23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule XXXX XXXX XXXX XXXX ( XXXX ) XXXX -- XXXX ( XXXX ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items 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 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

STATE EMPLOYEES CREDIT U- Account Current Balance XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- XXXX XXXX Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : XXXX XXXX XXXX XXXXAccount 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-Account Current Balance : XXXX XXXX XXXX XXXXXXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows o
r has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a formal complaint against Transunion for not investigating and removing the errors and inaccuracies from my credit report. Transuion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved. I am not familiar with the majority of these companies and I have yet to see any proof that these accounts belong to me or that I owe these companies anything. They are also in clear violation of Metro 2 compliance as I have pointed out in my dispute letters but they haven't responded or shown me any proof. Please help me get these negative accounts removed from my report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$4300.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i sent letters to XXXX XXXX XXXX acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXXXX XXXX. I have also sent copies of debt validation letters to Exquifax XXXX   and XXXX  only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by XXXX XXXX XXXX. 

XXXX  has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XXXX  case # XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.
Product: Mortgage

We applied for assistance / modification on XXXX XXXX, XXXX. We submitted more than enough paperwork for eight months. We are going to have to sell the house if we don't get the modification which is fine. But they won't give us a answer. 

This loan was generated in predatory lending times XXXX. For the last 9 years they keep us in a modification, but now won't let us be in the modification. 

I work for a different mortgage company. My wife and I provided over XXXX months of paperwork. Tax returns, bank statements, lease agreements, etc...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 card or prepaid card

I would submit a payment to Capital one credit card and they would not take it out of my checking account after submitting my payment for up to 2 weeks later. They would then charge me late fees, interest and then finally said my card was closed due to fraud. That didn't stop them from still charging my card more fees penalties and interest toa total of over {$200.00} on a XXXX dollar credit limit. I paid them off and asked for a refund which they refused. they also placed this garbage on my credit report.
Product: Credit card

I received an unsolicited credit card from FORTIVA Credit Card. I immediately shredded the card. I never activated the card. Now I am receiving statements with an annual fee and interest charges because I haven't paid it. 

I called them XXXX  about this. I ask them to fix the problem. I did get an email that the account had been closed. I asked them how they could close an account that was never opened. The next time I called them I was told they would send me a statement with a {$0.00} balance. That has never happened because I'm getting new statements with the annual fee and interest. 

This is a scam and fraudulent. I don't know what else to do. I honestly never activated the card and don't know how I could have activated it since the card was shredded along with the correspondence they included. 

Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have reached out to Chase regarding a late payment fee that was put on my account. I was unable to pay my account in a timely manner for XXXX 2021-XXXX 2021, which made me receive the late mark for XXXX. I fell ill due to XXXX, which lead me to not be able to work. I reached out to Chase and a representative ensured me that I wouldnt receive any late marks if I paid my XXXX 2021 bill, so I paid it and it didnt make a difference on the reporting because it was still marked late. I have been a card holder with Chase for many years and have always paid my account on time. Im hoping this will help my case when it comes to this late remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the XXXX XXXX XXXX Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  XXXX XXXX XXXX XXXX XXXX counter stating they would settle for {$10000.00} XXXX increased the amount after knowing that I was in the process of buying a resident.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts, inquiries and addresses that don't belong to me. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX; Experian and XXXX  are reporting duplicate entries for a collection/charge-off in the amount of XXXX on the the XXXX XXXX – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have conscientiously adhered to all necessary steps in disputing these accounts. Upon reaching out to the bank, they assured me that the matter had been resolved. Law enforcement has been informed, and I have submitted a valid report and affidavit, which they have verified. XXXX has fulfilled its legal obligations and eliminated the accounts from my record. However, TransUnion persists in presenting obstacles, asserting that I have not fulfilled all requisite procedures. 

Despite submitting my claim to TransUnion multiple times over the past six months, I remain at an impasse. Each time, I receive a dismissive response, claiming that the provided documents are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation into this matter, as it appears that TransUnion is failing to fulfill its legal obligation to process the identity theft report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. AMSHER COLLECTION SERVICES is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.

15 U.S. Code 1692e - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX are continuing to verify my accounts & they are inaccurate. A proper investigation is supposed to take place before verifying each item is accurate which I know has not been done because Im supposed to be interviewed as well as my neighbors per the FCRA. A proper investigation needs to be done where theyre not investigating themselves & saying that they verified & its correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm requesting removal of the fake accounts and information from my credit file by filing this CFPB complaint. I'm writing to you now to let you know that identity theft happened to me. You must take away any things that are discovered to be fraudulent or items that were the consequence of identity theft in accordance with FCRA section 605b. Please locate the necessary paperwork to help with the removal of the false information that is being placed to my report. The following objects were either opened without my permission or do not belong to me : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by FCRA Section XXXX ( a ), Credit Bureaus must block any information in a consumer 's file that the consumer claims was obtained through identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

My account with the XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 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. 

This company 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: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Rocket Mortgage called under false pretense ( about the timing of my mortgage payment being paid at the end of the month ). I told the female I usually make a payment at the end of month as that's when I get my XXXX  XXXX check. I made my usual payment including late fee at the end of the month, then Rocket Mortgage charged my account for the same amount and overcharged my bank account. Now they won't refund my money.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get this inaccurate alleged account removed from my consumer report. Equifax and XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Credit reporting

I ca n't get ahold of experian I never agreed to a monthly credit monitoring and they have charged me XXXX for 6 months and I want my money back. I was misled by them. I thought my credit report was free. I was able to log in and cancel my membership. I do n't get a paper statement from my bank so I never checked it. I am so mad!!! 

Thank you XXXX Ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

Right after  XXXX   XXXX , 2017, I contact a mortgage company,   XXXX   XXXX   to discuss refinancing of my mortgage. While I was on the phone I gave the loan officer permission to pull my credit report from Equifax. I was advised that they were unable to pull it because I had a fraud alert on my file. I advised him, yes I do and I will remove it. I have the Equifax Complete Premier Plan. The Plan is suppose to allow me to put on and remove alerts, any alert that is on my account. I called several times and spoke with overseas customer service agents who assured me that the fraud alert had been removed. At least 3 overseas agents told me this. I contacted the Loan Officer and they still could not get into my file. The Fraud Alert was still showing. The next time I called I asked the overseas agent to transfer me to a customer service agent n the USA. They did and I spoke with  XXXX  telling her the problem I was having. I told her every person I have spoken with told me the Fraud Alert was removed. She apologized and told me told me she would send a request to their IT department to get this corrected, it would take about 7days. I told her that everyone is telling me that the alert has been removed, but it still shows " ON '' on my laptop. She gave me a reference #  XXXX . I got a letter yesterday from Equifax dated  XXXX   XXXX , 2017 saying the FRAUD ALERT has been removed.  XX/XX/XXXX  I got a card from  XXXX  saying they received information from Equifax and the FRAUD ALERT has been added to my file. On XX/XX/XXXX  I got a letter from   XXXX   advising the FRAUD ALERT has been added to my file. Added to my file, I 'm trying to remove the FRAUD ALERT. No one should have to go through this type of terrible service.
I received a call from  XXXX  from Equifax due to a negative review that I gave after my conversation with the last agent I spoke with.  XXXX  apologized and told me, " I would need to send a letter to Equifax requesting they remove the FRAUD ALERT. '' WHAT is going on with Equifax. I mailed the letter that he requested on  XX/XX/XXXX . They have caused such an unnecessary delay in trying to refinance my home. Please help me get this issue resolved.
Product: Credit card

Some one use my credit card without my authorization on XX/XX/2017. The total amount was {$13000.00}. The XXXX fraud department do n't want to show me any documents or proof of this transaction