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

I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67000.00} XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$5600.00} XXXX  XXXX XXXX Balance Owed : $ {$940.00} XXXX  XXXX XXXX XXXX Owed : $ {$660.00} XXXX  XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$7600.00} XXXX  XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$69000.00} XXXX XXXX  XXXX **** Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$7600.00} XXXX  XXXX Balance Owed : {$6600.00}
Product: Credit card or prepaid card

I received an e-mail from US Bank thanking me for my application for a credit card. I did not apply for a credit card. I tried to call US Bank fraud division to report it, but it is closed even though their website says they are a 24/7 agency. The application ID # is : XXXX according to their e-mail. 
I did notify XXXX XXXX which I am a member since my identity has been stolen before. 
XXXX XXXX e-mail XXXX XXXX
Product: Debt collection

Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Product: Credit card or prepaid card

I made a payment using the XXXXXXXX XXXX XXXX on XX/XX/2022. I usually do not use this card ( prior payment to that was at least a year ago ). I was not aware that the contact information for the store credit card is different from the XXXX website where you place orders for products. This is complicated by the fact that I no longer check the old email address and also moved to another state and do not receive any paper mail from them. Thus I was not aware that I had a late payment. However, it was not until at least 2 months after the initial payment day that I receive a notification from XXXX XXXX that XXXX noted I had a late payment. From my history, I had a strong credit of XXXX mostly due to paying bills on time or earlier. It wasn't until I noticed that there was a +60-day late payment for the XXXX XXXX. Had I known about this earlier, I would have made the payment earlier or changed my contact information. 
I have already paid off the balance that includes 2 late fees. I called customer service who said they can provide a late fee waiver. However, I still can not see this on my end so I am not sure if they applied it. They do not even have an option to email me proof of this.

Finally, despite using the correct password multiple times, I can not log in to the website to make payments which I have also noticed in the past. The website and many other online users state that there persistently have been issues with logging in and reaching customer service, making it very very difficult to make payments on time. 
As a result of the late payment which is very rare for me, my credit score dropped from mid-700s to high 600s, which is very disappointing given one blip that I was not aware of.
Product: Debt collection

Stillman Law Office, I do NOT owe the creditor. I have attempted to secure documentation from XXXX, XXXX XXXX as well as XXXX XXXXs of the debt. 

I obtained an alarm system from XXXX in XXXX of XXXX. I also kept the current system that I owned at my old house. When I called to set up service at my new home I was told that if I kept the old system for a min of 6 months, which I did, and due to longevity of being a customer, since XXXX, that I would have the new equipment without charge. The rep came the first of XXXX to install at new house and called to verify that I would have new equipment complimentary of XXXX by keeping old equipment operating for 6 months and due to length of being an XXXX consumer. 
I did not receive a request for payment until XX/XX/XXXX from XXXX and then the next month from XXXX stating the account was delinquent. I had not received anything from XXXX, XXXX, or XXXX prior to XXXX of XXXX. I have asked XXXX, XXXX, and XXXX for info on a contract or anything that I signed, which can not be produced because I did not sign for anything. 

XXXX was in the news last year in the XXXX area for installers making unethical access to customers accounts and when I received this in XXXX from XXXX I attempted to see if this was part of the illegal dealings that installers for XXXX was part of. XXXX was no assistance and only referred me back to XXXX who in turn referred me to XXXX. 

I now have received a letter from Stillman Law Office in ref to the debt. 

If I owed this debt I would pay it but received the new system complementary of XXXX. I have been a customer since XXXX and I am a current customer now.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I did not give permission to report on my consumer credit. 

TransUnion XXXX XXXX is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) 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 written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XX/XX/XXXX, & XX/XX/XXXX, for my payment history update to on time payment paid as agreed ) 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Debt collection

I paid off my old debt of the maximum amount approved for me of {$400.00}. I even paid more than that but a lot of my payments were not reported, payment in full is not reported, and it is still on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX needs to remove this damaging information on all three credit reports or ill sue them! I'm trying to get a mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX I called Citi because I was having issues accessing my account the few days before hand. Knowing I had a payment coming up I wanted to make sure I could pay it to not incur any late fees. Upon calling them I was transferred to numerous reps saying that they could not find my account or that it was closed. I was finally able to reach someone who could tell me what was going on. They said that I had filed for bankruptcy and that my cards were closed and the balances sent to collections. I informed them that I did not file bankruptcy and that someone in my family with the same name did. This is verifiable by a search of my social which is different from theirs. Their " Recovery team '' said they would research the matter and get back to me. Its been 6 business and I called again, only to have them tell me it would take 3-5 business days longer. At the time of writing this I currently do n't have access to the two credit cards that I use primarily. More so, I am worried that I will have my credit score affected, debt collectors calling, late fees accrued, and ultimately an uneasiness if I have to make a big purchase.
I have two cards and both cards were closed.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I received correspondence of unauthorized inquiries on my credit reports. The inquiries were made on XXXX. The companies that received the unauthorized inquiries are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ALLY FINANCIAL, XXXX XXXX VIA DEALER, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I entered a consumer credit transaction with LENDING CLUB and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that LENDING CLUB claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. LENDING CLUB has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit reporting or other personal consumer reports

To draft an aggressive yet professional letter to TransUnion regarding the inaccurate reporting under 15 USC 1681, heres an example : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Reporting Violation of 15 USC 1681 To Whom It May Concern, I am writing to formally dispute inaccurate information that is being reported on my TransUnion credit report. Specifically, the balance for the XXXX XXXX account is inaccurately listed, as detailed below : Account Name : XXXX XXXX Error : The balance increased by {$17.00} ( from {$0.00} to {$17.00} ), causing an unjustified drop in my credit score by XXXX points. 

Date of Change : Between XX/XX/XXXX, and XX/XX/XXXX This reporting is inaccurate and in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681i, which mandates that credit reporting agencies must ensure maximum possible accuracy of the information included in consumer reports. 

I demand an immediate investigation into this matter. Pursuant to 15 USC 1681i ( a ), you are required to : 1. Conduct a thorough reinvestigation of the disputed information.

2. Delete or correct any inaccurate or unverifiable information.

3. Provide me with a written confirmation of your findings and any actions taken, including an updated credit report reflecting the corrections.

Failure to rectify this issue within the timeframes outlined in the FCRA will leave me no choice but to escalate this matter. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to address any harm caused by your non-compliance.

For your convenience, I have attached relevant documentation supporting my dispute, including recent credit report details highlighting the errors.

Please acknowledge receipt of this dispute and provide a resolution within the required 30-day period. I can be reached at [ Your Phone Number ] or [ Your Email Address ] should you require further information.

Sincerely, [ Your Full Name ] [ Enclosures : Copies of Credit Report Highlighting Errors, Proof of Identity, etc. ] -- - You can adjust the tone and include any additional specifics depending on the exact details of your situation. Let me know if you want further adjustments!
Product: Credit reporting or other personal consumer reports

I am reaching out with a serious concern regarding my credit report. Upon reviewing it, Ive found multiple accounts, transactions, and items that do not belong to me, which clearly indicate mixed and inaccurate information. This situation is extremely distressing and has caused me significant stress and anxiety, as it unfairly affects my financial well-being.
Product: Vehicle loan or lease

I have requested that USAA grant me additional relief on my autoloan due to Covid-19 as we have been ordered to stay at home again. I contacted USAA o XX/XX/XXXX to ask for another extension. I have made some of my payments during this time, but as of XXXX we are ordered to stay at home again and I am unable to earn an income. USAA denied my request for relief on my payments. I have requested relief twice before and USAA granted it, but again as stated since that time I have made some payments, but again we have to stay at home, which is out of my control. USAA 's refusal to grant additional assistance is unconscionable and I am requesting an investigation into this matter. Additionally, I am a XXXX citizen and this is no way to treat anyone.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC XXXX XXXX XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

One main claims I a man owe XXXX without verified and documented proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the all three credit bureaus : XXXX XXXX Equifax, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B to require the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I have a BOGUS late payment on my mortgage loan account. i was never late. The company XXXX XXXX sent me my statement where it does not show ant LATE PAYMENTS. XXXX XXXX  also said that I was never late. I send letters to the bureaus asking or deletion of late payment and they have not done so. please see the documents that will show you that there is NOT ONE LATE PAYMENT on my account. 
This needs t be deleted from my credit report ASAP and the bureaus simply say that this issue has been UPDATED or VERIFIED!
Product: Mortgage

Carrington Mortgage Services ( carringtonms.com ) is defrauding consumers by not allowing any additional principal or escrow payments on my mortgage account. I contacted them via phone twice ( once in XXXX XXXX and once in XXXX XXXX ) and was given differing stories about why I could not pay additional principal-I was told once that there was an issue with the website and once that because my mortgage was newly purchased from XXXX that processing was still taking place and that I would be able to make additiol payments the following month ( XXXX XXXX XXXX. This did not happen. I sent and email on XXXX XXXX, XXXX and lo and behold I was able to pay additional principal in XXXX XXXX. In XXXX, it went back to no additional payments and again in XXXX, and now for my XXXX payment again. I know that additional principal payments decreases the amount of profit for the company for the mortgage and this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus dated XX/XX/23, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX