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. 

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Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of identity theft. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which mandates the removal of fraudulent accounts resulting from identity theft upon consumer request. 
The fraudulent inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  To Whom it may Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on different credit reporting agencies for my consumer portfolio service account. 

Its showing 30 days late but I have documentation of payment with confirmation number below are 6 months of payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made a mistake in allowing automatic payments which the system didnt pull t I want you to know that I understand my financial obligations, and if it werent for fighting XXXX XXXX and got overwhelmed with everything, I do know that the automatic payment didnt pull the XXXX payment and I noticed 5 days after and paid it. I paid twice in XXXX as well to get ahead. If I paid on XX/XX/XXXX than it shouldnt be on my record saying Im 30 days late. I have all documentation showing pay dates. I was never late more than 30 days as it shows. 

My request is I am promised accuracy in my report based on federal law. I am making this cause an attempt to have these errors corrected on my consumer report under 15 USC 1681. All verified information must be promptly removed. As you can see in your system, you did not verify this information and validate it, so I request that you remove it. 

Thank you for your consideration
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A - states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 166b - A creditor may not treat a payment on a credit card account Under an open and consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

TransUnion disregarded my rights and continues to violate federal law. I reviewed my credit report and, despite multiple disputes, TransUnion is still reporting the unauthorized XXXX account ( Account # : XXXX ). This is beyond frustrating. How many times must a consumer dispute the same fraudulent account before TransUnion fulfills its legal obligations? XXXX investigated and removed this account on XX/XX/year>2024, after confirming it was unauthorized and improperly reported without my consent. XXXX never reported it at all. Yet, TransUnion REMAINS THE ONLY BUREAU REFUSING TO COMPLY. Why is it that XXXX and XXXX respect consumer rights, but TransUnion does not? This is not a simple mistakethis is a clear and willful violation of the Fair Credit Reporting Act ( FCRA ). TransUnion is knowingly violating multiple provisions, including 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, 15 USC 1681b for reporting an account without a permissible purpose, 15 USC 1681i ( a ) for failing to conduct a reasonable reinvestigation, and 15 USC 1681c ( a ) ( 4 ) for continuing to report inaccurate and outdated information. If TransUnion were following the law, this fraudulent account would have been removed long ago. Instead, the company is knowingly allowing false and damaging information to remain on my reportdespite repeated disputes. This is not just negligence ; this is willful noncompliance.
Product: Credit reporting or other personal consumer reports

I took a look at my credit report and seen a lot of inaccurate information, I'm intitled to a 100 % accurate credit report! I personally sent my letters over 60 days ago to TransUnion, XXXX, and XXXX. They only responded with stall letters and did not do any investigation on the accounts on my credit profile which I requested. Credit bureaus have 30-45 days to respond. I need all the inaccurate and unverified removed from my credit report immediately
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. As a victim of a data breach, these accounts were not authorized by me and must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My complaint stems from confusion about a letter received by the bank. I am struggling to make my mortgage payments as XXXX  has impacted me physically and financially. I applied and have been approved for the NYS HAF program with the assistance of the local Belmont Housing Services. I received a letter dated XX/XX/2023, from the bank regarding the program but was conflicting as to payments. The bank advised they would handle any mortgage payments sent to us while regular payments are being made through the HAF program. Subsequently, it stated to remain in the program I must continue to meet eligibility criteria and comply with my agreement. Further, the letter states mortgage payments are not required to be made to Bank of America which I had been doing so.
Product: Credit reporting or other personal consumer reports

In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
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XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA HARD INQUIRY on my credit report for XXXX on XX/XX/. The inquiry was not made by me. I tried to call Bank of America several times to resolve the issue. XXXX asked me to get a letter from Bank of America regarding the inquiry. Apparently, Bank of America has resolved the problem at their end with no letter to me to present to XXXX. Called XXXX again and explained the whole situation and they tell me they can not delete as well until I report the issue with FTC. This inquiry is causing a decrease in my credit report which I did not make.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam call on XX/XX/2023 from the number ( XXXX ) XXXX at XXXX, then at XXXX by someone named " XXXX XXXX XXXX XXXX who claimed to be an authority from a precinct. 

He told me that my name and social security number were involved in an identity theft. It was a very elaborate phone call, and I was even told not to disclose any of this information to any family member or close friends, and to stay in an enclosed room while listening to him. 

I was later instructed to download the XXXX messaging app, so that the " Social Security Office '' from number ( XXXX ) XXXX, can text me information on the wire transfers that I needed to make. 

The international wire transfer was completed at XXXX on XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ) in the amount of {$57000.00} + {$50.00} transfer fee. This happened while I was still on call with the scammer, and this amount was sent to the following recipient that I was instructed to send to : Recipient Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Chase wire tracking number : XXXX It was wired from my personal checking account at Chase. 

I sent a photo of the receipt and the front of my driver license to the " Attorney General Office '' on XXXX, as they instructed me to ( I later deleted the photos for both their end and mine, but this might have been too late already ; they might have already stored that information somewhere ). 

I realized it was a scam after almost completing a domestic wire transfer at Chase on XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX, the banker there, tried helping me dispute/recall the international transfer. 

I have already went to the original Chase branch to continue following up on the recall and case # that I was provided with. I have done everything from sending secure messages through my Chase account online to in-person follow-ups to filing a police report at the precinct. However, the back-end Chase representatives were very inadequate at combating this fraud/scam case, and I can't imagine how much worse it is for the more vulnerable and elderly individuals who get their retirement funds/life savings, and funds from the death of loved ones away. 

I highly hope this complaint will lead to actions that yield actual results. 

Thank you, XXXX
Product: Payday loan, title loan, or personal loan

I took out a payday loan almost a year ago. Advance America has been harassing me via phone for 2 months. They call from different numbers or even their personal cell phone numbers and call from out of state numbers. Multiple times per day impending my job.
Product: Debt collection

XXXX XXXX  XXXX is calling me repeateddly leaving me messages. I called them back and they are harrassing me over my sisters supposed debt. She does not know who they are and they say I am listed on the contractual agreement and that is why they can call me to harrass me about her debt. They said they were contacting me to give my sister their number but before I called them out they were leaving messages as if it were my debt and they wanted me to pay it. There is no such debt nor contract with my name on it. I have never signed a contract with my sister as a secondary party to anything in my life. They will not send me or rad me the contact. Pure harrassment!!!!
Product: Checking or savings account

To whom this information may concern, I XXXX XXXX XXXX, applied for unemployment on XXXX XXXX but they told me my claim was denied.I continued making my payment request biweekly hoping the decision would change then I received a letter stating they needed to ask me more questions in order to make a decision on my case.So I took the necessary steps to complete this request. I was directed to go and verify my identity which took up until XXXX XXXX for me to complete.I.D ME sent results to T.W.C and they told me my card had been request throughout XXXX XXXX XXXX and it would take up to 5-7 business days. 

Today is XXXX XXXX and no bank card ever arrived and id reported to t.w.c and id me that my personal information had been stolen .I called the unemployment office to see what was going on and she confirmed that t.w.c had paid my {$4200.00} on that card and this is on XXXX the day I contacted this company about my account First of all I'm a XXXX male and they think its a female but clearly I'm a man. they allowed a unknown person to activate my account and use my money.no verification the person used all my in formation with out my permission.teh phone number I used for this account has been disconnected since the 9thmonth 2022. I also used a friends address to file my claim but this was only a mailing address, because I've been homeless since last summer and I been living in the XXXX area parks and no phone to contact anyone due to no phone access I wrote this company and I've complied. they can't show u XXXX time I've ever used this account never seen a card can't tell u what it look like. last but not least the agent told be the account had been blocked and I verified the trans actions which is a lie because I know of no card, instead they unblocked my card for a total stranger. They should've request i.d and selfie like they had me do and they denied my provisional credit but can't show me in use of this card at no time and I'm home less on the streets due to all this fraud and the u.s bank isn't protecting your money like they claim to please help me get my money returned please this is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : JPMCB AUTO - Date of Inquiry : XX/XX/2023 - Reported By : XXXX - Creditor/Institution : JPMCB CARD - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 
Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX # XXXX -- {$22000.00} XXXX XXXX XXXX XXXX XXXX # XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XXXX # XXXX -- {$350.00} XXXX Closed Accounts : XXXX XXXXXXXX # XXXX ( late payment ) -- {$450.00} XXXX XXXX XXXX XXXX # XXXX ( charge off ) -- {$220.00} XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXX several times and no resolution they refuse to remove this account that is not mine and never given type of consent for any account to open in my name I did a police report and ftc report to report these fraudulent accounts I'm constantly dispute this account because it not mine I think that identity theft is a serious situation and the fact that i been battling this for months and this so ridiculous. I'm a victim of identity theft and taking the necessary step to report it but what happen when you submit documentation and still no resolution. IM REQUESTING ALL DOCUMENTATION SIGN THAT CONSENT TO ANY KICKOFF ACCOUNNT BEING OPEN IN MY NAME WITH ME GIVING THAT CONSENT I HAVENT RECEIVED THAT YET
Product: Debt collection

I sent them a letter by mail on XX/XX/year> requesting this information to be removed from my credit report. 

Dear Exter Finance I am writing to formally request the removal of an account from my credit report that has exceeded the seven-year reporting limit as mandated by the Fair Credit Reporting Act ( FCRA ). The account in question is listed under my name with the following details : Please provide proof of when this account was open in my name and when it will be removed due to the FCRA law. 

Upon reviewing my credit report, I noticed that this account has been incorrectly reported beyond the allowable reporting period. According to the FCRA, negative information must be removed from a credit report after seven years from the date of the first delinquency. I kindly request that you investigate this matter and remove the account from my credit report at your earliest convenience. Please send me a confirmation once the account has been removed. Thank you for your attention to this matter. I look forward to your prompt response. 

I also sent supporting documents with my proof of mail and phone number and email and havent heard back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX account # XXXX opened XX/XX/2023 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Prepaid card

I put money on RushCard, my entire paycheck, and a few days later my card was declined at the store. I knew I had the funds so I called them to find out what the issue was. The money was there but without my permission or knowledge, RushCard blocked my card. This is something they claim ca n't be undone. I had to wait to be sent a new card and in the meantime, no money. Nothing. I get XXXX cards delivered and they ca n't activate either after being assured by a supervisor that activation would n't be an issue. Time it takes to notify corporate to manually activate a card? A few BUSINESS days ( the exact number dends on whow i talk to ). While I wait, my card remains blocked. While they try to figure out THEIR issue, they still refuse to unblock my card. They have the most non-caring, ignorant cust srv reps that I have ever encountered in my life who ca n't half speak or understand XXXX. They apologize, that 's it. That. Is. It. Escalated issues are not handled there but at corporate office and you ca n't find a phone number or address or get it from the cust srv. They give you an email address, not to corporate, it goes back to them. It is scary that people that essentially steal money are allowed to do business in this country. As of today, I still do not have access to my own money. When I call, I continue to get the run around and the number of different updates I 'm given on my account depends on the number of representatives I talk to. I need my money for groceries, bills, gas and no one should have the right to put me in a position where I ca n't pay my bills and access the money I worked for. RushCard caused this situation, as well as others and as usual they are n't doing a thing to rectify it and THOUSANDS of others will and have experienced thsee same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported late payments on equifax credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with XXXX rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. 

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave XXXX permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later XXXX dropped my score, XXXX did not ; who knows what Experian has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last XXXX of XXXX, 3 years later out of the blue once again XXXX dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; XXXX did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX.com I now see that XXXX has followed XXXX and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since XXXX.