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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Coast Professional, Inc : This letter is being sent to you in response to a notice sent to me on ( XXXX/XXXX/XXXX ) Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX XXXX ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, Your Name
Product: Checking or savings account

It started XX/XX/2023 I had a XXXX debt card link to chime card so the next business day I notice my XXXX balance was low and transaction XXXX transferred to chime account I called chime to make them aware of institution they advise me will handle my account allow 5-10 business days so chime suppended the account to fix and then close account. It never got fix I spoke with supervisor and several repsentative no one could give me reason why the account was close and refuse to give me Access just it my funds left on account I still to this day get my funds I deposited on card.i even I my daughter call get update still didn't get any where I even record the call.i want my funds due to me
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan account opened at XXXX XXXX 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 FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Consumer Name : 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 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 an auto loan account opened at XXXX XXXX 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX XXXX XXXX ) 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.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Credit reporting 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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : 1.XXXX XXXX # XXXX XXXX XXXX XXXX C XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I had a Fraud Alert placed on my credit report when I filed Identity Theft recently. Experian let a debit collector XXXX XXXX XXXX XXXX. file a duplicate account ending in XXXX that the account was closed in XXXX. The law : Rule from Experian called aged out accounts stated Experian govern by the Fair Credit Reporting Act will remove any closed account after seven 7 years. The account was removed after seven years on my credit then in XXXX XXXX XXXX XXXX reopen the account in a different name XXXX XXXX. Then law by Experian and the FCRA states the credit bureaus will search their records for closed duplicate accounts automatically and will not have to consult with the furnisher and if the consumer shows supporting documents that account number XXXX XXXX XXXX was on the consumers credit previously by law the CRA will immediately remove the account. The fraud alert Experian representatives told me the alert will stop any duplicate accounts by debit collectors. I am sending you my billing statement for XXXX so you can search your records to see the XXXX XXXX account ending in XXXX was closed in XXXX in good status. Remove XXXX XXXX XXXX duplicate account off my credit report. Aged Out Account law/rule Thank you
Product: Debt collection

Credence Resource Management is attempting to collect on a debt that was already proven to be fraudulent by both XXXX XXXX XXXX and a previous debt collector. The account date is inaccurate, the debt was already pulled off my credit report by the previous debt collector, and now we have credence resource management repeatedly posting negatively towards my credit and attempting to collect said money from a fraudulent charge. Company has never contacted me at any point, not via email, mail, or telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services
Product: Credit card or prepaid card

This is in regards to a contested charge in the amount of {$440.00} on XX/XX/2020 on my Citi credit card. The payee is XXXX XXXX XXXX. I realized the first week of XXXX that XXXX XXXX XXXX charged my card on file without my authorization for an annual renewal of my gym membership. I reported this charge to Citi and they said that I needed to try to work it out with the merchant first and if unsuccessful they would assist. For two weeks I had dialogue with XXXX XXXX XXXX and they said they would reverse the charge but they never did. I went back to Citi and they said give it a " couple of months '' and then come back to them. In the interim, the COVID pandemic occurred, XXXX XXXX XXXX closed, and they filed for bankruptcy. I demanded that Citi reverse this charge and they agreed to do so finally in XX/XX/2020. A credit was never applied to my card. Monthly follow ups ensued with the consistent response to me that we " will be back to you in 10 days with an update. '' The only " update '' from Citi has been closure of my account and issuance of a new card in XX/XX/2020 as they finally realized that XXXX XXXX XXXX could process another charge at any time. It is now been an additional two and a half months with the same replies of it " will be approximately 10 days. '' It has been 11 months now since this charge that I did not authorize was put on my card. I am kindly asking your assistance in getting this situation to a successful resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX XXXX  credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a credit card account on my credit report and two inquiries that does not belong to me : XXXX XXXX... Account Number XXXX Date Account Was Opened XX/XX/XXXX I noticed two unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX... Unauthorized Inquiry ... 1XX/XX/XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX
Product: Credit card or prepaid card

Citibank has forced opt-in for customers to use their rewards points ( thankyou points ) for purchases at XXXX, XXXX, XXXX, XXXX, and others. Citi does not ask for the customer 's consent to link our rewards points to these retailers and does not opt you out. You need to contact the retailers directly to unlink your rewards points account from the retailer as a form of payment. In the case of XXXX there is no mechanism to opt out. I am forced to continuously make sure I don't accidentally use my points towards a purchase there. Today, XX/XX/2022 I hit the incorrect button on the screen and accidentally used XXXX thank you points towards my purchase at XXXX. When I redeem the points for cash back at Citibank they are worth 1 cent each. When XXXX applies it, they charge me XXXX points extra ( XXXX points total ) towards XXXX dollars of my purchase, they unilaterally devalue the points of the program. On Citibank 's website they say there are no fees for using points at XXXX, yet I am charged 25 % premium if it is used there.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my authorization, and I suspect they are the result of identity theft stemming from a data breach. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXXXXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5100.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Debt collection

company called frequent and was told to stop and send any inquiries to address on file, called again 2 weeks later
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from Equifax. Equifax always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested Equifax to update their file over 5 times.
Product: Credit reporting or other personal consumer reports

I was denied credit ( loan ) through XXXX XXXX, who used credit reports from XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXXL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXX XXXX 
this is a violation as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$320.00} ; XXXX  XXXX  XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX  Inquired on XX/XX/2023 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 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 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 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 or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and XXXX ) regarding a fraudulent student loan account that I noticed on my credit reports. There is a student loan account with a company called Zuntafi ( which I've never heard of ) and it is not mine. The results of my dispute with XXXX said that the company verified my information as being accurate and that this account belongs to me. This account was reportedly opened on XX/XX/2010 and I have documentation and records to prove that I was at XXXX basic training during that time, so it is extremely impossible that I opened this account. The report also shows that the account is being paid on monthly and I absolutely have no documentation of those payments coming from my account. I've never heard of this company, I never opened this account, and the payments for this loan are not coming from my bank account. I don't know what else needs to be done to prove this account isn't mine and needs to be removed from my credit report. They have no documentation to prove that this account was opened by me and they have no documentation to prove that these payments are coming from my account, because they are not!
Product: Credit reporting or other personal consumer reports

Im reaching out to request your assistance in removing some information from my credit report. Im a victim of debt bondage due to human trafficking, and Ive been working with an advocacy group to get support. According to guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule, Im entitled to have this information blocked and removed. According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the necessary documentation, including a picture ID, a bill, and a letter from an advocacy group assisting me with my situation related to human trafficking and debt bondage. This falls under the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ).

I kindly request that you block the relevant information from my credit report within four business days, as specified in Section 605C of the Fair Credit Reporting Act. I have submitted all required documents, including the identification and information from the list of acceptable items, and a victim determination letter in accordance with 1022.142 ( b ) ( 6 ).

Thank you for your attention to this matter. 

Specifically, I need the following account removed from my credit report within four business days, as outlined in Section 605C of the Fair Credit Reporting Act : XXXX XXXX BANK XXXX {$880.00} Your understanding and prompt action on this matter would mean a great deal to me. Thank you for your help.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting 23 unauthorized Hard Inquiries to my Credit Report. 

All Inquiries dated from XX/XX/XXXX thru XX/XX/XXXX are unauthorized and therefore, should be deleted as soon as possible. 

Any assistance and / or direction regarding this matter would/ is definitely so appreciated!!