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

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries on my credit report are fraudulent. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I respectfully request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report.

Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive attempted to retrieve my consumer reports online via annualcreditreport.com, but I always get an error message. Attention : Trans Union, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was threatened, by a Bank of America representative, that they were not going to post my mortgage payment if I did not pay my mortgage in XXXX payment vs paying bi weekly. The representative told me the only way they would post my payments the way I have been paying is if I paid them {$8.00} per transaction to enroll in there biweekly payment program.
Product: Credit reporting or other personal consumer reports

Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response CFPB # XXXX XXXX XXXX : XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX has reviewed your complaint filed with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Please accept this letter as our response. The information contained herein is personal and confidential. Your complaint involves an account that our client, XXXX XXXX XXXX XXXX, placed with XXXX for collection. XXXX does not own the account, and ownership remains with the creditor. XXXX acts as an authorized representative to collect the outstanding balance on behalf of the creditor. You indicated that you mailed a letter on XX/XX/year>, requesting verification of accounts reporting on your credit report. However, the account was not placed with XXXX XXXX XX/XX/year>, and XXXX sent an initial letter regarding the account on XX/XX/year>, a copy of which you provided with your complaint. As such, XXXX XXXX not have reported the account or received any dispute from you prior to XX/XX/year>, as XXXX was not yet aware of the account. Our investigation confirmed that XXXX has not reported the account to any credit reporting agencies. Any disputes filed with the credit bureaus prior to XX/XX/year>, would not have involved XXXX XXXX as XXXX had no knowledge of the account at that time. The account has since been returned to the creditor, and XXXXXXXX  will not make further attempts to contact you regarding this matter. If there are questions or concerns about credit reporting, we recommend contacting the creditor directly. If you have any additional questions or concerns, please contact XXXX directly using the information below. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX This communication is from a debt collector DESCRIPTION OF NON-MONETARY RELIEF Ceasing debt collection telephone calls or other company-to-consumer contacts ; Ceasing all contact/ Account closed and returned to creditor
Product: Credit card

A couple of months ago I thought I paid my Macy 's card in full. Then a couple months later, I looked at my statement and it had several {$2.00} charges. Macy 's charged me interest on an account that was paid in full and because there was a balance, an automatic {$2.00} charge was given. It was something new they had just started and as a courtesy, removed all of the charges off my account and reported to the credit bureau that I was in fact not late on any credit card payments. Things took a different turn when Macy 's ( credit services ) reduced my credit limited from approximately {$3000.00} to a mere {$100.00}. I have been a card holder with Macy 's for 10 years, it was my first ever credit card. I had never been late. The reduction in credit limit caused my credit score to go down XXXX points!! I am attempting to purchase a home and because of Macy 's credit, I could be negatively impacted in my rate. I spoke with someone at Macy 's credit and they refused to increase my limit and even spoke to someone in management.
Product: Credit reporting or other personal consumer reports

These accounts were fraudulently opened as a result of identity theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I called my XXXX XXXX XXXX from Comenity Bank customer service today on XX/XX/2023. To simply ask for a new card to be sent to the mail because I lost my old one. I was put on hold for a while and transferred to fraud protection and the lady told me that my account has been closed due to suspicious activity. And I told her what activity? I've been using my card frequently and been paying on time. She kept telling me that a letter will be sent to me and that there's nothing else I can do. 
I asked if she can transfer me to someone who can help me or give me a number to someone who can help me but she told me that I'm already speaking directly to the bank and that if i wanted i can reapply in XXXX. before calling customer service I was already on my account online I had XXXX in credit available. By the time the call was over I loged in again and all of a sudden XXXX credit was available and no due date. I don't understand why they messed with my account for no reason. I've been paying on time and it's unfair that my credit score is going to take a hit
Product: Mortgage

Plaza Home Mortgage company sold my loan and did not notify me of the event, I have auto pay and been watching my bank account and I noticed no payment, I called them and at that time I was told that my loan was sold to another company without any notice sent to me, XXXX XXXX was the new company I was told. My complaint is why is there no personal contact informing of such transactions, If I wasnt watching my bank account I would never of known about the transfer/sale of my mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX transunion XXXX number XXXX XXXX  Report Number XXXX XXXX  lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in XXXX   Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Credit card or prepaid card

I was on a flight to Colorado ( with XXXX family members ) when the second leg of our flight was cancelled & we were unable to rebook another flight. As soon as we were off the plane & able to, we called to cancel the hotel we had booked in Colorado, since we were not going to make it there. After explaining the situation to the person at the hotel, as well as a person at XXXX, they refused to refund our money. I immediately filed a dispute with Discover for the flight and hotel. After a short period of time, they gave us provisional credit for the flight and hotel. While the flight dispute was found in our favor, the hotel dispute was not and over XXXX days later, the charge was put back on my account. I contacted Discover & received an automated response & no one ever bothered to get back to me. I tried again and after XXXX minutes I was connected with a customer service rep. She asked for documentation of cancellation, which I obviously didn't have because we had to call to cancel and got the run around from both the hotel and XXXX, hence the dispute. I was told that I would need documentation & when I told the representative that I had the name of the person I spoke with at the hotel & the phone records showing that I had called, she then said that I would need written documentation, which I had already told her I didn't have because I called to cancel. During the time I was on the chat with the representative, I was XXXX logged off & received automated responses when I logged back on. I was eventually able to chat with a person again, but the time I wasted waiting was unacceptable. I will be making complaints against both the hotel and XXXX as well..
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

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! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

The company is Navient and this is for a private loan payment. The reason they are calling is to find out when I 'm going to make a payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they leave a message then call right back again from XXXX different numbers. This is excessive and I do n't need them calling me that many times a day. Please make them stop calling me 6 to 8 times a day.
Product: Debt collection

LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my XXXX and XXXX instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my XXXX and XXXX XXXX XXXX by Silence letter XXXX via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all XXXX request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX  XXXX {$5700.00} XXXX  XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX XXXX XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/XXXX ]. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX as well as a violation of my rights to privacy. Please contact [ company ] and investigate such occurrence. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below. 
Thank you. 
Sincerely,
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached I have attached the proof. Here is the written proof XXXX XXXX XXXX date opened was in XXXX There has been 6 hard inquires and I have not brought a car or house. I lived in georgia for 5 years the collection account does not belong to me from New Jersey. They refuse to delete this collection account. There are names XXXX XXXX dont know who that is. Please delete all negative remarks, inquiries, collections, addresses that are from XXXX XXXX and that are not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXmmediately as I was a victim of this data breach and several others.
Product: Credit reporting

On XX/XX/XXXX I had disputed a bankruptcy that has appeared on my credit report. Today XX/XX/XXXX I called eqiifax regarding the outcome of the investigation since its been over a year. There response was it was still under investigation, So I questioned the CSR do you abide by the the laws set-forth under the fair credit reporting act. The CSR response was yes. So my answer was to him under the fair credit reporting act its been over a year it need to be removed because it was not verified. Again his response was its under investigation. This is the issue at hand and needs to be resolved its like they are above the laws set forth under the fair credit reporting act.
Product: Checking or savings account

I am writing to file a complaint against Huntington Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Huntington Bank for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary No payment history available to display. 

Status Charge-off Status updated XX/XX/XXXX Past due amount {$80.00} Highest balance - Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Account They will not remove off my credit report re-aging debit last payment was XX/XX/XXXX It's been XXXX years
Product: Money transfer, virtual currency, or money service

My Cash App account was closed on XX/XX/XXXX with no explanation or proof of reason for closure I reached out via chat and was told they would get back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix a problem with XXXX since XX/XX/XXXX and they continue to lie. They just lied to this Bureau again about not having submitted info on my credit report. On the last complaint I filed XXXX they stated they did not report info on my credit report and I have proof that they have been. I am trying to buy a car and they have ruined my credit with an account that has been investigated over and over and proven not to be mine!!!
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and I discovered multiple inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have negatively impacted my life and credit health detrimentally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am responding to this response from Experian : Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. 

I XXXX XXXX did send this complaint and request to removed and blocked the items listed on my FTC report