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

I recently checked my credit report and foun things that were not mine
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a compliance letter to XXXX, XXXX, and TransUnion, requesting corrections to my credit report due to being a victim of identity theft. Despite filing and submitting my FTC report to all three bureaus, they have not rectified my credit report. This is impacting my ability to utilize my VA home loan as a recently retired service member with a XXXX XXXXXXXX and as an XXXX mother. Its causing significant hardship and non-compliance. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in expeditiously removing all negative reporting items from my credit report within the next 72 hours, with USPS receipt proof available.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I've been Disputing XXXX about 2 US DEPARTMENT OF EDUCATION accounts XXXXXXXX XXXX XXXXXXXX to be deleted from failure to validate, obligations to fairness and privacy and inaccuracies. 

I have multiple letters daily from XXXX Reporting Agency of inaccurate and willful non compliance and Neglect.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATED WRONG ADDRESSES AND NAMES THAT DONT BELONG TO ME
Product: Credit reporting or other personal consumer reports

I experience identity theft back in 2018 on my credit report and they are reporting a debt in my name, and account in my name I wish to dispute this debt and I have no knowledge of these account and Im asking for a dispute on all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX " BK OF AMER '' doing business as Bank Of America with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX requested an unauthorized copy of my credit report from XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX requested an unauthorized copy of my credit report from XXXX On or aroundXX/XX/XXXX " XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX PA XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX/XXXX  '' doing business as XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX DE XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX requested an unauthorized copy of my credit report from XXXX On or around XXXX " XXXX '' doing business as XXXX XXXX XXXX  with a corporate address of XXXX XXXX XXXX XXXX XXXX FL XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX ( XXXX XXXX ) requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX, XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX IA XXXX requested an authorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX On or around XX/XX/XXXX XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX with a corporate mailing address XXXX XXXX XXXX XXXX , PA XXXX requested an unauthorized copy of my credit report from XXXX , XXXX AND XXXX
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I applied for a mortgage refinance. I was approved. I went through all the disclosures, paid for an appraisal and submitted all my personal financial documentation. As the loan was getting near the end of the lock-in period the lender representative called me and told me that within the previous month the company put in place an internal policy whereby they no longer do loans of the type I was requesting.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( TransUnion ) Account Rating : Closed Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Auto Finance ( TransUnion ), Auto Financing ( XXXX and XXXX ) Account XXXX : Closed Payment Status : Current Creditor Remarks : Closed ( TransUnion and XXXX ), Closed or paid account/zero balance ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$0.00} Two-Year Payment History Discrepancies TransUnion : Reports 30-day late payment for XX/XX/XXXX, which is inaccurate. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, conflicting with other bureaus. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, which does not align with payment records. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan

I paid the balance of the loan and now they say I owe {$65.00}. My credit union sent them a check for {$1100.00}, which was balance on XX/XX/2015.They received the check XX/XX/2015. Now they say i owe {$65.00}
Product: Credit reporting or other personal consumer reports

I transferred my student loan from NelNet to XXXX. Nelnet is a XXXX balance. XXXX now has the loan. I am showing the full balance from NelNet on my credit report. NelNet is saying that their credit reporting is valid and accurate in a letter that was sent to me and its not. I filed a complaint with Nelnet, all three credit bureaus, and Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Mortgage

I applied for loss midigation with my mortgage company and sent all requested documents and have been denied. I also sent an appeal and have not got a response. This is a extreme time sesative case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX, # XXXX DEPT OF ED/XXXX  # XXXX XXXX XXXX  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 an account without my written instructions.
Product: Mortgage

Ditech Mortgage - I called on these dates : XXXX/XXXX/XXXX XXXX XXXX CST spoke to XXXX XXXX XXXX in AZ about Loss Mitigation Group letter sent XXXX/XXXX/XXXX ; said they needed more documents to complete application. I uploaded requested documents through the website which clearly showed income and GIFTS and other deposits in my checking for the entire year. 
XXXX/XXXX/XXXX Called XXXX, he said they used $ XXXX monthly income to determine my loan modification request. I told him that was gift money and unemployment which is not applicable as my income. 
XXXX/XXXX/XXXX XXXX XXXX CST I called XXXX XXXX at XXXX XXXX at XXXX and left a message that my income was incorrect and I was uploading document to the website. Several pdfs uploaded ONLINE MESSAGE XXXX/XXXX/XXXX sent a message thru online message center for Ditech also : " I will be uploading Loan Modification Appeal documents due to the information was incorrect that was used to determine my eligibility. Please have someone contact me regarding this matter. 
Fri XXXX/XXXX/XXXX XXXX XXXX CST I received an email to download an Loan Modification Appeal resolution document which again denied my request using INCORRECT Income amounts and the letter said my appeal was denied due to I made too much money. 

Tuesday XXXX called approx XXXX CST Called Ditech and got XXXX XXXX she immediately put me on hold ; Asked for XXXX official representative at XXXX - She put me on hold and then came back and said he is not available. 
I asked for manager level - she said she had to verify information for security purposes ; Gave her my account #, property address, last 4 # of social, I asked to speak to manager- she said she was not available and would have to call me back. I said never mind and hung up. 
immediately following phone call, I tried to send an online letter while logged in to my account and after composing and hitting send ; it said Error could not send. 

Tue XXXX/XXXX/XXXX XXXX XXXX -- I sent email thru my personal email and automated response said could be XXXX days before someone contacted me, I logged in again online and sent the same letter. 
Tue XXXX/XXXX/XXXX XXXX XXXX Called second time XXXX put in extension for XXXX x XXXX went to voicemail - said mailbox is full ; Tried another extension XXXX XXXX XXXX XXXX - was not available =left my name and number & said I want to make a payment Each month they have sent correspondence that says I have a different account rep. and I try to connect - call - leave a message and do not get any call back. 

For the Loan Modification request and appeal, I emailed and uploaded online two separate documents that showed my entire income for the entire YEAR, as stated in my Letter of XXXX XXXX, XXXX : " My income and ONLY MY INCOME, is only {$2600.00} thru XXXX XXXX, which averages to {$260.00} per month for the past ten months. I have only had part-time income through XXXX or misc part-time, short term employment. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the account on my credit report was incorrect when I reviewed it. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and fixed : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CFPB Complaint Against Capital One XX/XX/XXXX Capital One has repeatedly failed to honor MasterCards Zero Liability policy for disputed and fraudulent transactions by refunding charges for products that were neither delivered nor received. 

After XXXX XXXX. ET on XX/XX/2020, Capital One rebilled {$99.00} for a disputed transaction on a product ordered that was NEVER received. A fraudulent ad was posted on XXXX by the XXXX XXXX on XXXX. The fraudulent {$99.00} charged later appeared as a company named XXXX XXXX. Neither the weights nor the weight bench that was ordered were ever received. NO DELIVERY VERIFICATION WAS EVER PROVIDED BY CAPITAL ONE AS NO DELIVERY WAS EVER MADE. Despite the fraudulent charge and no product delivery, Capital One wrongly rebilled {$99.00} to the account and failed to honor MasterCards Zero Liability policy. 

The prior week, Capital One promised to provide credits in the amount of {$61.00} that XXXX charged prior to a Major League Baseball season that never started and {$110.00} for XXXX whose season was also interrupted by COVID-19. Although both credits were promised a week ago by Capital One, the company never provided either credit. 

Capital One also previously failed to honor MasterCards Zero Liability policy for disputed and fraudulent transactions when XXXX XXXX  charged {$540.00} for an appraisal that was only to be authorized when the banks mortgage approval was conditioned only on such an appraisal. While XXXX XXXX  officer, XXXX XXXX XXXX and her manager, XXXX XXXX both guaranteed that no appraisal would ever be ordered unless XXXX XXXX XXXX approval was conditioned only that appraisal, the bank declined the loan and then processed the appraisal charge that was never authorized per the agreement of both XXXX and XXXX. 

Capital One has unjustly charged a total of {$810.00} and has failed to honor MasterCards Zero Liability policy as none of the products charged for were ever provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My XXXX Mastercard # : XXXX issued by XXXX XXXX, XXXX XXXX XXXX, UT is lost/stolen. All of the transactions is fraudulent and unauthorized. My entire credit limit of {$1000.00} was used in a fraudulent and unauthorized manner. I never used my XXXX MasterCard. The fraudulent transactions dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). You guys keep closing my complaint saying its potential fraud I have provided a FCRA SECTION 605C Attestation form to show that I really was a victim of human trafficking.
Product: Credit card

The derogatory Bank of America Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/2013 XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I just received a copy of my 3 credit report and noticed I have 3 different credit card accounts that I previously deleted with all three credit bureau. I would like these account removed as soon as possible.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
It should be noted that the Company is a client of Crypto.com 's, owner of the wallet : XXXX The scammers were committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my Crypto.com wallet in the total amount of XXXX USD utilizing their services and under their authorization.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I had a debt i owed to World Finance Corporation, they sold the debt to XXXX XXXX XXXX, I paid off the debt and as agreed Spring Oaks took it off my credit, and if not mistaken I had an agreement as well with World Finance Corporation. Each time i try to call and explain the situation they put me on hold for several minutes and i always hang up. I paid my debt, they need to get it off my credit so i can buy a house. Instead, they are being petty.
Product: Debt collection

I have disputed JPMCB with the credit bureaus and I didnt receive any informations or contracts from signed as requested was in XX/XX/year> XX/XX/year> and XX/XX/year> i am trying to buy a house for my XXXX kids and wife and this hurts my credit so bad can you please remove it from my credit report to get to my dream and by a house for my family
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. And this is not a third party filing this report. I have attached several documents for your review. Please see attached. There are several inaccuracies on my consumer report being reported by the following credit reporting agencies. XXXX, XXXX, and EQUIFAX. They have not did an investigation into this matter and they are violating my consumer protection rights by these inaccurate reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report repir change. Good credit
Product: Checking or savings account

i got a notice via email about the pin being changed on my account. i tried to log into my account online and got a page saying the account was closed temporaraly. i called the number listed and was given another number to " XXXX '' that was " reviewing my account '' ... ive gotten no response ... the account is is less than 2 weeks old ... i made my {$0.00} deposit to get my debit card sent to me. then a {$1.00} deposit and {$1.00} withdrawal by XXXX  to link my account to XXXX. roughly 3 days later i am currently locked out my account and have got no respponse from " XXXX '' ... my account is an interest checking account through ally bank ... ( online banking ) my name is XXXX XXXX and an email i can be contacted at is XXXX XXXX