for the credit bureaus to investigate and remove the errors from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 





1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

Paypal is arbitrarily applying hold policies despite my being an account holder in good standing. In the latest incident, paypal arbitrarily applied a hold against my account for funds from an auction completion. No where was the made explicitly clear that this transaction would flag some arbitrary rating system, applied by EBAY and Paypal which are now separate companies. Furthermore I never allowed, approve or otherwise granted Paypal permission to share my account information with anyone else, including Ebay which is now a new and different company. This issue goes along with paypal charging fees that were not disclosed in given transactions. Most recently they charged a seller a fee was omitted from the disclosure they provided to me during and upon completion of the transaction.
Product: Checking or savings account

Two fraudulent withdrawals were made on my debit card and listed to an ATM at XXXX XXXX XXXX XXXX XXXX CO. Ive never been to CO and my debit card has always been on my person. XX/XX/2020 @ XXXX XXXX for {$60.00} with fees totalling {$6.00} and XX/XX/2020 @ XXXX XXXX  for {$60.00} with fees totalling {$6.00} - a total of {$130.00} taken fraudulently from my account. I cancelled my card, started a claim w/ the bank ( # XXXX  XXXX ) and received a call from Citizens Bank stating that they were not responsible because a chip and my PIN # were both used. I have contacted XXXX PD and was given a case # XXXX. They were not optimistic about being able to help me, as the ATM was in a part of town where the businesses were not inclined to help police.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I was at XXXX XXXX XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.
Product: Debt collection

Collection from XXXX XXXX XXXX for {$210.00}. I do not owe this debt, I have had XXXX. I have disputed this balance and provided proof that I was with XXXX  at the time this balance was incurred.
Product: Payday loan, title loan, or personal loan

Starting XX/XX/XXXX, I contacted the corporate office about the local stores collection procedures. They had the director assign One rep to collect partial payments. This was done, ok until XX/XX/XXXX, a new manager tried to impersonate the assigned rep. After, the assigned rep has refused the payment plan and refused providing contact info for reg director, I believe they have caused erroneous charges in interest and fees putting my one vehicle for a XXXX person in jeopardy of being repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX. My car note is due on the XXXX of every month. XXXX reported I paid 30 days past due which is not the case. My note due XX/XX/XXXX was paid XX/XX/XXXX. When you look at XX/XX/2018 calender that is not 30 days late. Since it is not 30 days late I would like it removed.
Product: Checking or savings account

I contacted Capital One due to an unrecognized transaction on XX/XX/2022 made through XXXX. I received an email stating that my account may be closed out. I called Capital One and was told by a rep that my account was closed and that my funds were frozen and I had to request a one-time exception to have funds sent to an external bank via ACH. I think it is ridiculous to shut down someone's bank account where their lively hoods are being sent just because they reported an unrecognized transaction.
Product: Mortgage

I am XXXX  XXXX XXXX veteran. I am exempt from property taxes yet Guaranteed rates continue to collect these monthly. I have provided all required documentation and have had my county assessors office verify this as well. Yet they continue to charge me and will not refund my escrow overage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding the alleged INQUIRIES. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?