23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXX XXXX XXXX XXXX XXXXXXXX, tx XXXX incorrect employer : XXXX XXXX,
Product: Credit card

Purchase of {$290.00} was made on XX/XX/XXXX, which was one of a series of charges made fraudulently on my account ( Citibank credit card ). 

Card was subsequently closed on XX/XX/XXXX and all charges were reversed while the security investigation took place. 

On XX/XX/XXXX, the charge for {$290.00} was re-posted to my account, and was not noticed until the XXXX billing cycle. Follow-up calls were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, notifying Citi bank representatives that I did not make this purchase. I was not asked for additional documentation, and instead told the investigation would be re-opened.

I was told that this would be resolved quickly, but in the meantime I have been charged an additional {$10.00} in late interest fees associated with this dispute.
Product: Mortgage

I sold my home and paid off my mortgage to Roundpoint Mortgage Servicing Corporation via wire transfer on XXXX/XXXX/16. I called them on that day to give them my new address and verify when my escrow balance and mortgage overpayment would be released. I was told by " XXXX '' it would be sent in 20 days. I called again on XXXX and talked to " XXXX '' and was told a check had not been issued yet and that it could take up to 60 days. I requested and was told it would be expidited. I still have not received a check. Why are they allowed to hold my funds for that long when they received a wire transfer on the date of closing? If I am late on a payment I am charged a late fee. Why is Roundpoint not penalized ( and me compensated ) for their failure to pay ME promptly?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, and # XXXX has violated my rights. These accounts are not reporting Date Opening, Balance, and Last Reported properly. They are all wrong. The late payments are not accurate.

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 an account without my written instructions.
Product: Debt collection

I went to the dentist on XX/XX/XXXX. I was told that my treatment would be {$6000.00}. I applied for a medical loan through Lending Club ( XXXX XXXX XXXX ). I was approved for {$6000.00} at {$500.00} per month with a 0 % APR. Subsequently on XX/XX/XXXX I went back to the dentist and the amount of my treatment changed to {$7200.00}. I reapplied for an increase and was approved by Lending Club ( XXXX XXXX XXXX  ) for {$7200.00}, {$180.00} a month at 17.90 % APR. My dentist sent back the {$6000.00} to Lending Club ( XXXX XXXX XXXX  ).  Lending Club continues to send mw statements that do not reflect the new terms of my new loan of {$7200.00} with a payment of {$180.00}. I have a statement showing that they XXXX XXXX XXXX has added both loans together totaling {$12000.00} ( original purchase amount ). I have sent to them numerous times the new contract and repeatedly called them to ask for assistance in correcting and have had no success. My fear is that my credit is being destroyed for their mistake as I will not pay until corrected. Even as I submit this complaint today XX/XX/XXXX I received a collections call from XXXX @ Lending Club asking for the payment on {$12000.00}. XXXX confirmed that he sees notes about my complaint and does not know why it was not updated. I told XXXX that I had no other option but to file a CFPB complaint in hopes to get resolution. He then transferred me to Customer Service and my call was dropped. I need resolution as I am a good paying citizen and I do not wish to have my credit damaged.When they call they continue to ask for amounts over {$500.00}??
Product: Money transfer, virtual currency, or money service

TD blocked me from using my account to transfer money to XXXX
Product: Credit reporting or other personal consumer reports

The listed accounts below are still showing late payments on my credit report despite the multiple letters and appeals sent to Transunion. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please UPDATE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im currently paying for myFICO monitoring of my credit report. It alerts me with accurate up to date changes. I dont understand my credit score reporting but the fact that my score will go down 9-10 points for a {$39.00} charge that was paid overnight makes no sense at all. In fact the amount of points my scores decreased based on low amount charges but when I make {$2000.00} payments lowering those same credit cards my score will go 2-4 points. It makes absolutely no sense. Why are these companies reporting incorrect information, why is my score so severely changed for small changes that literally are on my card for a day. I believe its racially motivated and if my name was XXXX XXXX, the reporting and score would be totally different/higher scores. The manipulation to my score by all 3 credit bureaus is XXXX and wrong. On top of these departments method of reporting. How fo you report a {$200.00} charge, take my score down 10 points but I pay back {$700.00} in a month, you report it as {$120.00} and bring the same score up 4 points. Also, please dont give me the excuse of dates because Ive paid before and during my due dates. This makes no sense at all, very strategic the method of reporting and XXXX.
Product: Vehicle loan or lease

Car was inspected for damages on XX/XX/XXXX, inspection was valid for 90 days. 
All repairs were made for issues noted on the inspection on XX/XX/XXXX. 
Car was returned on XX/XX/XXXX to a local dealership, less than 90 days after the inspection. 
Invoice was received in XXXX for all original charges on the first inspection including items like the user manual that was returned with the car, plus excess days as they reported that the car was turned in on XX/XX/XXXX. 
I sent an invoice for the repairs on XX/XX/XXXX showing that every item on the original inspection was repaired. They removed the charges and added {$XXXX} in new charges claiming that another inspection was made sometime in XXXX but did not let me know about the second inspection or that they had recorded that I repaired everything until after I sent them the repair receipt. The car was out of my possession for nearly XXXX months at the time that the second inspection had taken place. 
Claimed on XX/XX/XXXX that the balance of ~ {$XXXX} was late even though I had never been notified of this balance by mail or email. I demanded to receive a first bill for the balance I was " late '' for. 
Reported a charge off on my credit report for ~ {$XXXX} on XX/XX/XXXX claiming that I was 109 days late even though I wasn't sent a bill until XXXX. 
Settled the account for {$XXXX} which is {$XXXX} more than I was required to pay. 

Acts of fraud : Adding charges to my account for damages that took place while the car was not in my possession for XXXX months Not sending me a bill for XXXX months until I requested XXXX but reporting to the credit bureau that I was 109 days late Purposely recording that my car was returned nearly XXXX weeks after I had returned it to add daily rental charges to my account
Product: Credit card or prepaid card

Purchased a Google Gift card for {$200.00} on XX/XX/2019 from XXXX in XXXX, IN. I inputted code into app and it stated it needed further information. Copy of card, receipt, Utility Bill, Cell phone bill, credit card. That information was submitted against my will, due to that's what they required. A complete invasion into my personal info for a gift card. They have not responded. Yet hold on to my money without any result. Calls to Google, they remain unable to talk about it. This has been happening to hundreds of consumers according to multiple websites, and they fail to resolve an issue they created. I want my {$200.00} in addition to interest.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus Equifax XXXX XXXX XXXX deletion
Product: Credit reporting or other personal consumer reports

XXXX XXXX I disputed XXXX XXXX for account not belonging to me. Account was not taken off credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. – waited on phone well over ½ hour I could not get the overseas representative to do anything!  Asked to be transferred to US  waiting and waiting finally hung up.  I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. the Item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting the following inquiries on my credit report which is a violation of my rights under FCRA -15 USC 1681b ( a ) ( 2 ). I did not give permission for Transunion to report this information nor provide my credit information to any of the following companies. When I contacted Transunion to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Transunion WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, XXXX, Transunion ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : Transunion : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX    XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Verification and Removal of Late Payment Entries Dear Sir/Madam/To Whom It May Concern, I am writing to formally request the verification of the late payment entries posted on my credit report by XXXX. According to my records, there have been several instances of late payments reported on my account.

Under the provisions of the 15 U.S. Code 1666b and 15 U.S. Code 1637, I request that XXXX provide detailed tracking numbers for each instance where a late payment was reported. Specifically, I need documentation proving that each periodic statement was mailed or delivered to me at least 21 days before the payment due date. This request includes the following information for each late payment entry : The date the statements were mailed or delivered.

The tracking numbers for the statements Proof of delivery confirming the statements were received at my address Procedures XXXX has in place to ensure compliance with the 21-day rule before reporting late payments. 
If XXXX is unable to provide this documentation for any of the reported late payments, I request the immediate removal of those entries from my credit report with each credit bureau ( XXXX, XXXX, and Equifax ) as they would constitute a violation of the relevant statutes. 
Please treat this matter with the urgency it deserves and provide the requested within 30 days of receipt of this letter. Failure to comply with this request will leave me no option but to pursue legal remedies for violators of the Fair Credit Billing Act and the Truth in Lending Act. 
I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent. 

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter.