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

On XX/XX/XXXX, I am submitting a request to block information on my consumer report as I am a victim of identity theft. This was not a dispute, however the CRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifing information was affected by the XXXX XXXX data breach as well as Equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE AND DO NOT PLACE A FRAUD ALERT UNLESS I SAY SO. The accounts that must be removed are : XXXXXXXX XXXX XXXXXXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXXXXXXOpened on XX/XX/XXXXXXXX XXXX XXXX XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my personal information has been used to open several accounts and more attempts made to get credit. I have included the police report & identity theft report. Please permanently delete these things from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to respond to my dispute letter regarding inaccuracies on my credit report. On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail tracking number : XXXX, requesting an investigation into inaccurate items on my report. In addition, I disputed incorrect personal information listed on my credit report. 
According to XXXX tracking, the letter was delivered to Transunion on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Transunion. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as mandated by the FCRA. 
I am including a copy of my dispute letter sent to Transunion and XXXX certified mail proof of delivery as evidence to support my claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

On XX/XX/2021 a check of {$5000.00} made to XXXX XXXX from XXXX  XXXX XXXX XXXX was fraudulently cashed at a US Bank XXXX XXXX XXXX. 

I have asked US Bank to reissue me the funds, they said they can not.
Product: Credit card or prepaid card

I HAVE A BJ 'S MASTERCARD THAT PAYS 5 % FOR BJ XXXX PURCHASES. I NOTICED RECENTLY THAT I WAS NOT GETTING ANY REWARDS FOR MY INSTORE PURCHASES AT BJ 'S. I CHECKED MY BILL AND FOUND OUT THAT I WAS NO LONGER GETTING THE 5 % BUT WAS GETTING 0 %. I CALLED CUSTOMER SERVICE AND THEY ADVISED ME THAT STARTING ON XX/XX/2022 THEIR SYSTEM WAS NOT BEING UPDATED BY COMMENTY BANK. NO ONE FROM BJ 'S MASTERCARD CONTACTED ME OR ANY OTHER CUSTOMER AND ADVISED ANY CUSTOMER OF THIS PROBLEM! DURING THIS TIME, I HAVE SPENT OVER {$1000.00} AND HAVE RECEIVED 0 % REWARDS POINTS! THE BJ 'S CUSTOMER SERVICE CLAIMS THE PROBLEM WILL BE FIXED BY THE END OF XXXX, YET THEY HAVE NOT ADVISE ANY CUSTOMER OF THE PROBLEM! I AM NOT SURE IF I WILL BE REIMBURSHED FOR MY LOST POINTS OR NOT! I AM CONSIDERING THE CANCELLATION OF BOTH MY BJ 'S MEMBERSHIP AND CREDIT CARD DUE TO THEIR DECEPTIVE ACTIONS! THEY SHOULD BE FINED FOR THEIR DECEIPT AND DISHONESTY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. I havent received a response or status on the investigation in the past 30 days! This is unacceptable and in violation with the FCRA. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach and XXXX XXXX data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX ( acct # XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Dispute of Collections and Charge-Offs on Credit Report : Dear TransUnion Consumer Solutions, I am writing to formally dispute certain entries on my credit report, specifically related to collections and charge-offs. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), particularly referencing 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1666b. 

The entries in question are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX Balance {$22000.00} XXXX. XXXX XXXXXXXX XXXX Acct # XXXX XXXX : XXXX XXXX Balance {$720.00} I believe that the information reported is inaccurate because the debt has been paid if it's a Charge Off. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to credit reporting agencies. If the information is found to be inaccurate or incomplete, it must be corrected or deleted.

Additionally, according to 15 U.S.C. 1666b, creditors must ensure that the information provided is truthful and reflective of the actual account status. As such, I request that TransUnion conduct a thorough investigation into these entries and remove any inaccuracies from my credit report.

I kindly ask that you complete your investigation promptly and inform me of the findings. Should the investigation confirm the inaccuracies, I request that you remove the disputed collections and charge-offs from my credit report and provide written confirmation of such action. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I paid off my loan and credit cards XX/XX/XXXX and it is not updated with the companies on my credit report with all credit bureaus as {$0.00} balance. They reported on XX/XX/XXXX on my new credit report that I have a balance. This is for both loans and credit cards. I called the credit bureaus and they did not update the info. 

Oneblinc phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX The amounts I paid are attached.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XXXX XXXX Capitol One credit card charged {$20.00} that is not mine. I provided all the information they required but they refused to resolve issue. I also tried to escalate the issue to corporate but customer service would not escalate. Capitol One 's customer service is the worst I have ever experienced. Very disappointed. The bottom line is this charge is erroneous and they refuse to correct the mistake.
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Product: Credit reporting, credit repair services, or other personal consumer reports

Application for car loan sent to several finance institutions.
Product: Credit card or prepaid card

My payment was due on XX/XX/XXXX and I made the payment at around XXXX MST. However, I was unaware that the payment needed to be made by XXXX XXXX Eastern Time, and I live 3 hours behind. Now I was charged a {$38.00} late fee which State Farm Bank refused to waive.
Product: Checking or savings account

Received letter from US Bank dated XX/XX/22, but of course it did not arrive until about one week later. 

Letter is attached, stating " Please be advised that we have elected to close your deposit account with us. '' Local branch is still open and has no clue. Normal deposits and they see nothing out of ordinary. 

US Bank has given a mere 10 days from date of letter, this is way to short and under time pressure to change autopays and deposits. I notified social security today and that can not update until XXXX payment, so appears my XXXX Social Security payment for my wife and I will bounce back and have some follow up to do on this. In addition, lucky for us our tax refunds posted, or bigger issue to have those bounced by US bank. 

Pretty poor notice and NO REASON. I feel there is discrimination of some kind as well as possible corporate abuse for closing accounts with poor notification timing to give customer time to change banks. Luckily we have another one to map over accounts, but even more pain if did not have another bank. These banks really have to be more conscious of consumers instead of their abusive language and unilateral terms to do whatever they want cause their terms say they can. 

I have attached most recent history for review. 

I am really concerned as no reason given in letter and local branch has no clue. It appears coming from corporate cost cutters- and super short notice which can cause many consumer major headaches for a Bank 's apparent unilateral terms without cause.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

to whom it may concerned while checking my most recent credit report i noticed unauthorized and fraudulent credit inquiries made by following companies XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX card XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report This is a violation of fair credit reporting act section 611 also their was a fraudulent alert attached to my credit file which seemed to be ignored by your company, and letters was sent with no response a attachment letter will be sentto show proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. XXXX, XXXX and TransUnion records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA : XXXX XXXX  XXXX Balance Owed : {$4000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXXL XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$4900.00}
Product: Checking or savings account

Fifth Third bank terminated all of my accounts in XXXX of 2021. 

I had called in with a transaction dispute concerning my debit card connected to my checking account. I explained a merchant had charged my card without authorization. 

I received a call back a few hours after submitting the dispute. I was told that they could not give any information, that all my accounts were closed. 
I called back a little while later to let them know I contacted the merchant and they were going to refund the transaction. Who ever I spoke with then said something did not seem right, and that they would call me back later after checking into the situation. I missed that call, it was around XXXX in the evening. 
I had no access to my accounts for about 5 days. I had been a customer for over 20 years. I had savings accounts, checking accounts, business account, and credit card account. 
I also had a previous dispute with my credit card account. I received a provisional credit, but that was reversed and charged back to my account. I am still disputing this. The charge was for a XXXX XXXX channel that a company was building for me. I never did receive the channel. 
After they charged my account again, they lowered my credit limit. 

Now my credit score has lowered significantly. Credit utilization for the account shows over 160 %. 

Also, after closing my accounts, they allowed auto payments to continue, so my account ended up in the negative.
Product: Payday loan, title loan, or personal loan

I was charged an outrageous amount of interest on a car repair loan. The original interest was not that high when I was rushed through signing the paperwork. I have paid them around {$1600.00} in 6 months for a {$1400.00} loan. They are charging ne XXXX  % in interest. I need help please!!
Product: Consumer Loan

I applied online for an installment loan and was approved for a {$2000.00} loan. Upon trying to get the loan they want me to put my car title up for collateral in which i disagreed. I asked for an unsecure loan. The branch manager in XXXX, OH denied an unsecured loan based on some derogatory past credit cards. The credits are not in my name and i am just an authorized user and they want to base thier claim on someone elses credit card history.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 1681 a ( 2 ) ( 1 ) under exclusions and15 USC 1681 s2 I feel my rights have been violated. 

I had a loan from the department of education to attend XXXX. After I had already been paying on the loan, XXXX recalled the loan from Department of education and sent {$2400.00} to XXXX XXXX for collection. 
I requested then and am requesting now a copy of the original loan. 
My loans is also reporting conflicting amounts on all three credit bureaus because of this. 

Trans Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Account number XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The mortgage agent XXXX XXXX was helping me to get my home loan to refinance since XX/XX/XXXX. I listed her personal information as list below : Professional Information Broker Address : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, CA XXXX Cell phone : ( XXXX ) XXXX Websites : Website Screenname : XXXX Member since : XX/XX/XXXX Real Estate Licenses : XXXX ( CA ) Other Licenses : XXXX ( Real estate and mortgage broker ) Languages : English, XXXX In the beginning, XXXX XXXX said she can get no point no fee for my home loan for XXXX with 2.75 % 30 years fixed. My loan process was almost closed and she said I can sign my paperwork on XX/XX/XXXX or XXXX, XXXX. However, on XX/XX/XXXX, she called me and asked me to pay her {$500.00} dollars cash for over 30 days loan process. If I don't pay for her she will have to terminate my loan process with Quiken Loans, LLC ( XXXX XXXX XXXX XXXX, XXXX, MI XXXX and my loan number XXXX ). If I don't pay her {$500.00} now, I have to wait for another 30 days later and restart my loan application again. I am not happy with that since she already took me over a month. I also gave her all my personal information and turn out to have to wait for another two months. She knew my current interest rate is 3.875 % which I will have to pay {$330.00} dollars more for each month. If I give her {$500.00} dollars, she can help me to close the case immediately. I search online that never and ever pay for the mortgage broker money because the lender will give her money when the loan closed. In order to avoid paying her, I have to restart the loan application with another new broker. My phone number is XXXX and my email is XXXX. If you have more questions welcome to call me.