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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus are violating my rights by reporting inaccurate information on my credit report and I beleive that is a violation of the FCRA and FDCPA. I'm about to speak ti a FCRA attorney about this.
Product: Credit card or prepaid card

on XX/XX/XXXX a credit card for Bloomingdales appeared on my credit report. I reported a dispute, and again on XX/XX/XXXX I reported again another dispute. with no report of a solution. I contacted bloomingdales today XX/XX/XXXX and they have started a fraud investigation and I have reported to XXXX again and they have reported fraud also
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting these accounts that doesn't belong to me but I get no response from any of the bureaus.
Product: Credit card

We have a business card with Capital One ( XXXX ). We added an employee card and updated our email address. Subsequently our account was locked for suspected fraud. We called Capital one verified our identity and the changes. Capital One requested supporting documentation from us consisting of drivers license copies, utility bills, and a copy of our Social Security card for each cardholder. We thought this an odd request especially since we have been using the card for over a year. We advised them that we were fine sending in everything with the exception of our Social Security card copies as we were not comfortable for security reasons with them having or storing a digital copy of our social security cards. We then sent in drivers license and utility bills for each card holder and with held the Social Security cards. For some reason After numerous calls Capital One refuses to remove the fraud hold on our card until we provide digital copies of our social security cards, which we will not do. This caused disruptions in our business so we opened another card with another company. 

We called Capital One to close our account due to the fact that we were at an impasse. At the time we had a balance of approximately {$560.00}. We had accrued {$510.00} in cash rewards using the card for the last year. We requested to use the cash rewards we had earned to close out the account and fund the balance. Capital One now refuses to let us use our cash rewards until we send in our social security cards. We paid the balance and it seems we will now loose our cash rewards because we refuse to let Capital One have a copy of our Social Security cards. 

No fraud was ever on this card! We made and authorized all changes. I have never had a credit card company hold me XXXX until I fax in a copy of my Social Security card.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX XXXX XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX XXXX XXXX XXXX. I hereby request that XXXX XXXX XXXX XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX XXXX XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX XXXX XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX XXXX XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Bank of America, after I submitted my power of attorney document, made me power of attorney on my mother 's credit card in mid XX/XX/year>. Subsequently, Bank of America refuses to grant me online access to my mother 's credit card to monitor activity and make payments. On XX/XX/year>, Bank of America credit card services and Bank of America 's XXXX, CT branch state it is their policy to not allow power of attorneys online access to credit cards. Bank of America has also has failed to mail me paper statements, stating that the 'system won't let them. In the meantime, Bank of America charges my mother 's account late fees. My mother 's durable power of attorney explicitly states that I am to have digital access to my mother 's financial information. Bank of America is violating the power of attorney, a legal document, and also blocking my ability to protect and monitor my mother 's finances.
Product: Mortgage

I just noticed that they started a foreclosure action before 120 days. They did an illegal act against me as a consumer. M & T Bank.
Product: Checking or savings account

My Name Is XXXX XXXX I open account with HUNTINGTON BANK and everything was okay. Until I filed a DISPUTE WITH THIS Company on XX/XX/2024 I reported UNAUTHORIZED TRANSACTIONS the next two days XX/XX/2024 MY ACCOUNT IS HEADING FOR CLOSER!! I called multiple times I ask why would my account close this BANK Have Give No reason but Fraud this Bank has Racially Profiled Me To Be Accused Of Fraud. I Have Been nothing but true to this BANK. I attend school and receive deposits. Im saving money for my babies FUTURE and this is what this bank has done to made me feel little. Every XXXX XXXX  ARE NOT COMMITTING FRAUD!! HUNTINGTON BANK not been compassionate at all. I cant get answer to why this is happening.
Product: Credit reporting or other personal consumer reports

To Whom It May concern : There is currently an inaccurate item being reported on my credit report from XXXX XXXX. I have contacted this company at the address provided on my credit report here : XXXX XXXX XXXX XXXX XXXX, SD XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX  XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX # XXXX SELF / LEAD # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XACTUS-CP/NATIONS LEND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  LEND XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX Called the companies on my credit reports, all said the same thing no record of me and have no knowledge! Contacted transunion and XXXX to no avail! Sent in paperwork that they are saying they never got! Sent XXXX the same paperwork and my inquiries are gone the ones that are not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 5 inquiries on my credit report. I only recognize one of them and thats XXXX XXXX. as you can see from my credit report i have a XXXX  XXXX credit card. please remove these other inquiries asap. please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following companies have negatively reported to all three of my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the credit bureau 's to ask for the removal of these discrepancies that have been reporting improperly.
Product: Money transfer, virtual currency, or money service

I am submitting this complaint on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, a nonprofit, 501 ( c ) 7 registered organization who owns this Venmo account. The account was created in XX/XX/XXXX and has been run without issue until XX/XX/XXXX when Venmo requested identify verification on XX/XX/XXXX and actually verified identity ( see email correspondence ) accordingly, but still froze the account. As this is an organizational account, several users have had access over the past 4 years and it was unclear who was listed as the individual owner. Therefore, upon contacting Venmo on XX/XX/XXXX, they advised we could submit verification with a bank statement and the current Finance Director 's driver 's license. However, the account was again frozen after the verification was submitted for the second time on XX/XX/XXXX. Then, upon further contact Venmo advised the account owner is the only one who can verify, and were resent instructions to verify on XX/XX/XXXX. However, less than an hour after we received this email, another email saying the account is blocked from using Venmo and funds will be held for 6 months was sent to the email address on file. Still, we identified the account owner and submitted the documentation accordingly but have heard nothing back since. It has been over 2 weeks and we have a balance over XXXX in the account. We use these funds to operate in good faith in our community for service-related work and to pay our insurance. Without these funds, we are unable to pay our bills and continue our program operations. If there is any assistance that can be provided to access these funds so we may continue our work, it will be greatly appreciated. Thank you for the support in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my TransUnion Rental Screening Report and I received a letter stating that my birth date and social security number and copy of photo identification was needed before producing/providing said report. I submitted a generic form with my birth date and social security number and full name on it including a request/authorization in-print and any applicable addresses and I do not understand why I received the letter that I did. TransUnion REFUSED to give me my report when I know that they possess adequate information.
Product: Debt collection

Midland credit management keeps calling even after I tell them that to stop calling XXXX XXXX wanted to keep me in a contract I was never aware of it when I cancel my account they started to send me diferente amount increased by the day from {$450.00} went up to {$1000.00} this account is from XXXX or XXXX it 's really old I did n't think they have going XXXX got into my bank account and got the money I make a complaint with my bank and they return the entire amount XXXX have my account information and that is how XXXX is been trying to get money I do n't owe now they have midland credit management calling at all the times but they do n't talk they only stay in line and then hung up the phone I have been harassed by XXXX robbed and now they have midland credit management doing the same
Product: Debt collection

I received a notice on XX/XX/2022 that I owe {$260.00} from American Profit Recovery , Inc ( debt collector ) on behalf of XXXX XXXX ( creditor ). This was already paid as shown from the creditor 's own bookkeeping system ( see attached ).
Product: Credit reporting or other personal consumer reports

In accordance with fair credit act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any items not later than XXXX business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

my dauther paidoff XXXX XXXX now 3 months ago they say iowe XXXX this is not my account
Product: Credit reporting

The following inquiries are fraudulent and need to be removed from my credit report. I spoke with a representative on this situation as well as disputed them online and nothing happened. I am a XXXX Veteran and a member of a protected class. I will resort to legal options if this continues. 


Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX XXXX : XXXX - XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : XXXX INFO SERVICES : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I was a victim of credit card fraud. Somebody used my America Express credit card. I did report it to them. They did investigate it and clarified everything but they cancelled my credit card. They never sent another one. It felt like it was my fault. I am still paying it but they denied me a replacement. I spoke with them but they said not to me. American Express never sent another card. That is discrimination.
Product: Credit reporting or other personal consumer reports

The credit bureaus are all reporting different inaccurate information that is hurting my credit report. There are several companies that are reporting a profit and loss write off but still reporting a balance. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 
On all the accounts listed there are several things inaccurate : Last activity date, Charged off with a balance and the payment history is wrong showing I have a new charge off versus the correct date he accounts were charged off.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized use of my personal information. Consequently, several fraudulent accounts and inquiries have appeared on my credit report without my knowledge or consent. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Throughout, I've ensured that payments on this account are always made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned because my credit report has discrepancies that are continually being reported and damaging my credit score. I have highlighted all these discrepancies. I am being denied credit due to this false information. I have asked Experian to remove this information but they are ignoring me or sending me correspondence not addressing this matter.
Product: Credit reporting or other personal consumer reports

I am writing this to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges listed. I ask that the items be deleted to correct my credit report. I report this theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
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 ( Original XXXX portfolio first premier XXXX XXXX XXXX XXXX XXXX ) Account Has violated my rights. 


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

15 U.S.C1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Covid 19 - in violation of Federal Collection Laws There are two separate federal Acts in place in which prohibit AGGRESSIVE collection of student loan default. 

XXXX / XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX Also the school / schools in collection both filled for Bankruptcy so where is the EXTRA collection monies going if these schools filled for the equivalent of a chapter personal chapter XXXX?
Product: Credit card or prepaid card

I received my XX/XX/2019 statement for my credit card with Bank of America. The closing date on the statement was XX/XX/2019, and the minimum payment requested was {$340.00} due XX/XX/2019. On XX/XX/2019, I made a {$400.00} payment to this account and on XX/XX/2019, I made a {$100.00} payment to the account for a total of {$500.00}. As such, I paid {$160.00} above the required minimum payment due XX/XX/2019. Nonetheless, Bank of America is stating on their webiste that I still owe {$230.00} for the XX/XX/2019, payment. I tried to resolve this issue over the telephone with a telephone representative without success. Now I turn to your agency to act on my behalf.
Product: Mortgage

On XXXX/XXXX/2015 I submitted my mortgage payment to PHH mortgage electronically through the bank. The money, payment can be seen as received on my activity statement on PHH website, on my account although the money was put in a suspense account for some reason. I have called PHH mortgage and emailed twice to see why the money, has not been applied anywhere not to escrow nor principle. In addition, the balance in suspense account says XXXX balance. so If I click on my payment to see where it went it says suspense account. But then on the main page, listed nortgage owed etc. it says zero in suspense account. It is now XXXX XXXX and the money has not bee applied anywhwere and my tax bill came in which was due at the end of XXXX. Since the money is in suspense, there were insufficient funds in escrow and PHH has funds owed to my account because my payment was put in suspense. I am very unclear as to why their is such a delay in applying my payment which I made on XXXX/XXXX/2015 electronically has not been applied to anything, not principle or escrow as of today XXXX. I have called and the lady said it will take ten business days to fix this and I have sent XXXX emails. Every month I submit my mortgage payment the month prior to it being due almost consistently two weeks prior. why is the money not applied to principle and seems to be not accurately documented as where it is XXXX statement says XXXX balance in suspense and if you check to see where the payment went it indicates it all went into a suspense account.