23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive never had a contract with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete immediately I demand that you cease all collection activities regarding this debt and delete any adverse reporting to any consumer reporting agency or I'll report your actions to the State Attorney Generals office and the department who licenses debt collection companies in my state. 
Please send a letter stating that you will delete and stop reporting adverse information to any and all consumer reporting company and comply with my demands.

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, sending generic billing statements is not proof but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Removal of Unauthorized Inquiry Pursuant to 18 USC 1028A Dear Equifax , I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report as listed by Equifax Information Services LLC . This inquiry appears to be in violation of 18 USC 1028A, which pertains to identity theft and related offenses. 

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX Inquiry Information : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX Explanation of Dispute : Upon reviewing my credit report, I discovered inquiries listed from the above-mentioned companies on the specified date. However, I did not authorize these inquiries, nor do I have any affiliation with the company in question. These unauthorized inquiries raise serious concerns regarding potential identity theft, which is a violation of federal law under 18 USC 1028A. 

As a consumer protected by federal law, I request that Equifax Information Services LLC conduct a thorough investigation into this matter and promptly remove the unauthorized inquiries from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take all necessary steps to ensure the protection of my personal information and credit profile. 

Enclosed with this letter are copies of documents supporting my claim, including but not limited to proof of identity and any additional evidence relevant to this matter. 

Please provide me with written confirmation once the investigation is complete and the unauthorized inquiries have been removed from my credit report. 

Thank you for your prompt attention to this matter. Should you require any further information, please do not hesitate to contact me at the above-listed address, email, or phone number. 

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

I would like my first deliquency date to be accurate on ALL MY CREDIT REPORTS. 

Its hard to get rid of late payment status if they are not reporting my account as accurate as possible. 

My first deliquency date was in XX/XX/XXXX per the Loan company. However, none my credit report has my first deliquency date, which is making this loan and late payments carry on longer then it should. PLEASE PLEASE ADD my dates. 

I ADDED a document sent from them ( Email XX/XX/XXXX ) that list the first date delinquent.
Product: Credit card

I opened an account with XXXX for a Walmart credit card and made one large purchase in XXXX 2015. I called around the end of XXXX/ beginning of XXXX to say that I do n't believe that I have received a bill. The person took my checking account info on the phone and ran the account and I set up auto pay. I thereafter found out that the checking account number that was entered was wrong and attempted to correct. I have made payments every month and have attached payment history.
Product: Checking or savings account

I was charged two {$34.00} overdraft fees from Chase on XX/XX/XXXX, one {$34.00} fee on XX/XX/XXXX, and then an extended overdraft fee of {$15.00} on XX/XX/XXXX. 

Beginning on XX/XX/XXXX there was an available balance of {$34.00} in my account. On XX/XX/XXXX an ACH charge went through for {$47.00}, which brought my account down to XXXX. After this, another ACH charge of {$29.00} went through which then brought my account down further to - {$42.00}. In response, I was hit with the two back to back overdraft fees for {$34.00} each, bringing my account down to - {$110.00}. On XX/XX/XXXX another ACH charge of {$13.00} hit my account bringing it to down to - {$120.00}, which triggered another {$34.00} overdraft fee, bringing my account down to - {$150.00}, before being hit with the extended overdraft fee of {$15.00} on XX/XX/XXXX, bringing my account balance to {$170.00} before I obtained enough funds to cover the negative balance. 

I immediately called Chase, but was informed that I had reached my annual fee reversal limit, and that I could not have these fee 's reversed until XX/XX/XXXX. When I asked if they could simply waive them early due to the severity of the situation they declined. I waited a little while longer to call as I believed I could get a manager on the phone to waive them as I have had done multiple times in the past. However, I was told that this wasn't permitted but that I could try going into a branch to " have them waive it there ''. Why would they tell me to go into a branch instead of doing it themselves.This is an obvious case of " the run-around. '' Chase never called or notified me about my negative account status except by email, which is not checked everyday. I received no call from them or even a letter. Rather, Chase just continued to let this happen so that they could rack up more fees. This is a predatory banking practice that should not be permitted to occur. A policy is a policy, so why am I am being told of possible ways to get around it, only to be told no once more. This only breeds false hope, which is extremely unethical behavior and a waste of my time.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE SECURITY FREEZE ON MY CREDIT REPORT. SEE ATTACHED DOCUMENT.
Product: Credit card

Take a look at the documents provided. I am urging the bureau to begin an investigation into these accounts, as they inaccurately portray me as late.
Product: Credit reporting or other personal consumer reports

I filed a dispute on # XXXX, KOVO INC due to the reason you selected in your original disputeXX/XX/XXXXdenied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XX/XX/XXXX ) .They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months I have been checking my consumer reports with XXXX, XXXX and Transunion. In XXXX XXXX XXXX, I have reviewed my latest consumer report. I am aware that there are unauthorized hard inquires that was placed on my file without my consent. According to many acts such as the GLBA ( Gramm-Leach-Bliley Act ) your agents/representatives are not safeguarding my sensitive data. 
I have spoken to the agents of all bureaus to have these inquires removed from my files within 15 days. An FTC report is included with this complaint. I expect for the following inquiries removed from all 3 credit reporting agencies IMMEDIATELY. I am opting out as of today XX/XX/XXXX for the reporting of the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTARTMENT OF EDU XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX Navient Office of the Customer Advocate XXXX XXXX XXXX, PA XXXX Account # XXXX RE : Income-based repayment plans Account # XXXX Good day, I have received my new IBR payment information, and wish to inform you that you have miscalculated. Last years XXXX income-based repayment amount was XXXX and based on my salary of {$65000.00}. This year, you have raised the supposedly income-based repayment up to {$710.00}? The increase seems excessive, as based on the 10 % of gross income formula the correct amount would be much closer to {$590.00}. 

Your company has deliberately withheld the necessary information for getting that recalculation done for MONTHS, ignored my letter to do so and ample information regarding my current income, and continued to overcharge me. I am including a new IBR request and a copy of a recent paycheck. You will IMMEDIATELY recalculate my IBR based on my actual income, as you have been asked to do multiple times over the last few months. 

I live in XXXX, which currently has one of the highest costs of living in the nation, and can not be expected to sit by quietly while you take more than your due. I have never missed a payment to anyone who has held my loans ( including XXXX XXXX, who dispersed my loans to debt collectors rather than obey the laws regarding IBR ), and except for a few brief deferments have been paying steadily since the year XXXX. I would like to know when I might reasonably expect loan forgiveness from Navient, as it is usually offered after 20-25 years. 

And, by law, you only have a right to only 15 % of my DISCRETIONARY income ( which amounts to approximately $ XXXXmonth after expenses ), and NOT 15 % or greater of my gross income, you will abide by the law, and immediately adjust the IBR amount down to the expected amount. I am happy to provide receipts as required to prove the amount of my discretionary income.

Kindly respond in writing, so that I may share your answer with all those I have Ccd on this letter. Thank you for your attention to this matter, and its rapid resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraud and do n't belong to me. I have disputed with Equifax, XXXX XXXX & XXXX a number of times and it comes back as verified. But Equifax ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and Im not sure why. When I reviewed my credit report, as I regularly do, I noticed unexpected discrepancies. Refreshing my browser didnt remove these inquiries. Hence, Im asking for a thorough review of the documents Ive submitted to prevent future worries.
Product: Debt collection

XXXX in XXXX, Az, erroneously sicced Southwest Credit Systems on us for a nonexistent amount owed. XXXX has conceded three times on the phone that the " debt '' is a mistake and that I am owed a small balance. Despite this and despite attempts to get Southwest Credit to leave us alone, reps of the collection agency call us just about every day, sometimes multiple times, except on Sundays. Southwest Credit also refuses to discuss the matter unless I provide personal information that I am unwilling to divulge over the phone in this age of identity theft. Southwest Credit is a rapacious, annoying and unreasonable collection agency that must stop its practices toward me.
Product: Debt collection

I have close to XXXX $ in my name because someone stole my identity. The credit beaures and collection agencies refuse to work with me and im at a loss and dont kno what to do
Product: Credit reporting or other personal consumer reports

ACCOUNT OPENED FRAUDUANTLY DUE TO DATA BREACHES
Product: Credit card

My credit card is with XXXX XXXX ( Comenity bank ) My payment was XXXX days late. i.e the received it on XX/XX/year> instead of XX/XX/year>. I was hit with a late fee which I called and they took off. However I was not informed at the time that I will own {$2.00} finance charges on this late fee. Since I did not use this CC I did not check my statements. Now I am hit with {$130.00} late fee and interest stemming from the {$2.00} finance charge. I have called them multiple times asking to take some charge off it without any use. I have paid the full amount now but I want you to intervene and get part or all of this late fee reimbursed. 
Thanks
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with XXXX, TransUnion, and XXXX. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that XXXX, TransUnion, and XXXX rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I returned the company 's repeated calls and was told this was a debt that was for a XXXX XXXX XXXX XXXX XXXX XXXX card that went into default while I was very ill with XXXX and unable to perform my full job duties. I asked the representative to uphold the last offer amount from another collector of XXXX and they demanded to know when I could pay. They said they could honor that offer but would have to pay by end of month. I asked for them to send it to me in writing so that I could fit the payment into my budget and also know it was a legit company. I had an issue with paying a company before that ended up not holding the debt. They would not send it then another person got on the line names XXXX XXXX who said he is the General Manager. I asked him to send the settlement offer to me so I could review it and he demanded to know when I would pay. I told him the other gentleman had told me by the XXXX and he said he wouldn't send the information until I gave him a date. I kept repeating " by the XXXX '' He said things like I don't have the money and other things along those lines. I kept telling him I simply wanted it in writing that they had agreed to the settlement and a way to securely pay online. I didn't want to give the my bank info since they were not being up and up by agreeing to give the info in writing, They kept laughing/giggling and being disrespectful. I tried to explain that my husband is like a toddler right now after having a XXXX XXXXXXXX XXXX and I was not sure the exact date I would be able to sit down and pay bills. They claimed at the end of the cal that they emailed the offer to me and I have yet to receive anything. XXXX said things in veiled threats like " you are on a recorded line and said you have the money ''. I never disputed I owed the money. I just wanted to be able to pay securely and have the offer in writing. I am cleaning up a lot of debt and issues that occured when I had covid and medical bills etc as a result
Product: Payday loan, title loan, or personal loan

I called the company last month to let them know I cant refinance my loan and the said they knew its a problem with the banking system and they I. T. was working on it. Then I tried it again last week same thing but every two weeks they still manage to take money out of my account. So the banking is not that mess up.
Product: Debt collection

I was sent a debt collection notice on XX/XX/2019 because my XXXX  didn't work while I was driving in XXXX 2019. Because I was moving around, I didn't hear back from Delaware DOT and it was sent to debt collection. I mailed them a letter ( drafted using the XXXX website ) on XX/XX/2019 asking for more information about the debt, but heard nothing back. I sent another letter in XX/XX/2019 and heard nothing back. I received a letter from them dated XXXX XXXX that said " 2nd Collection Notice ''. I called them back and asked them why they didn't reply to my two previous inquiries. They said they couldn't mail me back unless I lifted the case and desist letter. The customer service representative said they were going to mail the information I asked for, but then stopped when they received a Cease and Desist letter. I then asked how I got another letter, and they said they did not know. I asked to speak with a supervisor and the supervisor said they had no record of me asking for information about the debt. She gave me another PO Box number which was different from the letter PO Box number on the mail I received. She said she would file a dispute and an investigation.
Product: Credit reporting or other personal consumer reports

re : bankruptcy file number XXXX After checking my report I saw there's a bankruptcy listed on my report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the info with the ORIGINAL CREDITOR, they must remove the information from the credit file.

I have received documentation from the bankruptcy court ( the ORIGINAL CREDITOR ) in the mail stating that they DON'T and DIDN'T provide any information to the CRA 's, nor do they ever validate or confirm public records. 

XXXX XXXX has given you documents or information they themselves can't validate or verify, which is this public record. Third party providers or CRA 's collect information regarding public cases or public records, it is NEVER validated by the Recorder of Deeds nor the US Court System due to the FCRA Privacy Law.

At this moment, you are breaking the law and committing fraud because this info has never been validated or verified and its a violation of 15 USC 1681a ( e ) An investigative credit report is when any portion if information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also, I'm also being violated pursuant to 15 USC 1681b ( a ) ( 2 ) considering you do not have my consent to furnish my information as well as 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 

Your fraudulent activity and continuous violations are causing me injury because it preventing me from obtaining credit to support and sustain my family. I need to bankruptcy information to be permanently deleted and removed from my report immediately and if this unauthorized public record information is not deleted from my report in the next 30 days, I will be filing a complaint to the FTC. 

Failure to respond in a satisfactory manner within 30 days of receipt of this complaint will result in a small claims action against your company and I will be seeking no less than {$5000.00} in damages for but not limited to : Defamation, Negligent Enhancement of Identity Fraud, Violaton of the FCRA and Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.
Product: Credit card or prepaid card

The first credit card I applied for never arrived when it was suppose to in 7 to 10 days so, I called for a replacement card and then the hard inquiry appeared on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX