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

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX  XXXX Balanceed Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXX, R XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding a charge-off account I believe is incorrect on my credit report. This account is negatively impacting my creditworthiness, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXXXXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove CHAPTER XXXX BANKRUPTCY DISCHARGE : XXXX. This is not my bankruptcy, you've got the wrong person here.. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and Transunion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
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
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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Checking or savings account

Jp Morgan chase, decided it was convenient for them to close my account for no reason after 15 years of being a Costumer. They closed my account and accept my employers direct deposit after account closing. They are withholding my funds for no reason and refuse to refund.
Product: Debt collection

TransUnion. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these alleged items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am using the app   XXXX   XXXX   which is suppose to connect to my bank. It connected when I first started but it wo n't show the updated amount in my bank account now. I made {$95.00} on the app   XXXX   XXXX   and was allowed to cash out but it is not showing the correct amount before the {$95.00}. I use PNC bank which is usually pretty reliable not sure if its an issue on their end or   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto is reporting me late on XX/XX/XXXX and that is inaccurate. I recently checked my credit file and noticed this late reporting on my credit. I was really confused because I had talked to them because I needed to trade in my car. The girl I spoke to about the manner let me know that the payment for the month of XXXX did not need to be paid. She explained that it would be transferred to the new loan and that's when I would make my payment. I did as she told me to and made my first payment on the new loan in XXXX thinking that covered XXXX payment as I was told. Well, I look on my credit and noticed that they were reporting a XXXX late?!? Had I known that would've happened I would have just paid the account but I was specifically advised not to and I got reprimanded for doing something your employee advised? This is not my fault and this must be fixed. Also, under the federal mandate and CARE act you are not allowed to file negative notations on credit during this pandemic.Please remove the late from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing in connection with the fraudulent account appearing on my credit report. The account number XXXX does not belong to me and is the result of identity theft. 
To the best of my knowledge, this fraudulent activity may have occurred as a result of the XXXX XXXXXXXX data breach, during which my personal information was exposed without my consent. 
Removal by Other Bureaus : I have previously disputed this account with XXXX and XXXX. Both credit bureaus have investigated my dispute and determined the account to be fraudulent, resulting in its removal from my credit reports with them. However, Experian has failed to take similar corrective action. 
Legal Requirement for Consistency : Under federal law, all three credit bureausXXXX, Experian, and XXXX required to maintain accurate and consistent information across credit reports. The continued reporting of this fraudulent account by Experian violates these legal standards. 
Additionally, if XXXX fails to remove the account in question after acknowledging its fraudulent nature, they will be in noncompliance with 15 U.S.C. 1681e ( b ), which mandates the maintenance of accurate credit reporting, and 15 U.S.C. 1681c-2 ( a ), which provides for the blocking of fraudulent information due to identity theft.

Supporting Documentation : Attached you will find : A copy of the identity theft report filed through the FTCs IdentityTheft.gov.

Request for Immediate Action : I formally request that this account be permanently removed from my credit report with Experian. I also request that Experian ensure the fraudulent account remains removed in compliance with federal law. 
Any associated inquiries with this account should also be removed from all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020,. {$520.00}, I proceeded to call XXXX to obtain info related to company " TransUnion LLC. '' XXXX  referred me to TransUnion given phone number. I contact TransUnion and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to TransUnion. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the XXXX  and TransUnion both wanted the identity theft report but failed to supply since Covid 19 a email address. XXXX  offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached
Product: Credit reporting or other personal consumer reports

I want to settle any misunderstandings with my account in a timely manner. Im writing because in my recent credit report there are XXXX late payments which are inaccurate. I have provided the documentation to showcase the errors. These errors need to be addressed immediately otherwise I will file a complaint. I have reached out several times and nothing has been addressed. Late payments for the date below are in accurate XX/XX/2024 I had an extension for XXXX and XXXX and have provided that information. Please report to all credit bureaus with the correct information immediately. 
XXXX and XXXX of XXXX I was also not more than XXXX days late. There were XXXX checks that were sent to me and cancelled and applied to my account. This took weeks to correct with a handful of calls. PLEASE take the time to review and fix these mistakes immediately. 

XX/XX/2024 Again, I had an extension!!!! please correct immediately Please carefully look at my account, yes XXXX was a tough year for me and I was late several times but never long enough to be reported to all credit bureaus. I am planning to purchase a home, and these incorrect missed payments are hurting the chances of that. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received a bank teller alert on my messages from my bank claiming that someone had attempted to authorize charges on my account. I believed it to be a true alert since they knew my information and unbeknownst to me were impersonating XXXX XXXX, 2 minutes later I got a call from the Fraud department of my bank where I talked with someone who claimed to be a fraud specialist for about 20 minutes. They notified that someone in Massachusetts had attempted a total of 9 transactions on my account. 1 through XXXX and 8 through cashapp and for security reasons I had to directly authorize the transactions with the memo ( REFUND XXXX XXXX XXXX ) so that the bank would block them from processing and verify that I was not the one attempting the transactions, after asking many questions under so much duress and stress I believed this person to be truthful and complied. I authorized the XXXX payment. Then they asked me to verify my phone and email to conduct a personalized video call so I wouldnt have to share my information electronically which and gave me the name XXXX and XXXX badge number XXXX as insurance that they were a legitimate specialist. Fair enough I received a XXXX call a few minutes later where they instructed me to share my screen and go onto cashapp to directly authorize the remaining 8 transactions for security reasons. They assured me multiple times that my account balance would stay the same and even had me sign out of my online banking app because my account information was compromised. They told me to authorize the transaction and same as the XXXX to go to Pay and put the exact amount that was being attempted and to put the memo as refund with a different XXXX digit number each time. This all sounded legitimate at the time and I didnt pick up on any red flags until the transactions processed. After that they told me to log on to my online banking with a one time password that they provided but before I received the username they hung up. I proceeded to call back on the same Fraud department number where this time an actual representative answered and let me know Id been scammed. I immediately reported and requested the money on cashapp through the app support and blocked my card to issue a new one. I filed a dispute once the transactions cleared a week ago however the bank has decided to decline due to the transactions being directly authorized. I was told that nothing else can be done but to contact Cashapp or law enforcement. I called cash app support and they said the same thing as my bank. I am humbly writing to ask for any more help for what can be done because Ive been scammed of {$1500.00} and am in deep sorrow. I was also told to request a refund with the recipient which I did and obviously they declined it immediately because they are also apart of the scam.
Product: Credit card or prepaid card

The company failed to cancel our card when I returned them along with a letter stating we are ending our relationship. The account continued to receive charges that were not ours and when we informed Capital One they sent us a letter stating that all erroneous charges were reversed and we were made whole. The same day we received the letter we received our monthly statement via the internet and all the erroneous charges were back. After we returned our cards we received a credit for a purchase we returned and we are due a refund from Capital One. About XX/XX/2021 I mailed a schedule setting forth how I arrived at the amount we are due. The schedule was mailed to Capital Ones Customer Advocacy Office in XX/XX/XXXX, Va. and Capital One has never responded to this letter. 
To make matters worse Capital One continues to leave messages for me to return calls and when I do they do not answer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across TransUnion, XXXX, and XXXX. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from XXXX and XXXX while accurately reported as XX/XX/XXXX, by TransUnion. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months. 
XXXX adds unnecessary remarks stating, " Closed or paid account/zero balance Auto, '' which is not consistent with TransUnion and XXXX. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected.

Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement.

Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from XXXX and XXXX XXXX Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with XXXX, XXXX, and TransUnion. 
Written confirmation from each credit bureau stating that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and TILA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

In XX/XX/XXXX, my life insurance company premium payments began to not be accepted by my bank 's bill pay despite using them for years to pay my monthly insurance premium. 

In XX/XX/XXXX after XXXX payments were rejected, I asked Capital One Bank to please provide to me the error message/documentation that they are receiving because XXXX denied returning any payments to the bank and needed this evidence in order to investigate because I made a complaint to the department of insurance regarding the payments not being accepted. 

Capital One would not give me the documentation that showed any errors/rejections and instead kept sending me emails saying they did it correctly based on what I entered even though I verified the address and account/policy number that was on the account was still the same ( and had again been paying this way for years before XX/XX/XXXX ). Each time I called in asking for a written explanation for why the payments are being rejected so that I can give them to the dept of insurance for my complaint, they ignore my request and send me a boiler plate email that states if i want the documentation they used to make the decision to give them a call. 

I have called in XXXX, and multiple times in XX/XX/XXXX asking for proof that they sent the payment to my insurance as well as proof that my insurance refused the payments. I do not know that they actually sent the bills and my account almost lapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here to ask for an investigation of this account that is erroneously placed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe the account 's reporting has a huge error and could be detrimental if it is still unverified. I sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform.