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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT RESOURCE XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be immediately blocked and deleted from my credit file. These accounts were opened without my authorization and are a result of the data breach. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/year> Amount : {$1200.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/year> Amount : {$0.00} XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/year> Amount : {$0.00} XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/year> Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow XXXX  disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, Back in XXXX of XXXX I requested that all XXXX bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.
Product: Credit card

The Chase Bank credit card associated with Amazon.com consistently charges late fees for electronic payments, days after those payments have been processed by my bank. It is the only credit card I have that does not credit electronic payments on the day they are subtracted from my bank account. Example : {$220.00} deducted from my bank account for an electronic transfer to Chase on XX/XX/2016 was not credited until XX/XX/2016. Also on XX/XX/2016 they charged me a late fee. This happens each and every time a weekend falls between the transfer date and the due date. It is part of their business model, I am sure. I have cancelled this card but want to report them anyway.
Product: Checking or savings account

I have a wells fargo account. XXXX  XXXX kept chagring my bank account and caused over draft fees. which lead to a a negative balance and they closed my bank account. Im waitin for my income tax return to come and all of this was out of my hands and now delayed for my paymemnt. I cant wait any longer for a check. They caused my count to get XXXX  up on charghes that i never agreed on. XXXX. {$40.00}, {$26.00}, multpe times. I spoke with XXXX  XXXX  telling them I never agreed on another yearly contract which tehy charged an annual fee. they said because of a back balance, they couldnt remove it. I said that ; 's ridiculuouas I'm a still unemployeed. I dont have a phone. My XXXX   wireless cell phone account and number are compromised with a bugged virus that wont go away which is part of the reason why Im not getting call backs from employers, friends, etc. as well as my identity-related data is compromised which stemmed from my XXXX University account. I've done everything on my end with no money trying to resolve these issues as everyone else justs sits there in pleasure as I'm unnecesarily going through this. It basically put me in poverty, XXXX, my vehicle being taken away, my accounts, cell phones, etc being hacked, abused, by my own family to control me, stop me from moving forward. i have no one else to go and reported it to FTC, IRS, all other sources to get as nothing is being done. My mail is being witherld by my family and what they're doing is illegal, geting away with because they have the funds to do it with some authority figures involved. I need help with this matter because I'm stuck and no one is helping me. Thank you. 

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

This afternoon, I discovered unauthorized inquiries on my credit report, and I have no idea why they are there. I always check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser hoping it was a glitch, but the inquiries remained. I'm extremely frustrated and asking for a thorough review of the documents Ive provided so that I never have to worry about this happening again.
Product: Debt collection

The company AR Resources Inc placed a collection on my file after it has been deleted due to identify fraud. I sent a letter requesting the account to be validated, with proof of my signature on a contract or agreement. The company just recently posted a charge of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX-XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, Account # 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 instructions
Product: Credit reporting or other personal consumer reports

I XXXX XXXX AUTHORIZED REPRESENTATIVE ( POA ) HAVE ALL RIGHTS TO ADDRESS ANY ALL ACCOUNTS ON MY CREDIT REPORT. NOT NO CORPORATIONS ( DEAD ENTITY ) should never speak or report without my consent. I HAVE IRS TRANSCRIPT THAT SERVE AS MY AFFIDAVIT THAT IM THE POWER OF ATTORNEY OF MY ACCOUNTS, AFFAIRS, and ETC OF MY ESTATE. I DO HAVE XXXX XXXXXXXX XXXX TRANSCRIPT TO PROVE THAT THIS DEBT BEEN DISCHARGED AND SHOULD BE UPDATED ON MY CREDIT REPORT AS PAID IN FULL WITH A XXXX BALANCE ON ALL AGENCIES CREDIT REPORT : XXXX, XXXX, TRANSUNION. Im giving them 10 DAYS TO FIX THIS ISSUE IMMEDIATELY! This is defamation of Character which carry a heavy penalty on my credit report that will be handled in XXXX XXXX cause Im a living sovereign man.
Product: Credit reporting or other personal consumer reports

I must admit it finds me far from pleased. My recent perusal of my XXXX, XXXX, and XXXX credit reports has revealed some rather distressing discrepancies. It appears that certain transactions have been posted on my credit report, which I firmly believe contravene federal laws designed to safeguard the accuracy and fairness of consumer reports. 

It is my contention that your company 's actions in this regard constitute a clear violation of the Fair Credit Reporting Act ( FCRA ) and XXXX Compliance. 
Per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a " consumer report '' explicitly excludes " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' This, in my understanding, blatantly runs afoul of the aforementioned FCRA provision, as these transactions exclusively involve interactions between myself and your corporation. 
In accordance with XXXX compliance standards, I kindly request that you provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist on the immediate removal of the transactions reported in XXXX and XXXX from my consumer reports, as they are in clear violation of federal law. 
Before you consider responding with a request for validation, please understand that my query does not pertain to validation or verification. I expect no further delay in addressing these pressing concerns.
Product: Mortgage

CapitalOne LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. This time, they claim they have no authorization on file for us. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Today, CapitalOne told us they can not speak to us as there is no authorization on file. ... ... ... What happened to it? Did it go to the Land of the Lost Dryer Socks? 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as not delete documents from their files, how can anyone condone their continued existance in the real estate and financial business? 

Or -- -- is this retaliation for the last CFPB complaint we filed against them? ( I attached that here as well )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I experienced difficulty signing in to My XXXX  XXXX video, I was instructed to go online for Sign in help. I unfortunately opened a fraudulent site and the person stated how can I help with your account.. He then hacked my bank account checking and savings which I had for 31yrs ... My checking account on a monthly basis had roughly 10 transactions a month. Never doing wire transfer XXXX payments and certainly not 33 bizarre transactions and closing my account in one day.. 
There was absolutely no Fraud monitoring and I definitely did not get Zero liability. 
I hung up called chase Bank immediately and told them freeze my account. They did not they allowed my monies to be wire transferred, XXXX payments etc for 4 days!! 
After I sent XXXX XXXX XXXX of Chase a letter I received a letter back with no signature, however telling me its my problem not theirs. 
I appreciate anything you can do to recover my money as I was furloughed and living off of unemployment and social security
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX and XXXX for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, XXXX has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to XXXX 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about XXXX 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that XXXX adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to XXXX, Experian and XXXX dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.
Product: Student loan

I became XXXX before I could even use my degree and my husband was in an accident that left him XXXX so we had no income at all for a while .I was told that my only way out was forbearance which I did n't understand but agreed to..I am now unable to work, my husband passed away and I am raising my XXXX year old. I asked for the forms for loan forgiveness but have received nothing.
Product: Credit reporting or other personal consumer reports

For the past two years I have disputed my personal name, address and accounts that were in clear violation with reason and code to TransUnion and XXXX to which they updated with no change or verified without providing any information on how they verified the information. These two companies are not doing any investigation and when I called XXXX XX/XX/2023 I was actually told by a customer service representative that one of my accounts was verified by the actual Account that was in dispute. I asked them how can an account in dispute investigate their self? She said that that was their process.
Product: Debt collection

This company has contacted a random person on my behalf trying to get my information. 

on XX/XX/year>. They have harrassed and called numerous times to someone trying to locate me. This person has now reached out to me regarding the harrasment. They person 's name calling is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... inaccurate information are reporting on this credit report from XXXX  i have attached a copy to prove it.. EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Debt collection

The collection agency/debt buyer has categorically ignored all attempts to dispute this debt and has merely sent generic letters showing that they are initiating a " review '' of my inquiry. The agency has violated the FCRA and FDCPA by not properly marking the debt as in dispute. They should be prosecuted to the fullest extent of the law. 

On or about XX/XX/XXXX they placed a fraudulent trade on my bureau alleging I owe Capital One. I do not. 

I sent letters disputing the debt as fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was ignored each and every time. 

I disputed with the bureaus and they merely verified, knowing full well I did not open the account.
Product: Credit card

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account
Product: Credit reporting or other personal consumer reports

My complaint is regarding XXXX XXXX XXXX, that pull an inquiries on my credit report and I am current in a process of buying a house next for the closing and I would like those inquiries to be removed out of my report. Thank you
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Nordstrom Customer Service Subject : Rebuttal to Case No. XXXX Dear Nordstrom Customer Service , I appreciate your prompt response to my complaint regarding the alleged fraudulent charges on my Nordstrom account XXXX in XXXX. However, I must respectfully disagree with the findings of your investigation. 

Firstly, neither I nor my authorized user, XXXX XXXX, made the charge in question or received any benefit from it. I understand that the order was placed using XXXX name, but I firmly believe that this does not equate to authorization for the transaction, especially given the circumstances surrounding it. 

Furthermore, the shipping address you providedXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXXdoes not match my address, which raises serious concerns about the legitimacy of the transaction. The address associated with my Nordstrom account is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, which is different from the address where the order was shipped. This discrepancy suggests that the transaction was not initiated by either myself or XXXX. 

In addition, I would like to draw your attention to the Fair Credit Billing Act ( FCBA ), which protects consumers from unauthorized charges and provides a mechanism for disputing billing errors. Under the FCBA, consumers are not liable for unauthorized charges if they report them in a timely manner. Given that I have reported these charges as unauthorized, I believe that I am protected under this legislation. 

Moreover, I would like to highlight your obligations regarding credit card fraud liability. As you know, liability for fraudulent charges is limited to {$50.00} under federal law, but in cases of unauthorized use, many issuers waive even that amount. Since I have not authorized the transaction in question, I maintain that I should not be held liable for these charges. 

To further support my claim, I am requesting verified signatures that demonstrate either myself or my authorized user made the charges and received any benefits from them. The specific charge dates in question are XX/XX/XXXX, for {$290.00} and {$1600.00}, and XX/XX/XXXX, for {$88.00}. I believe that this documentation is essential to resolving this matter fairly. 

I am requesting a second review of this case with a more thorough examination of the evidence and circumstances surrounding these transactions. I believe there may be additional relevant information that can clarify this matter further. 

Thank you for your attention to this issue. I look forward to your response and hope for a resolution that reflects a fair assessment of the situation. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I have tried numerous times for this company to provide original information on this debt that keeps being reported on my credit report as current. I have sent letters to both the credit bureaus and the debtors with the response only indicating that this message " Account information disputed by the consumer, meets FCRA requirements ' If I owe this debt and if it is legitimate I will make my self responsible as long as I see original proof of dates, and, amounts. They have yet failed to respond or fulfilled my request and account keeps impacting my score negatively.
Product: Credit reporting or other personal consumer reports

XXXX is still reporting to the credit bureau even though my loans were transferred to XXXX, and because of that my credit scores tanked. I'm no longer qualified for a mortgage loan because of that issue.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX ) 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