23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint # XXXX & XXXX and requested immediate deletion of Bankruptcy that does not belong to me : US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX. 

I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified. 

The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that Experian did not verify this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

In your response to my complaint # XXXX it was stated Experian verified this bankruptcy as belonging to me. This is completely false and I demand proof of this verification. 

I have provided you in my complaint # XXXX a XXXX Consumer Verification proving this bankruptcy does not belong to me, which is the only legitimate alternative to asking the court for verification. 

I have also placed a fraud alert on my credit report upon becoming aware of this and I have filed a police report and have provided the police report to Experian. I FORMALLY REQUEST IMMEDIATE DELETION of this Bankruptcy on my Experian credit report that does not belong to me : US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following Accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. nThe following accounts are listed below : XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : $
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX  ) that you, the EQUIFAX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at FB & XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Equifax responded to the previous complaint that they removed the information, in fact the information is still on my credit report and has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing UNITED CONSUMER FINANCIAL SERVICES on my credit report and have not been getting through with the original creditor. I called the phone number listed for the company which is ( XXXX ) XXXX on XXXX XX/XX/2022. I called XXXX before a lady that goes by XXXX XXXX answered the phone and said verbatim Call this number one more time and see what happens! And than proceeded to hang up on me very rudely. I attempted to call back but she sent me straight to voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received by mail a Pre-qualified offer from XXXX XXXX XXXX XXXX, XXXX  to reduce my current new car loan from XXXX XXXX. In the offer they indicated my XXXX interest rate@ 8.6 % and their pre-qualified rate@ 5.5 % which the offer would expire on XX/XX/XXXX. The offer letter also had a Pre-Qual Code XXXX to be use by calling or on their website. I decided to use their website, on XX/XX/XXXX at XXXX, where I entered the Pre-Qual Code as instructed. I then was taken to a standard loan application which required me to enter almost all the info that was already in offer letter. So, I became suspicious, but I continued until they asked for my SSN, which I did not enter, at point I ended the application and closed the webpage! To my surprise a few minutes later I received a confirming email to my email address XXXX stating thank you for applying for an auto loan and I would here back in a few days! It cam form XXXX! I immediately replied with a return email : To whom it may concern : I received a pre-qualified invitation from XXXX XXXX XXXX XXXX and XXXX  to refinance my auto loan, showing details about me and my current loan! 
When I went to your website as instructed and entered the magical mystic code XXXX include in the letter I received, it responded with many questions, with I answered, even though they should have already been answered as identified in your letter. Which leads me to believe that this is a scam!!! 
So, I am requesting that you remove any and all personal information you solicited from me ASAP or I will file a complaint with the FTC charging Fraudulent Solicitation!! I sure you or your organization is aware its illegal! 
I will expect a response to my request acknowledging that you removed me from all email and or phone lists as I requested!! If not, I assure you that you will hear from me again! 
Thank you XXXX XXXX. 

Today I received notice from XXXX XXXX, who Im a member, that a new Hard Inquiry had been made to my Equifax credit report, asking me to verify it, which I did! It was made by XXXX XXXX XXXX XXXX! I filed a dispute with Equifax immediately which is currently pending! 
I did not give my SSN to this bank, I didnt complete their form giving them authority to pull my credit report. I tried to get their customer service with no results, they dont seem to have one, I  dont know of any Bank that doesnt have customer service! 
I suspect fraudulent activity, this appears to be a scam! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute and complaint regarding a potential violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act related to a student loan issued by the Department of Education.

As per the Family Educational Rights and Privacy Act ( 20 USC 1232g ( b ) ), which protects the privacy of student education records, my student loan details and information should be treated as confidential education records by the Department of Education and any other entities servicing or handling my loan. 
However, I have reason to believe that my private student loan information XXXX have been improperly shared, disseminated or reported without due care, fairness and confidentiality protections as mandated by 15 U.S. Code 1681, which outlines Congressional findings on the need for accuracy, fairness and respect for consumer privacy in credit reporting.

Specifically, section 1681 ( a ) ( 4 ) states there is " a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Furthermore, section 1681 ( b ) highlights the purpose of having " reasonable procedures '' for entities dealing with consumer information to ensure " confidentiality, accuracy, relevancy, and proper utilization of such information. '' I am concerned that my private student loan data, which should be safeguarded as an educational record under FERPA, XXXX have been mishandled, improperly shared or inaccurately reported, thus violating both FERPA and the Fair Credit Reporting Act 's intent of protecting consumer privacy. 
As such, I urge the CFPB to investigate this matter thoroughly and take appropriate enforcement action to uphold my student privacy rights and ensure compliance with all applicable privacy laws by the Department of Education and any other entities involved in servicing my student loans. 
Thank you for your attention to this serious issue. I look forward to your prompt action and response regarding this dispute.
Product: Credit card

Ive had my Discover card for over thirty years. Recently, I noticed a special 5.10 % rate on a 9-month CD, so I opened three accounts for {$10000.00}, {$15000.00}, and {$25000.00} each. However, I found no option to input my bank details for a balance transfer. When I called Discover customer service, they informed me that I needed to either wire transfer funds or mail a check. I opted to send checks, as the wire transfer fee was {$35.00} per transaction. 

On XX/XX/XXXX, I received three letters from Discover stating that I must fund these CD accounts within 20 days to avoid closure. Upon checking my accounts, I saw the listed APR was 5.10 % with a maturity date of XX/XX/year>. I mailed all three checks in one envelope via priority mail. However, on XX/XX/XXXX, I learned that only one account was credited with {$10000.00}, and it had an interest rate of 4 %. Customer service told me they only received one check and that the other two accounts had been closed.

I insisted that I mailed all three checks together and pointed out that the advertised rate should have been 5.10 %, not 4 %. The representative explained that the rate changed upon receipt of my check, which wasnt disclosed when I opened the accounts or mentioned in their correspondence. My online account still shows the 5.10 % APR for each account. Clearly, Discover is misleading consumers! When I asked to close the {$10000.00} CD and get a refund, I was informed about an early cancellation fee if the account was not kept open for at least 61 days. THIS IS ACCEPTED!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Several months ago I started receiving letter from cbe group stating I owed a debt and they are trying to recover the debt. I called and explain that 's not my debt and inform them to stop sending letter or contacting me. Since then I have continuous received letters over and over again. Basic harassment of a debt that does n't belong no to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDLENT INQUIRES WHERE MADE ON MY CREDIT REPORT! 
I HAVE PUT A FRAUD ALERT ON MY CREDIT REPORT! A POLICE REPORT WAS FILED DUE TO FRAUD TRYING TO BE COMMITTED. 


INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Debt collection

disputed all charges for all three credit reports and creditors Springs Oaks and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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: Money transfers

I sent {$2200.00} dollars to XXXX XXXX of XXXX Missouri for a car that was supposed to be delivered to me within XXXX days. I never received my product. Therefore, i got scammed.
Product: Checking or savings account

XXXX XXXX Ive received a check for XXXX $ for work Ive conducted for a customer reforming around landscaping work. Prior to this I had already deposited a check the customer paid XXXX $ to my checking account ending in XXXX. I submitted a mobile deposit for the XXXX $ to my newly opened saving account. Uploaded the check admittedly was placed on a hold with a date given XX/XX/XXXX for the check to clear and time for chase to verify money was about to go through to my account. I called customer service regarding the issue they had informed me that XX/XX/XXXX the amount should post to my account and should have no problem accessing the funds deposited. Today XX/XX/XXXX contacted JP Morgan Chase regarding the hold placed on both my checking and savings account I wasnt able to withdraw the XXXX $ deposited into my savings account. I was told by the customer representative that both of my accounts were closed without any disclosure of information allowed or given. That within XXXX business days I could potentially receive a check in the mail for the amount balance left in the account but thats hypothetical if theirs a remaining balance of XXXX $ the account left with in and was close with unreasonable causes. Leaving a customer without money in their account without when or if I may receive anything. Should be absolutely illegal to close a customers account without a reasonable cause or explanation. After speaking with a supervisor informed me that a possible check would be sent to my mailing address that the account had been set in notation closed since XX/XX/XXXX. That a check possibly of XXXX $ could be sent within 10 business days following on date XXXX of XXXX. There was no possible way the supervisor could tell me if that was promised. End result me losing money for work Ive performed and depositing a check without even pay a return fee of check if bounced.
Product: Bank account or service

Dear Sir/Madam, I am sending this complaint since Citibank does n't honor the promotion offer on which Citibank would post XXXX XXXX miles to my XXXX account after I opened a Citigold account and finished some related requirements. 
I opened the Citigold checking on XXXX XXXX and fulfilled all the requirements on XXXX XXXX. Both the call center and online chat confirmed I had fulfilled all the requirements on XXXX XXXX. 
On XX/XX/XXXX, the online chat customer service stated that they need additional 30 days to post the miles to my account. 
I waited until XXXX XXXX and the security message customer service suddenly told me I was not targeted for the promotion after I had been waiting for much more than 90 days when it was the time Citibank need to honor the offer by their T & C. 
I sent a new online chat on XXXX/XXXX/XXXX and the customer service stated that they would file an investigation and I would receive the result after 2 business days. However, there is no response at all until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a XXXX XXXX on a child that ended up not being my child. I was placed on child support and it was put on my report. After it was determined the child was not my child, it has not been removed.
Product: Credit reporting or other personal consumer reports

I am grateful for your work in correcting my credit information by removing some of the erroneous entries. However, there are still some items that need to be addressed and removed. This is my new attempt to dispute the items in my credit file which resulted from the erroneous credit information. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from the incorrect credit report details, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from the erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Submitted an FTC Identity Theft to Equifax numerous times via USPS and online regarding fraudulent inquiries. However they continue report the fraudulent information.
Product: Mortgage

Our mortgage was acquired by Freedom Mortgage in late XXXX. We have made every payment on time which was even acknowledged by them over the phone. They have promised to address the discrepancy several times, but we are still receiving deliquency letters from them and have been reported delinquent to XXXXXXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

I was charged {$200.00} on XX/XX/2022 for items not received. I contacted Macys and the company in question on XX/XX/2022. When I was not able to get the issue resolved, I re-contacted Macys on XX/XX/2022 and spoke with XXXX, at approximately XXXX pm cst. When she refused to solve the problem, I requested to speak with her supervisor. I wasnt connected to a supervisor.
Product: Debt collection

I requested that the XXXX party agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.