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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit file. I am a victim of a data breach, and the following accounts were opened or reported without my authorization. Pursuant to 15 USC XXXX ( a ) and FCRA XXXX ( b ), you are required to block and remove these items from my credit file. 
Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> TransUnion :XX/XX/XXXXRE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have a debt collection from XXXX XXXX XXXX who claims I have a credit card account with capital one with a balance of {$420.00}. They say this was opened XXXX of XXXX. I was not of age to open this account nor was this account made under my discretion. I tried disputing several times and called XXXX but they stated they would not remove it unless documented due to me having no form of documentation stating this was under identity theft.
Product: Money transfer, virtual currency, or money service

After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from having a check issued from my over {$1100.00} balance. Paypals claim is that I need to provide them with my bank account number or verify my credit card. I have verified it with their customer support instructions but they claim it is still unverified. My account is the same for the last 10 years, same credit card, same email, same home address. I have even had 2 checks issued to me for {$2000.00} in the past 2 months. Now all of a sudden they claim I am not verified and they want more bank and credit card information from me to be at risk on their site. 
On XX/XX/2009  my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
They picked this time of national crisis to hold customer funds XXXX when it is needed most! 
I want access to my paypal funds with my credit card on file, without putting more banking and personal info at risk.
Product: Credit reporting or other personal consumer reports

Credit bureau has been complicit with XXXX XXXX XXXX reporting inaccurate account status for approximately 3 years. Account disputes results in more inaccurate changes which continues to damage my credit rating. The consistent inaccurate reporting is a defamation of character and is harmful to fair and equitable access to credit. 


XXXX XXXX Actions : XXXX. Account has been charged off since XX/XX/XXXX. 
2. Last Payment Reporting = XX/XX/XXXX. 
3. Account is reporting unrecognized and conflicting payment history compared to payments shown in balance history. 
4. Payment status changes when charge off status is removed, however, balance remains the same or slightly increases. 
5. Each time account is disputed, the credit bureau allows the creditor to change the reporting history without proof or documentation verification. 
XXXX Reporting : The lender has a pattern of reporting positive history to claim charge off for tax fraud. 

1. XX/XX/XXXX reported account as up to date after charge off XX/XX/XXXX. 
2. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
3. Flagged account 30 days past due XX/XX/XXXX after XX/XX/XXXX charge off. 
4. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
5. Flagged account as Charge Off XX/XX/XXXX after charged off XX/XX/XXXX. 
6. Flagged account as Charge Off XX/XX/XXXX after charged off XX/XX/XXXX. 

I have reported the inaccuracies several times to the credit bureau, however no action has been taken. the credit bureau has been complicit in the continued defamation of my character and in violation of FCRA section 609. 

Disputes and dates below : XXXX Results generated XX/XX/XXXX XXXX XXXX submitted XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX I have submitted several complaints via CFPB which resulted in no action being taken. CFPB complain numbers are as follows : 1. XXXX 2. XXXX 3. XXXX 4. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to put a credit report freeze with Experian on XXXX/XXXX/XXXX. They sent me a a message that they could not grant the freeze based on the info that I provided. Neither XXXX nor XXXX had any problem granting the freezes with my information. They said I could up-load the XXXX documents required for my identity. I tried to up-load but they said they could not process the up- loads and to mail the documents to them. I mailed them on XXXX/XXXX/XXXX. I have had no response. I tried to call them on XXXX/XXXX/XXXX and went through their menu on my phone. They responded as though I had made another request for a credit freeze which they said was granted and that they would e-mail me the required PIN. It is XXXX/XXXX/XXXX now and I have not received the PIN.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove all items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no legal contract in place for this account and as part of an agreement handled with XXXX XXXX help the account was settled and to be removed from my file. It has not been removed and is reporting late when the money they were attempting to collect was not covered in a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

United Consumer Finance Services ( UCFS ) account was settled in full after the charge off as of XX/XX/XXXX ; however this company is still reporting to the credit bureau the entire calendar year of XXXX ( late/charge-off ) and in the calendar year XXXX from XXXX to XXXX ( late/charge ) is here is in accurate and this account should be deleted from my credit report immediately.
Product: Checking or savings account

I was informed via text message that the bank was closing my account due to suspicious activity... the bank never called to confirm any activity... I found our it was closes for my access immediately..the day before my direct deposit from social security... We have my income and that of my son in law to support six people in our home. I'm XXXX a widow on social security my daughter who is XXXX and XXXX plus her husband my grandson and his girlfriend and my two greatgrandchildren who are raised by my daughter. 
We live on a very limited income and often have trouble paying the bills and the mortgage..we have payment arrangements with all the utility companies and risk being shut off if a payment is missed ... The bank closed my account 1 day before my direct deposit was credited to my account..They now say I have to wait 10 days before I can even get a check mailed... the utility companies and the mortgage company will not wait ten days for their payment... I will be charged late fees and reconnection fees for all the utilities and a late fee for the mortgage ... I want Chase Bank held to task for their Un caring and insensitive handling of my account... I was currently overdrawn at the bank and the suspicious activity was very convenient in its timing..I feel the bank wanted to dump me as a customer and didn't care what happened to us .they have caused irreparable damage to our lives and are running the risk of our home being foreclosed on which will leave us homeless with no money to secure housing ..my name is XXXX XXXX XXXX Phone number is : XXXX. 
This occurred on Tuesday, XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and XXXX.
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 : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX took me to court in 2022 for a garnishment. They are not on my credit. Right now the original debtors are still on my credit report in collections! They took XXXX in garnishment. They also are trying to collect another XXXX. All of this is illegal! They do not have the original contracts. They are also trying to illegally collect my XXXX pay which by Maryland Debt Collection Act they are breaking the law. They must be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed immediately.
Product: Checking or savings account

I did a transfer using XXXX on XX/XX/2023 that failed but was taken out of my account. I contacted XXXX and they stated that because theyre a payment transfer company and they dont hold funds, I needed to file a dispute with my bank. I did that on XX/XX/2023. On XX/XX/2023, XXXX attempted to refund me and the transaction was decline by XXXX. Ive asked the support team twice why it was declined which would have shortened the 90 day time frame they keep telling me about. They refuse to answer why the transaction was declined and instead keeping trying to explain it can take up to 90 days.
Product: Debt collection

This account is a result of Identify Theft. This should have been removed. I have sent all documentation requested. This claim is about XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It may be a companies policy to report late payments to your consumer report. However according to 15 US code 1681 a paragraph 2 title exclusions sub chapter A 9 Transactions are not included in the consumer report.

A late payment is a form of transitional history, therefore it is a form of transaction.

So by reporting this to my consumer reports violates this law. So you are in violation of the Fair Quarter Reporting Act..

Please update late payments to paid or further actions will accrue
Product: Credit card or prepaid card

My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Product: Credit card

Syncrony Bank very misleading emails after getting their XXXX  month deferred interest offer. Every month they send a email which includes the minimum amount, balance and due date with no indication of when the XXXX  month is ending. CFPB should require the email to include a XXXX month date without having customer look at the statement. It can be anywhere on the email. Syncrony Bank 's business model is about making money from hoping customers forget and don't look at the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXXXXXX XXXX XXXX XXXX  acc XXXX XXXX Bankruptcy chapter 13 reference # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I get paid on the XX/XX/XXXX of each month and my credit payment XXXX of the month. so basically since XXXX they added {$140.00} dollars late fee. So i try to call and fix and get back to my {$75.00} a month payments and they say no pay {$300.00} and if not pay {$75.00} but we still gone charge {$38.00}. no real help like most companies wont let me change the dates or any adjustments to help me get back on track with payments. I contacted them to try to work something out XXXX & XXXX no help at all
Product: Payday loan, title loan, or personal loan

I was told by the company manager that my payment history that is reflecting interest fees is their process. However, the loan that I apply for does not have interest fees until 18 months that was associated through the company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY I HAVE TRYED TO APPLY FOR A STUDENT LOAN FOR MY EDUCATION AND THE FINANCE COMPANY SAYS MY PERSONAL INFORMATION DOES NOT MUTCH WITH LEXISNEXIS. I HAVE TRYED TO CORRECT MY PERSONAL INFORMATION WITH THEM BUT THEY DO NOT WANT TO DO IT. I HAVE SENT THEM MY DRIVER LICENSE MY CURRENT UTILITY BILL AND A BANK STATEMENT. PLEASE HELP ME SO I CAN GET MY STUDENT LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is not right at all what youre doing!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a second request to Experian informing them that I recently had been informed that there were several inquiries that I did not authorize, in the file that Experian maintains under my social security number. Upon reviewing my most recent credit report I see that the inquiries are still listed. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer 's credit file. Experian notified me that they verified the information, but refuses to show me documentation proving how they verified the information, and now refusing to remove the inquiries from my file.
Product: Debt collection

In 2017 I cancelled my cable subscription with XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items I requested they went on and sold this " account '' to RGS Financial ( acct # XXXX ) whom posted this collection account on my credit report.I am once again asking for : '' Debt Validation '' of this account from XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I originally got a payday loan with cash net and this is the second complaint I have filed! I can not get out of this loan and they know that. I have not taken money out of this loan in month and months to try and pay it back I also tried to pay it back with my stimulus but I never received that. The only time I had borrowed more money from cashnet a was to make the payment that was due. My balance is only XXXX XXXX actually its XXXX now after NOT TAKING OUT ANY MONEY and still making payments. I have been making payment arrangements for months because I can not meet the payments that are due. They take out XXXX every two weeks and I physically can not pay that! I have spoken to advisors multiple times they change my due dates which adds interest but they never break down the payments. I have paid cashnets payments before my car payment and power to try and catch up. Where I'm at now I paid cashnet last month and it ended up making my bank account go negative then I had over due fees from my bank. I spoke to an advisor and he moved 2 payments because now I'm behind to thus month. I'm normal people can not pay XXXX dollars in one check. That is insane and they don't do anything about it. My problem is I can't pay XXXX every two weeks I was advised to speak to collections at cash net, and they emailed me back saying there was a payment plan set up but that doesn't solve the problem it puts me back where I was last month. I can't keep going negative in my account so I can pay cash net and my power bill because a balance for XXXX  is not that much and they expect half of my paycheck every two weeks and it can not happen. I have proof for trying to just have smaller payments or 1 payment and they told me no. I'm drowning, physically drowning and I am struggling. They don't care and won't work on it with me. Here 's proof of the fake customer service the provide. It is fake because they seem nice like they will help you but they will push a payment back only for you to owe more and they make it IMPOSSIBLE to catch up. I have been asking them to help me for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against Transunion for failure to fully investigate my complaint, Transunion response was that they reinvestigated and updated my file based upon the reinvestigation, and they provided documentation to reflect their response, however my credit score remained the same.

It appeared that Transunion removed the derogatory information from my file, however whenever I check my credit score, it states that my credit score is reflective of 2 late payments, the same late payments that should have been removed from my credit file.

Transunion appeared to remove the late payments from my credit report, however they are still using the late payments to determine my credit score.
Product: Credit reporting or other personal consumer reports

Source XXXX AMEX  Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX ( XXXX ) XXXX AMERICAN EXPRESS XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX per month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX points in one fell swoop? From XXXX to XXXX? 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.