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

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX
Product: Checking or savings account

am writing regarding an issue encountered while attempting to open a new checking account. 
I was surprised to learn of adverse entries on my ( XXXX or XXXX XXXX ) record. 
Throughout my financial history, I have consistently strived to maintain a positive standing, and to my knowledge, I have no record of insufficient funds or any other circumstances that would warrant such negative remarks. 
In light of this situation, I kindly request a detailed copy of my ( XXXX or XXXX XXXX ) report to verify its accuracy. This request is in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which entities consumers to access all information in their file upon request. 
Furthermore, I wish to dispute the negative entries mentioned. As outlined in Section 611 of the FCRA, 15 U.S.C. 16811, I am entitled to challenge the accuracy or completeness of any information in my file. If discrepancies are found, I request a prompt investigation and correction, along with an updated copy of my ( XXXX or XXXX XXXX ) report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to respond to my credit report dispute within the 30-day period required by the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to Experian, challenging inaccurate items on my credit report. A copy of this letter is attached for your reference. Under the FCRA ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ] ( https : XXXX ) ), Experian is obligated to investigate and respond within 30 days. As of today, XX/XX/year>, I have received no response, which violates my rights under the law.
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 USC 1681. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

I have disputed these inquiries numerous times. I do not have a contract with any of these companies. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from identity theft. This must be done within four business days, and the furnisher ( s ) of the information must be promptly notified. 

To block information under Section 605B, a consumer may need to provide the following : Proof of identity A copy of an identity theft report Identification of the information A statement that the information is not related to a transaction by the consumer
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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 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 months that are reported late 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 XXXXXXXX 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

After having my personal papers stolen, I now have countless inquiries on my credit report which were not initiated or authorized by me. I have sent letters out to the various credit bureaus and now find it apropos to make official complaints as I am being violated. Included in this report will be screenshots of the companies who have inquired about my credit status without my consent or knowledge with the major 3 bureaus. However the screenshots in THIS report will reflect inquiries on my TRANSUNION report. Also enclosed is my FTC report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding TransUnions Deletion of Positive Rental Account Dear Sir/Madam, I am writing to formally file a complaint regarding the actions of TransUnion in handling my credit report. Recently, I noticed that TransUnion removed a positive rental payment account from my credit report without proper justification. This account, reported under [ Account Name : " XXXX '' or specify the exact name if listed differently ], demonstrated a perfect payment history, with all rent paid on time. 
The deletion of this account not only misrepresents my creditworthiness but also resulted in a significant drop of XXXX points in my credit score. This action undermines the accuracy and fairness of credit reporting, which is a direct violation of 15 USC 1681, specifically the requirement for accurate and complete reporting. 
TransUnion 's actions are consistent with a troubling trend Ive observed with XXXX XX/XX/year> and XXXX XX/XX/year>, where positive accounts are deleted from consumer credit reports, causing undue harm to consumers ' credit scores. Such actions negatively impact my financial standing and trust in the credit reporting system. 
I kindly request the CFPB to investigate this matter thoroughly and ensure that TransUnion reinstates this account promptly. Additionally, I urge you to take appropriate measures to prevent similar issues from occurring to other consumers. 
For your reference, I have attached evidence of the account details and payment history before its removal. I am available for any further information or documentation needed to assist with this investigation. 
Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to address this issue effectively. 
Sincerely,
Product: Credit card or prepaid card

I filed a dispute with capital one on XXXX informed capital one that I am disputing their claim.moreover I requested that capital one supply me with copy of the contract with my authentic signature.capital one never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars.
Product: Credit card

I began contacting Barclay/Juniper for an account I had in XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Barclay/Juniper ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did wIe miss or was I late on a payment. Barclay/Juniper, along with several other credit card providers, discovered the bankruptcy, in which I did NOT include any credit card debt I owed, and started slowly increasing the interest rate. After several years of paying the invoices I discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Barclay/Juniper did not. I quit paying on the card and continued to demand a refund, which would have resulted in me owing nothing on the card. In XX/XX/XXXX, when the write-off showed up on credit report, I began writing Barclay/Juniper, the credit reporting companies and eventually a collection company that contacted me about the debt in an effort to have the charge off removed from my credit report ( see attached letters ). Along with the letter I provided a spreadsheet showing each invoice from the beginning of the account, when it was paid ( to show they were not late ), the interest listed on the invoice and paid, the amount of interest that should have been invoiced and the amount of overpayment ( see attached ). I also requested information that was outlined in the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. 

My wife had a Barclay/Juniper card and had the same problem. Her debt was eventually sold to XXXX and a similar letter and spreadsheet was provided showing she did not owe the debt. XXXX immediately relinquished her from the liability and removed the debt from the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report from XXXX XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. XXXX Never responded and the other two credit bureaus never deleted the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX site keeps trying to get personal loans in my name, and I want them to pay a fine to me for consistent fraud attempt this is the second time this website has done this, I NEVER signed up for prosper at all, so they need to delete all my information on the site, Im Not Sure What Going On With Transunion, because in the letter, they keep saying transunion ALLOWED it to happen. I just want justice they tried this stuff on me real late at night so I wouldnt notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never eligible to receive a credit card before till recently yet on my XXXX XXXX it says I have an open account with CBNA since XXXX XXXX, 2017. I 've never heard of that bank ever and I got a phone call saying I have a {$3000.00} debt to pay off but when I told the operator I had no debt or card with that problem he hung up on me. Immediately I was suspicious of the situation. The pictures below show I have a XXXX XXXX card that I just got approved for and the other is the cbna which I have no idea about.
Product: Mortgage

I sent in my XXXX paperwork to Caliber Home loans. I continue to get letters saying that they need all the required documentation. When I asked what specific documents that still needed they continue sending the same letters asking to get the required documents. I currently do n't know what the status of my mortgage account is after requesting to start paying on account to get current again.
Product: Credit reporting or other personal consumer reports

I would like to place a Fraud alert in my account. Someone has been attempting to obtain a car loan under my name and its frustrating. Please have any company call my number XXXX before running or opening any accounts under my good name. Inquiries were the following : 1. XXXX XXXX XXXX ( XXXX XXXX  ) 2. XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/ ) 4. XXXX XXXX ( XX/XX/ ) 5. XXXX XXXX acceptance finance ( credit was run 4 times by this company XX/XX/ ) Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry-XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Arizona, XXXX XX/XX/2024 Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Unauthorized Information Reporting under 15 USC 1681 Dear Equifax, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. According to my review of the report, certain information has been furnished and disseminated without my written consent, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

I have never provided written consent for Equifax to furnish my personal information or obtain my credit information. As such, any reporting of my personal and credit information by your agency is unauthorized and violates my rights under the FCRA.

I am formally requesting that you investigate this matter and remove any unauthorized information from my credit report immediately. Additionally, I request that you provide me with a written explanation of how and when my personal and credit information was obtained and furnished without my consent.

Furthermore, I would like to exercise my rights under the FCRA to obtain a free copy of my credit report from your agency. Please provide me with the necessary information and instructions to obtain this report.

I expect a prompt and thorough investigation into this matter and a timely resolution of the dispute. Failure to comply with the FCRA and address this issue satisfactorily will result in further legal action. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by law. 

Sincerely, XXXX XXXX
Product: Debt collection

hello keep getting phone calls but the caller will not tell me the name of the debt collection company instead keep stating this is a personal financial matter are you ..my name.. i refuse to tell them due to they refuse to identify the company they represent and calling from a private number there fore i can not call them back. at least 10 phone calls sometimes call me 4 time in a week. also i recieved a email from XXXX XXXX XXXX with a statement saying pre legal notification no information regarding how much i owe just blank saying they want to resolve the issue also threatend to send to a attorney in my state if they don't hear from me.. i tried to reolve the issue with citybank before this went to collections but got the run around tried to make a payment but was told numerous time by citibank not to make a payment due to the account is under decision told to call back in 2 weeks when i called back they informed my it was charged off never allowed me to settle the account
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I would like to use this medium to report the deficiency from Flagstar bank and the damage they have caused my credit report. 
I paid off my mortgage on my property on XX/XX/21 after request for the payoff. The pay off was sent to me in the amount of {$150000.00} And we even added additional per diem and wired {$150000.00} However the pay off department from Flagstar bank did not process the fund and they even returned the money on XX/XX/21. that is 22 days after i had paid off the loan. 
Now due to their incompetence, they have reported a missed payment on my credit report, this has caused me to lose a deal. I have called them several times, but to no avail. because none of them has a clue of what they are doing.
Product: Payday loan, title loan, personal loan, or advance loan

I recently discovered that my personal information was compromised due to a data breach, which has resulted in unauthorized accounts and potentially fraudulent activity on my credit report. 

Since [ XX/XX/2024 ], I have identified multiple accounts and hard inquiries on my credit report that I did not authorize or initiate. These accounts appear to have been created following the data breach, which has exposed sensitive information that could have allowed unauthorized parties to access or misuse my identity.

To address this, I have taken the following actions : I contacted each of the three major credit bureaus ( XXXX, XXXX, and XXXX ) to notify them of the breach and dispute the fraudulent accounts appearing on my credit report. 
I submitted a formal request for blocking and deletion of the accounts impacted by the breach, citing my rights under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act, which requires the removal of accounts resulting from identity theft.

Additionally, I requested confirmation from each bureau of any corrective actions taken to ensure my report accurately reflects my legitimate credit history and is free from fraudulent entries. 
To resolve this issue fairly, I am seeking the immediate removal of all unauthorized accounts and inquiries resulting from the data breach, written confirmation of the corrective actions, and identity theft protection measures for at least 24 months to safeguard against further potential misuse of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity and information was stolen back in XXXX since them many accounts have been open in the my name without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, this company is reporting balances and i have never signed anything with them. 
XXXX OF XXXX
Product: Credit card or prepaid card

In XXXX of this year I received a promotional credit card offer from Barclaycard Ring MasterCard. The offer stated that I would receive a 0 % APR Interest rate on balance transfers within the first 45 days. It also stated that there would be a 0 % APR for 15-months on the balance transfer balances and new purchases. I received the first statement and I had been charged interest on the balance transfer. I was so busy that I just paid it to avoid any dings on my credit and figured I would call to resolve the issue before the next bill. Well the next bill came and it was much larger and I was still being charged interest. Not the typical monthly compounding interest, but daily compounded interest raising my payments substantially. I called the company to resolve the issue and they claimed that I didn't sign up for the offer for 15-month promotional period. I signed up to pay 10.74 % interest. This couldn't be further from the truth. I then went to  download the cardholder agreement and come to find out it's not online. You have to request a copy. Well if they're denying my offer and telling me that it wasn't the offer I signed up for then how should I trust them to send me a legitimate cardholder agreement. I never received the initial cardholder agreement in the mail either. The representatives we spoke with on the phone did nothing to assist in the situation other than deny what I was saying and telling me to send them the offer I received three months ago that has long since been thrown away. I tried to go to the old web page and it has been removed from the website with the exact same promotional offer the only difference being the promotional period of 12-months instead of 15-months. The  representatives were rude and wasted almost an hour of my time. They denied that any 15-month offer existed initially. Then they said well it did exist in XXXX and XXXX, but definitely not XXXX. I pointed him to the nerdwallet article I attached below and he claimed that it was outdated, but it's the offer I was mailed. There are plenty of other credit cards with 0 % for XX month promotional periods I could have applied for with a 3 % or less balance transfer fee, which would be a lot cheaper than 10.74 % compounding daily.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.