23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXXXXXXXXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I sent my IDR application to Mohela to get out of the forced forbearance with XXXX XXXX, but they refuse to process it, and are blaming the courts, which is likely illegal- per their usual M.O.. Mohela is a criminal organization trying to steer me in the wrong direction and block my chances of XXXX at every turn with their willful incompetence.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to Transition because they have incorrect information on my credit report. The address they have is XXXX XXXX XXXX I have never lived at this address they also have my employment as XXXX XXXX XXXX XXXX XXXX  I do not work at these places. 

My address is and has always been : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  clearly identifying their violations of my consumer rights in the letter I sent and demanding the deletion of this loan on my consumer report. XXXX has sent a letter back disregarding my letter in completion and all that I stated saying that they will not be conducting an investigation even though I have supplied them with all the Fair Credit report laws that the company was in violation of. 

The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX did not disclose this information to me that is required by federal law. 
XXXX XXXX  and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
XXXX  knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

Please see attached the letter sent to XXXX  addressing this violation and their letter back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, XXXX and Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, XXXX  and Transuion but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX  and Transuion on XX/XX/2018 and was told XXXX never contacted them.
Product: Debt collection

I hope this letter finds you well. I am writing to dispute an account that I believe to be fraudulent and associated with your services, as it has appeared on my credit report. I kindly request that you investigate this matter promptly and take the necessary steps to remove the fraudulent account JPMCB - CARD SERVICE XXXX from my credit report. I am taking immediate action to address this issue by disputing the account 's validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and not associated with me. I have no knowledge of them. Please take immediate action to address and remove them from my credit report. Supporting documents have been attached for your reference.
Product: Credit reporting or other personal consumer reports

I called XXXX  company about getting the account out of charge off status and asked about making payments on the account. I made a payment in XXXX and XXXX. Today, I received an alert from TransUnion saying that the balance of the account has increased and my credit score has also decreased. Im not sure why my balance would increase if I am making payments. The balance hasnt changed in the past when I wasnt making payments so why would it be increasing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in XX/XX/XXXX from XXXX XXXX advising that my credit card application was declined, but I never submitted an application. I sent a letter to XXXX XX/XX/XXXX XX/XX/XXXX advising that I never submitted an application and asked them to remove the inquiry. I also asked for a copy of the application. They responded on XX/XX/XXXX advising that the application was completed on XX/XX/XXXX, but did not provide the application as requested. This information is false. I never applied for a credit card with XXXX XXXX and I want the inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three bureau 's, XXXX XXXX, and Experian previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I am now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( XXXX, Experian and XXXX ). They all claim that they are partners with these credit bureaus. 

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.
Product: Checking or savings account

My wallet was stolen in XX/XX/XXXX between XXXX XXXX and XXXX XXXX  in downtown XXXX XXXX. I discovered this because a charge went through at the nearby XXXX store for {$1000.00}. The person then continued to try and charge the rest of may cards all throughout the night ( thankfully those were denied as the limit was too high on them to allow the charges ). I reported this to my bank, XXXX  XXXX and called XXXX immediately and blocked my card online using the mobile app. In order to pay for things until I got my new card, I used online services ( XXXX, XXXX, XXXX XXXX ) while unblocking to make the transaction and then blocking again once I had to ensure no further unauthorized charges going through. I filed a police report, sent in documentation of my attendance at a makeup appointment that lasted from XXXX to XXXX XXXX ( the charge came through at XXXX XXXX ) and provided the makeup artists name and number to my bank. I also sent the other fraud notifications that I received. I can prove where I was the entire night through various other records but none of this was requested by the bank before they denied my claim outright, stating that because I used the card after the false transaction occurred that there was no error. This is patently false as I explained that I was using the card online, not my live card. I had no other way to pay for things since my card was taken. After explaining this, they reopened my claim, but have yet to provide any service around the fraud report, will not answer my emails and gave me an exploding deadline of XX/XX/XXXX, the week of XXXX to provide " more information that substantiates my case '' but have given no guidance about what information they need. To this reply I sent the evidence that the purchases made after the fraudulent transaction were made from my phone and not with a live card as the fraud person claimed. I am very frustrated and also out {$1000.00} after being financially abused by this person, and then my bank. Please help
Product: Debt collection

XX/XX/XXXX called XXXX XXXX spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at XXXX
Product: Payday loan, title loan, or personal loan

I had a loan with DISCOVER PERSONAL LOANS and due to XXXX XXXX and relocation and provided discover with updated address to receive bills but never arrive.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States that I have right to privacy.

15 U.S.C 1681 Section 604 A Section A section 2 : 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 items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit report. The details of the account are as follows : Creditor Name : XXXX XXXX Account Number : XXXX There are several inaccuracies associated with this account, which I request to be investigated and corrected : Discrepancy in Amount Owed : The credit report shows that I owe {$16000.00}, but the attached letter from XXXX XXXX indicates an amount financed to only {$16000.00} Additionally, the credit report lists the amount owed as {$16000.00}, while the contract with XXXX XXXX states the amount is actually {$16000.00} Balance Reporting After Charge-Off : The account status indicates a charge-off of {$16000.00} written off, yet it is still reported as past due. This dual reporting is misleading and is a violation of 15 USC 1681c ( a ) ( 4 ), which emphasizes accurate and complete reporting of account statuses. 
Incorrect Personal Information : The account was opened using a different address, email, and phone number than mine. The fraudulent information used is : o Address : XXXX XXXX, XXXX, Texas XXXX o Email : XXXX o Phone Number : XXXX My actual information during the time this account was opened is : o Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX o Email : XXXX o Phone Number : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1400.00} & {$2100.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 
XXXX XXXX XXXX XXXX and 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX 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 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute Experian 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXX XXXX Account XXXX Error : Improper account information reported. 

It appears that Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 
Please note that I expect a response within the 30-day timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX Credit card. I lost my job and was unable to pay. I tried setting up payment options was told that I had until XX/XX/XXXX before the account Charged off. I checked XXXX XXXX on the second week of XXXX and it stated that I was in a Charge Off status. I talked to a representative today XX/XX/XXXX and was told it didn't charge off until XX/XX/XXXX. So I have been mislead in when it would charge off and the fact that it has been reported since XXXX is incorrect and need a to be corrected.
Product: Checking or savings account

My account with Navy Federal Credit Union has been fined numerous times for over draft fees. I received fees when my payment appeared as deposited into my account and show in my balance, but was actually pending and cause overdraft fees.
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. 

Account name : XXXXXXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX  Account number : # XXXX, Account name : XXXXXXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account number : # XXXX, Account name : XXXX XXXX Account number XXXX XXXX XXXX has violated my rights. 


XXXX5 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 or has reasonable cause to believe that the information is inaccurate.