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

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute an inquiry that appears on my credit report, which I believe is a violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ). This law explicitly outlines the permissible purposes for accessing a consumer 's credit report. Any inquiry made without my explicit authorization or a permissible purpose under this statute must be removed immediately to protect my rights as a consumer. 

Upon reviewing my credit report, I noticed the following unauthorized inquiry : [ Name of the Company ] Date of Inquiry According to 15 U.S.C. 1681b, a credit inquiry can only be made under specific conditions, such as when I have applied for credit, given explicit consent, or for certain legally defined purposes. Since I have not authorized this inquiry, it is an unauthorized access to my credit information and must be removed from my report.

Additionally, this unauthorized inquiry violates several other federal consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report. I have attached a copy of my photo ID and proof of address for verification purposes. Once the correction has been made, please send me an updated copy of my credit report. 

Thank you for your prompt attention to this serious matter. I look forward to your response and a corrected credit report. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This law regulates the specific circumstances under which a credit reporting agency may provide a consumer report to third parties. According to this law, a credit report can only be accessed under the following circumstances : By court order : When a court issues a formal order. 
With consumer consent : The report can only be issued if the consumer has given explicit authorization. 
Credit evaluation or service request : If the consumer applies for credit, a loan, or a credit-related service. 
Employment purposes : To verify a consumers eligibility for employment, provided prior authorization is obtained. 
Insurance transactions : When the report is necessary for underwriting insurance policies. 
Review of existing accounts : By creditors to review an existing credit account. 
Important : If a third party accesses a credit report without the consumers consent or without a permissible purpose under the law, such access is considered a violation of federal law, and the consumer has the right to request the removal of the record and take legal action if necessary.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 reported in MONTHS REPORTING LATE to be removed 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. 

This company 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: Credit card or prepaid card

We noticed last week that we have been charged roughly {$60.00} a month for almost two years for security protection on our Lowes credit card bill. We called them, the amount totaled {$710.00}, they said they would refund us via check within a week. We never agreed to or signed up for any protection service, we are on a budget and really could have used that money over the past two years, reguarldess we waited on the refund only to see today they simply credited it back to our account balance. I called and explained we pay our bill on time they illegitimately obtained the {$710.00} and I would like it back, Ive could have used it over the past two years and want it back now. They werent helpful at all and essentially said we should be happy we got the refund on our account balance. In my opinion they essentially have stolen {$710.00} from me and when they are called out about it they are going to keep it and apply it to my balance? Thats ridiculously bad business for such a big company.
Product: Credit reporting or other personal consumer reports

I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. THIS IS MY FINAL REQUEST. 
After previous disputes I disputed the accuracy and validity of this reporting. I do not consent to report this account as it does not accurately depict the account history and details. This is fraud and I dont consent. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} You are reporting that the account is closed. Yet the closed date is missing from the report. Why is this incomplete? 
You are reporting a balance of {$4300.00} in the summary, but there is not a balance reporting in the balance history. Why is that? 
Creditor Classification reporting as Unknown? Why is it unknown? 
Date of last activity missing. Why is it missing? This date determines when an account will be removed from consumer file Remove this immediately This does not meet The FAIR CREDIT Reporting Act standards. 
Proof attached.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit 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 Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

Seems Truist is retaliating against previous submission of consumer complaints regarding mortgage handling and management, Checking account access and car loan handling. They have now gone and restricted my access to account to check balances, make payments and move money. I've attempted access to company site as I have the following three business matters with Truist. Online account requires verification prior to accessing information when I select send text message for verification access code. Five attempts and no access code was initiated nor received. The website has since locked me from account access online and forcing me to call to provide SSI, DOB, Address to individuals that retain information and later send scam text and spam calls.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency.

I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no.

I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law.

I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. 

I'm formally requesting the removal of the following accounts from my report within XXXX business days : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX CHILD SUPPORT ENFORCEMENT - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX- Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquiry date XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report.

Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported.

I expect you to address this matter promptly and resolve the dispute within XXXX business days. If not, I may have to take further legal action.

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

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I've recently checked my credit report from XXXX and TransUnion and I was shocked to see a fraudulent account was reported in my credit file. The XXXX XXXX XXXX XXXX is a fraudulent account, I did not authorize anyone to use my personal information in order to open this account. I filed the FTC Identity Theft Report and included this fraudulent account in this report.
Product: Debt collection

My identify was stolen and used without my permission. Equifax had a data breach and send me mail stating that my information was breached and I have two accounts on my credit that are not mine. I need them both deleted immediately. Equifax failed to keep my information secured. These accounts are not mine and I request they delete them from my reports. 

The first is XXXX XXXX with a {$510.00} balance. 
The second is XXXX XXXX  with a balance of {$770.00}. 

I want these deleted from my XXXX, XXXX, and Equifax reports immediately
Product: Debt collection

I applied for a credit card and found out that there is a trade line on my credit report for NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX. This is not my account. I have never had an apartment with XXXX XXXX. I reached out to the creditor and the collection company. I found out that not only do they have incorrect information, they also have the wrong SSN # on the signed contract. I have sent them over a copy of my correct SSN, a copy of the police report, a copy of my lease of the place I was living at the time of this crime, a copy of my ID and multiple letters advising them that this is not my account and I am a victim of ID theft.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove a charge-off from my account with your company. I believe in fair and transparent financial practices, and I have been diligent in addressing this matter through various channels without resolution. 

I have made multiple requests to your customer service department, both over the phone and in writing, seeking assistance in rectifying the charge-off on my account. Unfortunately, despite my efforts and numerous promises from your representatives, the charge-off remains on my account. 

This persistent issue has not only caused undue stress but has also negatively impacted my credit score and financial well-being. I have attached copies of previous correspondences, including reference numbers and dates, for your review and reference. 

I understand that errors can occur in financial transactions, but the lack of resolution after repeated attempts is unacceptable. As a valued customer, I expect timely and efficient resolution to rectify this situation. 

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the charge-off on my account. 
Provide a detailed explanation for the failure to remove the charge-off despite previous assurances. 
Take immediate steps to rectify the charge-off and update my credit report accordingly. 
Provide confirmation of the resolution in writing, including the expected timeframe for completion. 
I expect this matter to be resolved promptly, within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed FTC report sent in my drivers license social Security card police report four different times and always get the run around from Equifax telling me to do and send the same thing time and time again when they do nothing I spoke with a supervisor said his name was XXXX ID # XXXX was like so what send them again its XXXX fraud inquiries on my credit report XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX Bank XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX bank XXXX XXXX XX/XX/XXXX XXXX XXXX know why Equifax is not doing what they supposed to do when I done my part over and over again even taking off work losing money to get this resolved
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies XXXX, XXXX, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding incorrect and inaccurate information on my credit reports. Despite my diligent efforts to resolve these issues, these agencies have persistently ignored my disputes and failed to remove the erroneous accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have submitted multiple disputes to each of these credit reporting agencies, providing detailed explanations and supporting documentation demonstrating that these accounts are inaccurately reported and should be removed. However, my disputes have been repeatedly ignored, and the erroneous information remains on my credit reports. 

This non-compliance is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation into consumer disputes and correct or delete any information found to be inaccurate or unverifiable. The failure of XXXX, XXXX, and Equifax to adhere to these legal obligations has caused significant harm to my credit standing and financial well-being. 

I am requesting the CFPB 's immediate intervention to ensure that the credit reporting agencies comply with their statutory duties under the FCRA. Specifically, I urge the CFPB to : Investigate the handling of my disputes by XXXX, XXXX, and Equifax. 
Ensure the prompt removal of the disputed accounts ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit reports. 
Impose appropriate sanctions on the credit reporting agencies for their failure to comply with the FCRA. 
Provide a written response outlining the actions taken by the CFPB to address this matter. 
I trust that the CFPB will take this complaint seriously and act swiftly to rectify these violations. I am available to provide any additional information or documentation required to support this complaint. 

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

There is a charge off on my credit report from XXXX Whenever a company list an account as a charge off on your credit report theyre claiming that theyve ran off the balance as a total loss so now they have to report to the IRS & send me a 1099 for the balance that they wrote off that they say I owe So being that the account is ran as a charge off, but I never received any of the1099 cancellation of debt form the account is inaccurate and has to be removed
Product: Student loan

Initially submitted XXXX application to Nelnet on XX/XX/23 to decrease student loan payment. XXXX said I was qualified for the plan. Nelnet has put account into administrative forbearance for last 3 months and has not processed XXXX plan yet. I have uploaded proof of income and paystub to them and they have still not processed the application. Every week I get an email the application is still in process. Interest continues to accrue on the loans while they take more and more time to process the application and it is uncertain whether this interest will be written off. The XXXX application needs to be processed and the payment plan needs to be changed to XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 reported in months that are reported late to be removed.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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