23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am writing to report a issue with two prepaid credit cards that I received as a gift from my friend. The cards were purchased at XXXX XXXX  on XX/XX/year>, and I have receipts to confirm this. The cards are managed by the company responsible for XXXX and their customer service phone number is XXXX. 

When I tried to use the cards, they were declined due to alleged " fraudulent charges '' on both accounts. I find it suspicious that both cards, which were purchased at the same time and from the same location, would be affected by fraudulent activity. As the recipient of these gift cards, I had not yet used them or shared the information with anyone else. 

Despite my efforts to resolve the issue with the company, I have been unable to access the {$250.00} in credit that is supposed to be available on these cards. I am extremely dissatisfied with the way this situation has been handled and believe that it may be indicative of a larger problem with this company 's practices. 

I would appreciate it if you could look into this matter and help me recover my lost funds. I have receipts for both card purchases and can provide any additional information necessary to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The disputes have been resolved since XX/XX/2021 but it was bought to my attention, the dispute verbiage is still reflective My dispute has been concluded for quite some time I would like the dispute verbiage to removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navient in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX Hard inquiry XXXX Hard inquiry In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section A states I have the rights to privacy.

15 U.S.C 1681 section 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

Good day, my credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of the CARES Act. The issuers listed late payments after payment arrangements/accommodations were made.
Product: Debt collection

In at least XXXX different multiple instances my wife is receiving collection calls from Exeter Finance for a debt on a XXXX product. We have repeatedly advised to not call her. We don't own a XXXX and have never financed anything with Exeter Finance. In fact, none of the data matches what they are trying to collect on. Repeatedly we have requested to be removed from their phone system. My wife 's name is XXXX XXXX. We live at XXXX XXXX XXXX XXXX MI XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these inquiries be removed from my credit file : Inquiries to be blocked and deleted : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX   Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

GREETINGS, I APPRECIATE YOUR ATTENTION TO THIS MATTER. MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS. I HAVE BEEN NOTIFIED THAT I AM A VICTIM OF THE XXXX DATA BREACH, WHICH HAS RESULTED IN A THEFT OF MY IDENTITY. I AM SEEKING GUIDANCE, PLEASE, I SEE THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA, SECTION 605B 15 USC 1681, SECTION 2 AS AN INDIVIDUAL IMPACTED BY IDENTITY THAT I AM ENTITLED TO REQUEST A REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY REPORT. THANK YOU THIS REGULATION MANDATES THE CREDIT, REPORTING AGENCIES SWIFTLY REMOVE ANY DATA THAT STEMS FROM IDENTITY THEFT UPON RECEIVING THE NECESSARY NOTIFICATION timely insure the deletion occurs within four days.
Product: Debt collection

Dear Sirs or CFPB, I have enclosed a attachment with PDF shown to you. 

Please be careful read to understand. I don't want to be wasting time with loop around and it's make harder and pay attendtion. 

What I do next step to step with that? and Could you tell me to do with it?

I don't want to repeating since present and problem making the worst-case.

I do already have report to the OCC Dept with email last few months ago.

I did not hear from them and nothing. 

Because It's real ID theft and The person name is XXXX XXXX is stealing my information everything theft gone. 

Thank You Sincerely, XXXX XXXX XXXX. I already send to you by the mail ( Post Office ) as paper look like attached.
Product: Credit reporting or other personal consumer reports

1.hard XXXX  XXXX XXXX was reported XX/XX/XXXX XXXX. XXXX XXXX was reported XX/XX/XXXX XXXXXXXX XXXX reported XXXX XXXX XXXX XXXXXXXX XXXX  reported XX/XX/XXXX XXXX XXXX auto reported XX/XX/XXXX XXXX imports XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX bank reported XX/XX/XXXX XXXX XX/XX/XXXX I have no active account with any of these individuals companies i reported fraud to XXXX
Product: Debt collection

This collection was removed from my credit report before as " XXXX XXXXXXXX XXXX XXXXXXXX '' but now i guess was sold to SPRINGOAKCAP this collection does not belong to me and should not be reported on my XXXX profile.
Product: Payday loan, title loan, personal loan, or advance loan

Makwa, LLC. dba Makwa Finance sent a Notice of Adverse Action to my email. I have never heard of the company or requested a loan. They have my information on file without my permission.
Product: Credit card or prepaid card

My XX/XX/2018 billing period reduced 5 % cash back eligible charges to 1 % because American Express changed the annual tracking period from end of statement date to anniversary of card initiation. However, American Express refused to credit the additional 1 % charges to my required {$6500.00} minimum annual purchase hurdle, thus cheating me out of earned 5 % cash back charges. 

After explaining the problem on XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18 to various American Express customer service employees, I was told that my complaint was accurate but that American Express was not going to credit me the money owed to me.
Product: Credit reporting or other personal consumer reports

Misusing credit information involves the unauthorized or unethical handling of personal financial data, typically for personal gain or to harm an individuals financial standing. This can include practices such as identity theft, where someone uses another person 's credit details to make fraudulent purchases or apply for loans. Additionally, companies may misuse credit information by selling it to third parties without proper consent, leading to potential privacy violations or targeted marketing that breaches consumer trust. Errors on credit reports can also cause harm if they are not corrected in a timely manner, affecting an individual 's credit score and ability to secure loans or favorable financial terms. The misuse of credit information undermines financial security and personal privacy, posing significant risks to individuals and society as a whole i as a tax paying citizen have been deprived of these rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account for over a year now via all credit bureaus. I have specifically asked for when, where, and by whom this account was opened. And the information is never provided or even answered. This is not my account, and you can not continue to report it as you have not once verified the detailed information requested. Please provide all pertinent information used to open the account to verify it's accuracy.
Product: Credit reporting or other personal consumer reports

History of several disputes with Experian and XXXX to investigate and remove inaccurate information. Please see all previous complaints made with CFPB as a reference and proof that I was a victim of these agencies sham investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, I made XXXX deposits of {$10000.00} each to the company XXXX of XXXX for the purchase of a XXXX tahoe XXXX, I was supposed to receive the vehicle after made the 2 deposits, but the person did not do so because he said he had only received 1 deposit, he just sent me the shipping receipt. The bank confirmed me that the 2 payments were made correctly, the person told me that he would give me a refund on Monday, XX/XX/XXXX, but I did not receive anything, and they stopped answering messages and calls, i was scammed. 
I made the fraud claim to the bank, but unfortunately the couldn't do anything. 
After an investigation made it by myself, i discovered that the company is fake.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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 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.

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: Mortgage

My mortgage was sold from XXXX  XXXX  to freedom mortgage since then I have tried contacting freedom mortgage about documents and information about removing my escrow and refinancing my loan. I keep getting the run around. Ive asked why my mortgage come up another XXXX a month and the reply I received was my taxes rose and to contact the town I live in can u please help me with my issue thx out XXXX
Product: Credit card or prepaid card

XXXX TO XXXX XXXX issued to me was stolen also a XXXX XXXX a american express card a gold american express card and a XXXX card was never in my possession and i applied for them but they were taken in my mail to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  THE MAN THAT TOOK THEM IS NAMED XXXX XXXX MY STEP FATHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

While Attending XXXX XXXX University back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Unauthorized Credit Inquiry Dear Compliance Department, I am writing to request the removal of a credit inquiry made by JPMCB Card Services that appears on my consumer credit report, dated XX/XX/year>. I did not gain anything from this transaction, nor was there any benefit or value received on my part. 

Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), access to a consumer 's credit report must have a permissible purpose, such as written authorization or a legitimate business need. If JPMCB Card Services can not provide documented evidence of a permissible purpose, this inquiry must be removed immediately to comply with federal law. 

Additionally, under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} for this violation of my consumer rights. However, I want to make it clear that I do not seek the {$1000.00} if you promptly remove this inquiry. If you fail to do so, I will pursue my right to compensation under the law. 

Resolution Requested Remove the inquiry from my credit report immediately. 
Provide written confirmation that the inquiry has been removed. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

XXXX XXXX XXXX has contacted me numerous times, several times a day and every time I speak with them its the same spill. They acknowledge my debt and ask if Im able to pay the debt. I have told them numerous times that I am willing to work with them and pay my debt but I was given false information on my options for payment. I was misinformed for almost 4 years and I never knew about all forms of payment. I had to pay my friends to make a payment for me at times. I work almost 20 hours a day and literally couldnt take advantage of the payment option they were offering online due to limited access to a computer. One day after I was already 1 year behind in payments a customer service associate told me about the application they have available to pay through. I have been able to pay more money and ahead of time do to this particular call. I am very disappointed in XXXX XXXX for not informing me of all the options. This has negatively impacted my credit and keeping me from getting approved for certain loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters so far requesting for the inaccurate information be removed from my credit report. The bankruptcy in question was dismissed without going to court. The credit bureaus stated they verified that the information was correct. Verified with who? I wrote a letter to the courts and was informed that the courts do not communicate with credit bureaus. That would put the credit bureau in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Marigold Loops XXXX, XXXX, AL XXXX XXXX DL : XXXX Formal Complaint Regarding Unauthorized Access to Consumer Information To Whom It May Concern, I am writing to formally address a serious matter that has not been resolved concerning Lexis Nexiss handling of my personal information. Specifically, I have discovered that Lexis Nexis has been furnishing my information to third parties without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). This unauthorized sharing has caused significant adverse effects on me as a consumer, and I believe it constitutes a violation of my rights under federal law. 
Under the FCRA, consumer reporting agencies are obligated to ensure that consumer information is disclosed only to entities with a legitimate, permissible purpose. However, it appears that Lexis Nexis has not adhered to these guidelines, allowing my information to be accessed in a manner inconsistent with these protections. As a result, this unauthorized access has directly impacted my financial, professional, or personal standing, creating unnecessary hardships. 
In light of these circumstances, I am compelled to notify you that, should this matter remain unresolved, I will pursue legal action to address these grievances. This may include filing a claim for damages arising from Lexis Nexiss disregard of the permissible purpose requirement outlined in the FCRA. 
Please treat this as a formal complaint and take immediate action to rectify this situation. I request that Lexis Nexis : Immediately cease all unauthorized furnishing of my consumer information ; Conduct an investigation into the circumstances under which my information was accessed ; Provide a detailed account of all entities that have obtained my information without a permissible purpose ; Clarify the steps Lexis Nexis is taking to prevent further violations of my privacy and FCRA rights. 

5. Delete Bankruptcy Records : Case Number - XXXX from my credit file. 

Thank you for your immediate attention to this matter. I look forward to your prompt response outlining corrective actions to safeguard my consumer information as required by law.