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

On XX/XX/XXXX of this year i wrote a letter to Transunion to notify the Elaborate mechanism that they are indeed Reporting fraudulent information By Reporting a Late Payment on to my consumer Report without Permissible Purpose & Violating My Right To Privacy, Thus Ruining my reputation. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

I Explicitly Stated within the Letter in which i Wrote to Transunion that I, the Consumer never Gave them ANY Permission to Disclose ANY Late Payment information on to my Consumer Report. No Consent is AGGRAVATED IDENTITY Theft. 

No Consent is An Invasion to my Privacy as a Consumer. 
I have a Right To Privacy Pursuant To Federal Law and The Company Transunion has completely Disregarded my Right and The LAW Simultaneously. 

Their Negligence to Comply with Federal law has caused me Emotional Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. Their disregard for Federal law & Deceptive Practices is Causing me to lose trust within the Banking System.
Product: Checking or savings account

The Account has been restricted since XX/XX/XXXX. The bank deposited and withheld {$600.00} stimulus refund from consumer which was deposited on XX/XX/XXXX. XXXX is obligated by law to have those funds. When speaking with the IRS in regard to issuance, it was in fact informed that Capital One should have returned those funds to the IRS because the account was restricted upon deposit and they did not. When speaking with Capital One on today XX/XX/XXXX a representative by the name of XXXX informed consumer that she does not have authorization to those funds because of the account having a negative balance. However, on the opening message to consumers when calling Capital One it states that any stimulus, or child tax XXXX XXXX payments that are deposited into a restricted account are returned to the IRS. I am by law entitled to these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX addressed to Equifax and XXXX Credit Bureaus to have the unauthorized inquiries removed from my Credit File. I was a victim of Identity Theft and I never authorized these inquiries neither allowed anyone to inquire on my behalf. Of all the letters I have been sending to the Credit Bureaus, the Credit Bureaus have also kept ignoring my letters. I am disappointed by these actions done by the Credit Bureaus. These inquiries must be removed under the FCRA section 605b : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4. XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes in light of the CFPB lawsuit. Zelles lack of accountability and transparency raises concerns as a consumer.
Product: Credit reporting or other personal consumer reports

This account is supposed to be closed yet it is saying it is not paid, and hurting my XXXX XXXX. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My XXXX  XXXX cards and my XXXX card are now being paid off with monthly payments.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : number : XXXX
Product: Checking or savings account

I had bank with XXXX then I started to notice transactions that where not made by me in other states never explained why and never credit back to my account then my account was link to someone phone and personal account they couldnt explain what was going on just excuses that it was my fault then open another account without my consent and unblocked overdraft protection and didnt tell why they did it many many questions not answered plus receiving scam email threatening emails and phone call XXXX claiming to the IRS police saying I have a warrent for my arrest
Product: Credit reporting, credit repair services, 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

ACCOUNT XXXX appears that I have 7 ineligible payments. The first three periods are : XXXX, XXXX, and XX/XX/XXXX. Obviously, I can not pay on these dates because in Puerto Rico we were hit by two hurricanes, Irma and Maria. Literally, we had to survive. Because I am a public servant, we had to work give humanitarian relief to our people. Another ineligible period is from XX/XX/XXXX to XX/XX/XXXX. Fedloan applied to me a Delinquency Forbearance because they delay the process of renewal my Income Based Repayment Plan and they charge me a lot of money, {$400.00} that I can not pay, that is the reason than I am requesting IBR Program. Enclosed you will find my communication to Fedloan in XX/XX/XXXX. For the reasons exposed above, I request these 7 payments change to eligible because all the time I am a public servant, work to the XXXX XXXX XXXX XXXX XXXX and must request the hurricanes forbearance and later the bureaucracy and unfair service of Fedloan applied arbitarirly. Never I refuse to pay, only I want to pay a fair amount based in the Income Base Repayment Plan. I continue paying these months using the amount that I was paying, because Fedloan refused to say to me the new amount to pay by IBR Program that I was renewing. I submitted my PSFLF on time to Fedloan and lateXXXX, these inelegible payments qualify for the Special Waiver
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are being reported as late.
Product: Credit reporting or other personal consumer reports

First XXXX XXXX This account has been paid off and I received a paid off letter and now they are reporting this info on my report with is defamation of my character and causing me stress.
Product: Credit card

Synchrony Bank/CareCredit has been made aware through documents I have sent them, dozens of pages, that I paid for treatment by DOCTOR but instead I received treatment by a man IMPERSONATING a Doctor. They have the proof I sent. But continue to insist on fake investigation of dispute to protect the merchant that is a scammer and a fraud. Im not liable for that. I was scammed. XXXX XXXX is not a XXXX nor he had any medical licensing in the time of my XXXX in XX/XX/XXXX of XXXX. He treated me pretending to be a Doctor.
Product: Payday loan

Big Picture Loans / XXXX interest rate is against CA laws also take inrerest only payments then drafted remote chevks after I had filed a stop on ACH withdrawals was and is difficult to stop remote checks XXXX
Product: Checking or savings account

I submitted a fraud claim on a bank of America debit card on XX/XX/18. The claim was denied XX/XX/2018. I was told it was because I did not have the card but there were charges in the period that used the card. The claim was for international charges on my debit card. On XX/XX/XXXX I explained to the bank that I did not lose the card, the agent must have misunderstood me. A request for reconsideration was submitted XX/XX/XXXX. In the meantime they reversed {$400.00} in temporary credits. I have automatic drafts for bills which have been coming out of my account. I am charged {$35.00} per occurrence for insufficient funds. In the past week I have been charged {$280.00} in fees. The bank has been giving me different answers about when they will review my reconsideration. A hardship review has not been acted on either.
Product: Credit reporting

I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Experian with the required documentation. They never responded and I never got a copy of my report. It is important to me to get a copy of my credit report because I am a victim of identity theft. I also wrote to XXXX in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response from Experian about the fraud alert.
Product: Credit reporting or other personal consumer reports

Equifax, Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report that was provided by your agency. I have reviewed my credit report and found the following information that I believe is incorrect : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. 
For your reference, I have attached the following documents to support my dispute : I understand that the FCRA mandates that credit reporting agencies complete investigations within 30 days and provide me with the results of their findings. Please inform me of the resolution at your earliest convenience. 
Thank you for your prompt attention to this matter.Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, and Transunion ) consumer report, and I noticed that it is reporting my experience with this company.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I have attached several accounts for your removal. To remove them. Thank you. For I did not apply for these accounts.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

Experian 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

There is an account from XX/XX/year> XXXX  on my credit report and I have never had XXXX XXXX. They are saying it was charged off and in collections and I have reached out to the compnies lettign them know this is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my equifax account I realized there were unauthorized hard inquiries on my account. I sent a certified mail to Equifax with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The certificate mail indicates the mail was delivered on the XX/XX/2022. A follow up call to Equifax on countless occasions to get an update and they repeated lie that they did not receive the letter. 

The accounts involved are as follows ; XXXX XXXX XXXXXXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts on my credit report that do not belong to me I need these removed asap I have filed for FTC I have been disputing these since XXXX of 2020 and I am getting pretty ticked off since I am spending days and days on these trying to save my credit from accounts that are not mine they do not belong to me I have no idea how these are on my credit and who put these there. I own no such cards or accounts. 

Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Debt collection

XXXX XXXX reached out with a bill that I was not present nor did I sign anything with my name. XXXX XXXXXXXX XXXX. Again i was never their to sign paperwork or give my contact. However, This third party collection service Phoenix Financial Services sent mail to me. Informing that I owe {$520.00} for the date of service XX/XX/year>. Also Misspelled my name but they have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime between XX/XX/XXXX and XX/XX/XXXX my creditors went missing. Please see screen shot with list of 22 revolving accounts - 1 mortgage - 2 installments a total of 26 open accounts - none negative. some how my report " split '' off and I have a merge with someone else 's files. Please see attached screen shots. You can see im using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you can see the history of my report from pull down of old accounts showing and now not showing with most recent report. Two accounts that are reporting are not mine are XXXX XXXX XXXX XXXX XXXX in charge off / collection status. They are currently under dispute and need to be removed from my report. I have tried to get someone from Equifax to help me they said they opened case # XXXX but no one knows what that is. I speak to reps from office of consumer affairs and are rude, disrespectful and not helpful. Equifax XXXX.
Product: Student loan

Having made payments after XX/XX/XXXX ( totalling {$16000.00} ) I have requested a refund of the total amount. ( I will be getting the full amount forgiven because I received Pell grants. ) My account was with XXXX XXXX XXXX, but last year they moved my account to ED Financial, which I just found out when I attempted to receive my refund. 

Because I paid off my loans at the end of XXXX, they " closed '' my account ( but still have my info on file ) .Therefore, I have no access to an account. 

I requested a refund over the phone with ED Financial a few weeks ago. The Customer service rep said they put in a refund request, but gave no indication on when I will receive it or how I will be notified when my account reopens. I am afraid that I will not get the refund soon, if even at all. The whole experience seemed shady and the rep was clueless, could not even find my account for about 10 minutes. 

I need the refund ASAP so I can submit a forgiveness application as soon as it opens so my loans are forgiven before the interest-free period ends on XX/XX/XXXX. 

Please help me get my full refund back from ED Financial ASAP! Thank you!
Product: Credit reporting or other personal consumer reports

Equifax purposely keeping my credit score low. 

My credit score should at least be in the XXXX range, and they have me at XXXX. 
I pay my bills 100 percent on time.

In addition, there is one small medical bill that is supposed to be removed by the new law. 
( rule XXXX ) However, they still leave it there. 

My credit score is being held down intentionally and fraudulent reporting.l
Product: Credit reporting, credit repair services, or other personal consumer reports

Have uploaded police report but credit agencies are refusing to acknowledge it! 
XXXX XXXX XXXX XXXX identity theft XXXX XXXX identity theft XXXX XXXXXXXX XXXX XXXX/identity theft XXXX/XXXX/ identity theft XXXXXXXX XXXX XXXX XXXXXXXX identity theft XXXX XXXX XXXX identity theft . 

Someone used stolen wallet with I.D . and social to purchase these items.