23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

With a agreement attached we the Landlord as well the Courts agreed to retract said debt and I don't owe such and promised for this collections to come off my record
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint on XXXX, XXXX and TransUnion about an item on my consumer report that, by law, should not be reported. These institutions are currently reporting an item, and I would like to address it. On XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report.

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that TransUnion, XXXX and XXXX cite the specific law that requires them to report a transaction as a late payment. 

The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. 

I am requesting that XXXX, XXXX and TransUnion provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. 

Furthermore, I have attached documentation from XXXX XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. 

I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) .This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
National Public Data 2.7 Billion Records The biggest breach of the year XXXX involved a hacking group claiming to have stolen 2.7 billion personal records, affecting nearly every United States, XXXX, and the XXXX XXXX XXXX. The stolen data includes U.S. Social Security numbers, with some information already leaked on the dark web. While experts are still analyzing the scope of the breach ( since there are far fewer than 2.7 billion individuals in these three countries ), its likely that most, if not all, Social Security numbers have been compromised. 
XXXX XXXX XXXX XXXX Million Records Hackers breached XXXX XXXX XXXX XXXX, compromising the data of 73 million current and former customers. This breach included sensitive information such as Social Security numbers, account details, and passcodes. Most alarmingly, much of the exposed data dated back to XXXX or earlier and was discovered on the dark web in XX/XX/XXXX. This marks the second significant attack on XXXX XXXX XXXX in recent years, following a XXXX breach affecting nine million customers.
Product: Credit card or prepaid card

Dear XXXX, I am writing to file a complaint against XXXX  XXXX XXXX  Card for XXXX unprofessional and unethical practices that I experienced during my recent interaction with their customer service representative. 

On the day of XX/XX/XXXX, I was purchasing an air ticket online, when I came across an advertisement for American Advantage Card, which stated that by enrolling in their program, I would receive a discount of {$200.00}. I accepted the offer and bought the ticket, after which I realized that the card was charging an annual fee. 

I immediately cancelled the ticket and contacted the XXXX XXXX Card company to cancel my enrollment, to which they assured me that the card will be cancelled. However, I continued to receive emails from the company regarding payment of the annual fee. I called again on XXXX, XXXX. They said the card was cancelled. 

After several attempts to resolve the issue over the phone, I spoke with the manager today ( XX/XX/XXXX ) who was extremely rude and disrespectful. He refused to waive off the membership fee even after I explained the situation and hung up the phone without any explanation. 

I understand that many people may take advantage of the {$200.00} discount and then cancel, but that was not the case with me. I cancelled the ticket and immediately contacted the company to cancel the membership, and yet was still charged for an annual fee. 

I request that the company refund me the annual fee, as I was misled into enrolling for their card. Moreover, I urge XXXX XXXX XXXX to re-train their customer service representatives to be more respectful towards customers and avoid being dismissive of their concerns. 

Thank you for your time and attention to this matter. 

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

I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking Experian, XXXX, and XXXX  to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to Experian, XXXX, and XXXX  showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I listed an XXXX XXXX gift card - worth {$100.00} - for resale on the site XXXX, for a price of {$82.00}. This gift card was sold on the XX/XX/XXXX, and I received an email from XXXX  on the XX/XX/XXXX with the information that my check for {$82.00} had been sent. I never received a check from XXXX, and multiple requests for information and assistance concerning my situation have been ignored up to and including the present date of XX/XX/19
Product: Credit reporting or other personal consumer reports

Transunion is refusing to remove unauthorized inquiries that were made while I was in the hospital without my authorization. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The other credit reporting agencies helped me but Transunion has refused to remove the inquiries.
Product: Credit reporting or other personal consumer reports

I never gave any of these companies my information This is illegal DELETE ALL COLLECTIONS
Product: Debt collection

I received a negative mark on my credit from a company called Sunrise. I have never received notification from them before. The description states its for XXXX XXXX, which is my current cell company and I have never missed a payment. This has caused significant damage to my credit score. I dont know what this debt is for. There are requirements with regards to notification which I never received.
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b )
Product: Debt collection

I received A letter dated XXXX/XXXX/XXXX from Midland Credit Management XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
The letter stated : MCM Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Balance of $ XXXX contacted XXXX XXXX XXXX XXXX Bank XXXX since that is the only dealings I 've had with XXXX Bank I spoke with XXXX XXXX XXXX and learned I had a balance of {$1300.00} from XXXX XXXX, which was turned over to Midland in XXXX XXXX. I contacted Midland at XXXX and spoke with XXXX. He informed me I could be sued if I did not pay. He offered me a 40 % of {$2300.00} which I informed him I did not have. He continued harrassing me until I finally hung up the phone. 
This is an old debt that was written off. My credit is suffering because the collection company is keeping it on my credit reports.
Product: Credit card

This Credit Card was opened without my knowledge. At the time I did not have a credit score to even get approved for a credit card. This card was opened with an {$11.00} limit which I certainly would not get approved for. I have sent several letters to have this removed from my credit report it keeps showing as an account in collections. I did not open this account. They can check how the account was open. Please see who they applied for this card online or from a device that was not mine. I tried to open a bank account and I want to file a complaint they opened my checking account then also closed it for no apparent reason also tried to open a business account with chase. I had someone open a chase fraud check in my account went to jail found out it was not me I was in jail on probation and later the charges were dropped. I need this removed from my credit report from all XXXX bureaus and I want to have my checking account back reopened. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and an FCRA violation. XXXX XXXX XXXX  # XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please remove this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act " Self Lender Financial '' ( Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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 was going through my records & noticed many information or items that do not belong to me Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer 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 consist of a Collections accounts. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the Collection Accounts in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}
Product: Student loan

My loan servicer is MOHELA and I am enrolled in the income-based repayment ( XXXX ) plan. My annual recertification of income date on the MOHELA website shows XX/XX/XXXX. I received messages from MOHELA on XX/XX/XXXX informing me that my recertification was upcoming. On the Department of Education website XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) it specifically states that if your recertification deadline falls in the six month period after payments resume ( XX/XX/XXXX ) then your recertification date will be pushed out 1 year. I sent a message to MOHELA on XX/XX/XXXX requesting that they correct my recertification date to reflect this information from the Department of Education. They responded on XX/XX/XXXX with this message : " MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. 

In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. We need additional information as it pertains to responding to your question. Please call toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX  Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, MOHELA '' I called them on XX/XX/XXXX, and the customer service representative denied that this was accurate and incorrectly continued to state that my recertification anniversary is XX/XX/XXXX and that if I do not recertify by XX/XX/XXXX that my monthly payment would automatically increase.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unauthorized inquiries that have appeared on my credit report. Despite my diligent efforts, including multiple written letters and numerous phone conversations with representatives from the credit bureau, these inquiries persist without resolution. Not only do these unauthorized inquiries cast doubt on my financial integrity, but they also impede my ability to achieve my goal of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy of the information in my credit report. These unauthorized inquiries must be addressed and promptly removed by the provisions outlined in the FCRA. 

The following unauthorized inquiries must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX These unauthorized inquiries misrepresent my financial standing and unfairly obstruct my ability to secure a home loan, which is essential for my financial stability and independence. 

I kindly request your assistance in advocating on my behalf to ensure the timely removal of these inaccuracies from my credit report. Your support in navigating this matter and upholding my rights under the FCRA is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing today because I have noticed some inaccurate information on the balance of my XXXX XXXX XXXX XXXX. This balance is reporting incorrectly on my credit report and is negatively impacting my score due to it increasing my utilization rate to 77 %. As stated on my billing statement my building cycle was from XXXX to XXXX, and showed my balance at the end of my billing cycle to be {$150.00} ; however your company is reporting that my balance was {$380.00}. This was updated on TransUnion on XXXX. This mistake violates my consumer laws under the Fair Credit Reporting Act. 

The account number is XXXX, my XXXX is XXXX, and my XXXX XXXX XXXX is XXXX. I have also enclosed all the doucement verify my identity and showing proof that this account is reporting incorrectly on my credit reports. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case you have not ensured maximum possible accuracy. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 According to the FRCA if an account is not reporting accurate information to my credit report, I have the right to get this account deleted. Please delete this negative and inaccurate account from my TransUnion credit report.
Product: Credit card or prepaid card

Summary : Requesting refund of {$1700.00} for a XXXX XXXX XXXX 4-pax flighXXXX booking paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX via my First Hawaiian Bank ( FHB ) XXXX XXXX XXXX XXXX Mastercard, under Mastercard 's Purchase Assurance and Trip Cancellation terms. The flight and all subsequent flights were cancelled due to COVID-19 and XXXX XXXX has since filed for the equivalent of U.S. Chapter 11 bankruptcy. FHB rejected the credit request claim. 

Per FHBs instructions for resolution directly with the merchant, on XXXX a credit account ( not refund ) was issued by XXXX XXXX ; then with the assistance of the U.S. Department of Transportation, onXX/XX/XXXX XXXX XXXX approved a full refund of {$1700.00}, but on XXXX XXXX X sent an email communication stating that it ceased operations and is going through the XXXX courts for credit restructuring, the equivalent of a U.S. Chapter 11 bankruptcy filing, and customer refunds are part of the restructuring. 

On XXXX a credit card transaction dispute was filed with FHB. On XXXX, FHB rejected the transaction refund request on grounds that the 60 day notification period had passed since the XXXX and XXXX notification. This is contrary to the facts that it would have been impossible to file a written complaint within 60 days of the transaction since the flight was scheduled on XXXX and following FHB 's instructions, earnest attempts were made to first make resolution with the merchant before filing a written complaint.