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

I, XXXX XXXX XXXX, am filing this formal complaint against the unauthorized and fraudulent reporting of bankruptcy information on my credit reports by XXXX, Transunion and XXXX Unauthorized Reporting & Fraudulent Activity Bankruptcy courts DO NOT report or provide consumer bankruptcy information to credit bureaus. I have obtained and mailed certified letters from the bankruptcy courts confirming this fact. 
This is a clear violation of Rule 9037 and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), which restricts the improper reporting of consumer information.

NO ENTITY had my permission to place bankruptcy information on my credit report. This is fraud and must be corrected immediately.

Failure to Provide Proper Verification I called today to dispute this directly, and I was given the runaround with no valid explanation or proof of authorization for this reporting.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), credit bureaus must properly investigate any disputed information. This has not been done.

Immediate Demands & Legal Action Warning I demand the immediate deletion of all bankruptcy-related information from my credit reports with XXXX, XXXX, and TransUnion under FCRA 1681c .

If this is not corrected IMMEDIATELY, I am fully prepared to file a federal lawsuit for willful noncompliance under FCRA 1681n.

Final Notice I have already sent certified dispute letters regarding this matter. Failure to correct this issue will result in legal action and complaints with the Federal Trade Commission ( FTC ), XXXX XXXX XXXX ( XXXX  ), and my State Attorney Generals Office.

REMOVE THIS BANKRUPTCY IMMEDIATELYIT NEVER SHOULD HAVE BEEN THERE! 

Signed, XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail regarding debt that is not mine. The date of the letter is XX/XX/2021.
Product: Checking or savings account

I am writing to formally lodge a complaint against both XXXX XXXX and my credit union regarding a series of unauthorized charges and a lack of proper investigation into the matter. I believe my rights as a consumer have been grossly violated, and I seek your assistance in rectifying this situation. 

In early XXXX, I rented a vehicle from XXXX at the XXXX XXXX. Due to the impending XXXX XXXX, the desk clerk appeared overwhelmed, which may have contributed to significant errors in processing my rental agreement. Notably, the contract inaccurately identified me as the holder of a Texas drivers licensesomething I have never possessed. Despite this confusion, I provided my debit card for payment, which was swiped for an initial charge of {$310.00}. 

Upon returning the vehicle as scheduled, I heard nothing from XXXX for two months. To my shock, they later processed an unauthorized charge of nearly {$1000.00} against my account using the initial authorization from XXXX. This transaction was allowed to go through by my credit union on a locked debit card that does not permit overdraft protection, resulting in an overdraft of {$1000.00}. 

I promptly disputed this charge on XXXX XXXX day it was postedalerting my bank that my card had been compromised and that I had not authorized this transaction. However, rather than conducting a thorough investigation as mandated by Regulation E, my bank denied my claim within less than one day based solely on the presence of the card during the initial transaction. 

This response is not only contrary to federal guidelines but also factually incorrect. XXXX did not obtain any further authorization beyond the original swipe for {$310.00} ; thus, their attempt to charge me an additional amount XXXX months later is unfounded. The bank 's fixation on a minor detail while neglecting their obligation to investigate has compounded this issue. 

The failure of both XXXX XXXX and my credit union to uphold their responsibilities has caused me considerable financial harm and distress. It is imperative that these institutions be held accountable for their actionsor lack thereofand that I am reimbursed for this unauthorized charge. 

I respectfully request your intervention in ensuring that my credit union follows federal law by conducting a proper investigation into this matter and rectifying their error in allowing an unauthorized charge to post against my account. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in recovering my funds
Product: Credit reporting or other personal consumer reports

This is not my account and was open due to fraud. 
Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX  Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/year> Status Open/Never late. 
Status updated XX/XX/year> Balance {$23000.00} Balance updated XX/XX/year> Recent payment {$590.00} as of XX/XX/year> Monthly payment {$490.00} Original balance {$26000.00} Highest balance - Terms XXXX  Months
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off my challenge letters to validate debt owed and was not notified of incorrect information on my report. 

I mailed off on XX/XX/2022
Product: Debt collection

Car was taken, was told I could pay it off but overcharged and attempted to sue me for erroneous amount and shows on my credit report incorrectly.
Product: Credit card or prepaid card

I have been attempting to get added a s Power of Attorney to my father 's Capital One credit card accounts. Please rea d the following letter which describes everything.     Dear  Capital One Custom er Care Team : In your letter dated  XXXX   XXXX , you indicated that Capital  One  will not add me as Power of Attorney ( POA ) to my father 's account ending in  XXXX . My father suffers from   XXXX   XXXX    XXXX . In your  XXXX   XXXX  letter you requested my SSN/tax ID and total annual income. I responded by requesting a copy of  Capital Ones written policy regarding the privacy of Power of Attorneys. I also explained that attempts made by Capital One via email or phone to contact my fath er directly would be ill-advised as he is suffering from the recent, unexpected loss of his only son.     I have still not received a copy of any written policy regarding the protection of POAs privacy. And, on  XXXX   XXXX , a  Capital One representa tive called and attempted to speak with my father.     Now, for the SAME account ending in  XXXX , we have received ANOTHER letter dated  XXXX   XXXX  with a DIFFERENT case number, directing us to send the paperwork you requested the first time around all over again.     Please check your records. Add me  as POA to my father 's Capital One ac counts so that I can help him.
Product: Debt collection

This company was calling every day for the better part of a month. I can not /will not answer phone calls concerning personal debts while in an office. There have been instances of later phone calls and weekend calls as well, which is completely unprofessional and serves as harassment. Last week, I answered and immediately told them to stop calling. They continued to call XX/XX/XXXX ( XXXXXXXX XXXX  ) and XX/XX/XXXX XXXX XXXX XXXX ) ; each time, I repeated my request to stop calling me. On the last occasion, I told them I was going to report them. 

The calls did not come in Monday or Tuesday of this week but I received one at XXXXXXXX XXXX  yesterday. This company has not sent me a single piece of paperwork to identify themselves and who they are working for.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have noticed fraud account on my Credit file and Consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance XXXX XXXX Monthly payment - Additional XXXX XXXX XXXX Account XXXX XXXX Company sold - Original creditor - Comments COLLECTION ACCOUNT ACCOUNT CLOSED BY XXXX XXXX Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number ( XXXX ) XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My information was included in a data breach in XXXX XXXX XXXXXXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : possible financial {XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}.
Product: Debt collection

Did not receive any notification from Stellar Recovery about a debt collection that suddenly appeared on my credit report. I have no idea what it is for, I have been provided no opportunity to dispute or satisfy any debt collection action prior to it simply showing up on my credit report that I monitor constantly. I have been building my credit steadily over the past few years and this wiped almost XXXX points off of the estimated score, which directly affects my ability to pursue financing for my small business and personal necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date.  Experian has been provided with XXXX report reflecting corrected information in response to identity theft.
Product: Credit reporting or other personal consumer reports

I just reviewed the copy of my credit reports and It seems that there are inaccurate and unauthorized inquiries reporting. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results
Product: Credit reporting or other personal consumer reports

Consumer Name : ( 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 XXXX, XXXX, Equifax 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 a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4500.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$730.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, affirm Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} 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 ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The XXXX XXXX  XXXX XXXX that is on my credit report is not supposed to be on my personal credit. It was a business account. Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal? Ive disputed this account 4 to 5 times on XXXX and Equifax, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed ASAP
Product: Consumer Loan

Purchased vehicle XXXX XX/XX/XXXX from Drive Time located in XXXX Florida due to having no established credit. XXXX of Drive Time 's key selling points is that they reported to ALL XXXX credit bureaus monthly and this would help to establish, build credit history & rating. Payments were & have been being made as contract specified. I created a XXXX account a few months ago to keep track of credit and realized that Drive Time had stopped reporting my payments since XXXX XX/XX/XXXX. This caused my credit score to drop significantly. I immediately contacted Drive Time concerning this issue and was told there is a glitch in there reporting system to the credit bureaus. I stressed to Drive Time that this issue was causing a derogatory reflection on my credit. Drive Time stated they would hopefully have the issue corrected within 30 days. I filed a complaint with the BBB on XXXX/XXXX/XX/XX/XXXX located in Arizona where Drive Time 's corporate office is located. I have yet to hear from the complaint and it has been over a month. Drive Time did finally report to XXXX a partial payment history reflecting til XXXX XX/XX/XXXX but did not report to XXXX and I 'm not sure about XXXX. The payment history is missing for XXXX XXXX XX/XX/XXXX thus this is still affecting my credit score. Drive Time has not made an effort to contact me in regards to the complaint filed. I believe that I was given false advertisement & sales practices. I would like a representative of Drive Time to contact me in regards to this serious issue and resolve this matter immediately. I have been working very hard with building my credit & this issue has caused unnecessary time & financial stress.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I hope these disputed items will be fixed as soon as possible. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I purchased a giftcard balance on my XXXX account using my debit card through Bank of America. The amount of the giftcard balance purchased to be added to my XXXX balance was {$1200.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe this credit reporting agency has taken advantage of me. I AM VERY UPSET that they have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted ASAP. This company has negatively affected me, and this is unacceptable to me as the consumer. 

These are the items I have been demanding to be deleted! 

15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXXXXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activiy is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

In XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX, TX sent a claim to Fair Collections and Outsourcing ( FCO ) stating I owed them over three months of rent and utility/amenity fees in the amount of {$6200.00}. I provided proper notice of my move out 60 days prior and handed my keys to the property manager on my move out date. Without any a prior notice, I receive a call from stating that I have this outstanding debt and that this will appear on my credit report in a matter of weeks. I have attempted to contact the leasing agency who has been unresponsive and no notice or time to dispute this debt before it went on my credit report. I have filed a lawsuit in civil court for breach of contract and failure to deliver my security deposit back.
Product: Credit reporting or other personal consumer reports

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

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late purpose.
Product: Credit card or prepaid card

I have a XXXX XXXX MasterCard that has larger balance on it. We were approved for a credit card with XXXX XXXX that had a promotional 0 % interest on balance transfers for a year. Perfect by not dealing with interest we can easily pay off the balance. The balance transfer, {$4700.00}, was approved on XXXX XXXX XX/XX/XXXX. Today, XX/XX/XXXX, I checked and that amount has not been applied to the XXXX XXXX card. When I contact the company I am being told it could take up to 4 weeks to be applied. I have transferred balances in the past and NEVER had this issue with other companies. So even though XXXX XXXX has been paid I am still paying interest on a balance that should not be on that card any longer.
Product: Debt collection

original complaint XXXX # XXXX have tried to contact with Synchrony bank XXXX XXXX constant stall tactics. Now XXXX XXXX XXXX is suing me.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX has violated my FCRA RIGHTS ( DELETE ) All Non account Holding inquiries as i did not authorize permission victim of identity theft Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( DELETE ) All Non account Holding inquiries XXXX XXXX XXXX XXXX