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

I am writing to you as the holder of account number [ XXXX ] for my credit card of [ XXXX  XXXX XXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least XXXX days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

XXXX account number- XXXX you are reporting this collection as an ''Open account. when is not under the XXXX'FCRA compliance. this inaccurate reporting and this need to be removed immediately. please send me a copy of my credit report when the above deletion has been removed. Please attach copies of the following : 1, the purchase agreement,2 Name and address of alleged creditor 3, Date of the original charge off or delinquency 4, amount paid if debt was purchased 5, The original contract and signature on file from the original creditor and all statements while this account was open 6, agreement with your client that grants collection company name the authority to collect this alleged debt 7, Any agreement that bears the signature of debtor, wherein agreed to pay creditor
Product: Checking or savings account

Approximately {$1200.00} of overdraft fees were incurred at XXXX of my last banking institutions. They claimed in a debt collection letter that they can make it problematic for me to open additional accounts at other institutions. This seems unlawful. XXXX is Frost Bank in Texas BTW.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections company is duplicated on my equifax. 
Called the collections company and said its not them that duplicated. I filed a complaint with equifax but have heard no response.
Product: Credit reporting or other personal consumer reports

A snippet from Experian 's Privacy Policy : Subscribers can opt out of our sharing with nonaffiliated third parties by signing into their Experian account, selecting My Account, visiting the Preferences tab, and turning the 3rd Party Data Sharing toggle off. Opting out will apply to all ConsumerInfo.com products and services governed by this policy, and will not limit your ability to access our products or services.

This is after they say that they share anything and everything with any 3rd party. The problem is that this option does not exist, so there is no way to limit 3rd party sharing.

I tried calling. Their phone menu doesn't work well at all, and refuses to transfer you to a representative. So nothing was useful there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I paid my account with XXXX XXXX in full and requested the account be closed with a signed letter and my check. 

Now 6 month later I show a membership fee and they will not delete it and will not remove from my credit record. I tried calling and on hold for 30 minutes and they say the sign letter meant nothing and that I should have called. 

I am XXXX XXXX  so a call is always XXXX XXXX and very very difficult if you are online for 30 minutes at a time I feel I am being discriminated against because of my XXXX-as well as being treated very badly Trying to fix but keep getting transferred - have been on phone for over 1 hour waiting for service from manager transfer from supervisor from customer service rep in us from customer service rep that spoke broken English I will be more than happy to provide any documentation required
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. Mv 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 Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I currently was a victim of a scam and fraud and when I called my bank ( Wells Fargo ) to report the transactions and protect my accounts they were negligent and only changed my online banking log in and pretty much blamed me. They asked that I send more information and I did but they did not respond and then said that because I didnt send it they would not get my money. This all started XX/XX/XXXX of this year and they have done nothing to help me. I asked them to freeze my account and stop checks from being deposited while they were pending but they still let it all go through. When I call to give more information they dont answer or allow me to so I send them emails and they do not respond. There were checks deposited to my accounts that I did not deposit. Two checks of {$1500.00} and when I asked to stop them they did nothing and let them go through. Then when I was getting threatening messages to hurt me and my family if I didnt return the money so I did my best to return it but the checks bounced so now they blame it all on me. I sent that money back because of their negligence to help me when I needed it and now they are not helping me. They told me to just change my phone number and that was it. I also filed a police report and havent heard back since.
Product: Checking or savings account

Bank of America alerted me on XX/XX/23 that a charge of {$160.00} was made to my checking account at XXXX XXXX XXXX in XXXXXXXX XXXX and questioned whether I was making or authorizing this charge, I was not. I promptly reported the charge as fraud. Bank of America informed me that it would be taken care of, and temporarily refunded the amount to my account. However I received a letter in the mail XX/XX/23 that the funds would once again be removed on XX/XX/23 and if I wished to dispute it, to send them a letter. I mailed and faxed a letter on XX/XX/23 to once again dispute the charge as I did not authorize the purchase, and have not received a response.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are continuing to report incorrect information. There are several name variations and address that are not mine. These are adversely affecting my ability to get credit and this is a violation of FCRA which is the enactment that govern reporting agencies. I would like the documents that each credit bureau used to validate this information in order to report it. 

These names and addresses need to be immediately removed and update to show accurate information which is XXXX XXXX with no other variations because it would be considered identity theft and my only address is XXXX XXXX XXXX XXXX, GA XXXX any other address should be removed immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputa
tion of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

This is the same issue as my previous complaint against XXXX XXXX. Their so-called response was absolute XXXX. They committed illegal action and they are just doubling down. I am telling them that they need to remove the marks that were put on my credit report before they furnished me with the debt verification letter. If they look at the dates those marks were placed on, they predate me receiving the verification letter. Therefore, it is illegal under federal law! XXXX XXXX  is literally openly committing a crime. They did not acknowledge or address any part of my complaint. They must remove the marks that were placed there previously. In the response, I am asking the company do you understand that you were knowingly committing a crime? Do you not understand that those marks that were placed on my report before I received the verification letter are each individually their own crime? The CFPB can clearly see in the attached email chains that what I'm saying is indeed the true. They put marks on my credit report that were of a derogatory nature in direct violation of federal law. This is literally black-and-white. So either they remove them or they are going to lose any craft on money of in court.
Product: Debt collection

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  {$210.00} XXXX XXXX/XXXX   {$200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance XXXX illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX Bank ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX Bank at a higher rate than the one with our financial institution, and falsely tried excusing himself using a XXXX XXXX of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, XXXX  of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Product: Credit reporting, credit repair services, or other personal consumer reports

Partial account # XXXX. I recently discovered that Home Depot/ CITI BANK reported to the credit bureaus that I was 30 days late for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted Citi Cards on or around X/XX/17 and explained what happened and they initiated investigation. On XX/XX/17 I called CITI BANK and they advised after conducting their investigation, they would not be fixing the error. I have checked my back statements and made the following payments and was never 30 days late. X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITIBANK on X/X/17 ) X/XX/17-made payment of {$140.00} ( on-line payment # XXXX ) X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITI BANK on X/XX/17 ) These inaccuracies reported by CITI BANK has caused my credit score to dropped my score dramatically. They do not seem to care.
Product: Debt collection

Professional debt management vompany is trying to collect debt which i dont owe, as during covid i was not even able to pay my rent so inhad to move out of my appartment buipding and i had to pay last month rent. And i agreed to it and they agreed too, an dsuddenly now they want to collect 3 months rent, its against the situation, i dont even have a jon, how i can pay that much, this is killing me. They have threatened me that i will not be able to rent or buy a house whole my life, they will ruin my credit
Product: Checking or savings account

Re : Checking acct ending XXXX Transactions on XX/XX/19 for XXXX and XXXX were both fraudulent transactions. These transactions have also overdrawn my account causing overdraft fees with others to possibly follow if I can not stop auto bill pays in time. We immediately notified that these transactions were fraud and told it would take ten days before a credit can be possibly issued. This is unacceptable and will cause unnecessary hardship on our finances. Any other bank like XXXX or XXXX  XXXX XXXX would have immediately issued a provisional credit while the transaction is already investigated.
Product: Mortgage

I have mortgage loan with PNC bank. My home value is appreciated and the current LTV ratio is less than 75 %. I requested PMI deletion with PNC and submitted cheque for BPO. My request is turned down repeatedly after many follow ups. Many of my friends whom I know had mortgage with other banks similar to my situation were able to delete PMI successfully. Please help.
Product: Credit reporting or other personal consumer reports

Two delinquent accounts shows up on my XXXX credit report. They are accounts with AFFIRM INC . They do not belong to me. I never had anything to do with AFFIRM INC . The XXXX credit report provided partial account numbers ( XXXX and XXXX ). 
I started disputes with XXXX for these two accounts.

At the same time, I called AFFIRM INC . They asked me for my phone number and email address, then told me they don't have account for my phone number or email address. It is obvious whoever stole my identify to open account would use phone number and email address they have control of, not mine. So what is the point of telling me they don't have account for my phone number and email address? They asked me to provide information through email to customercare XXXX XXXX so I sent all the information about those two accounts in my XXXX credit report to that email address. I got reply quickly, saying they can't find accounts from the information I provided ( which I doubt because there are partial account number, date opened, balance, non payment history, etc. and there must be unique match in their database for those XXXX accounts ), and asking me to provided my phone number and email address, and contact them by phone if I have further question. I replied explaining I already called them and was told to email. Also the fraudster would not use my phone number and email which they don't have access to. After some time I received their reply, which is EXACTLY the same copy of their first response, asking for my phone number and email address and telling me to call them. 
Clearly I am not going anywhere with AFFIRM INC. so I was hoping XXXX will help me sort it out. Now I received replies from XXXX telling me my cases are closed. The fraudulent accounts will stay on my credit report because " The company that reported the information has certified to XXXX that the information is accurate. '' It sounds like a joke to me. What information is accurate? My XXXX and XXXX? I assume that has to be accurate or it would not get onto my credit report. But that doesn't mean I opened those accounts. Did they see me and check my ID? I bet they did not. They just want to quickly approve people on the spot so they can charge them high interests. 
I don't know who I should be complaining to CFPB about, XXXX or AFFIRM INC . I think both. My credit score dropped a lot because of these delinquent accounts. This is frustrating. When some company irresponsibly lose your identity information and some other company irresponsibly accept your identity from fraudster to open credit account, it feels like you have no way to clear your name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit Acceptance responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00.  Flagship states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
Product: Debt collection

I asked via certified letter on XXXX/XXXX/15 for a debt validation to Enhanced recovery co. for an alleged debt of {$200.00} that I owed originally to XXXX XXXX XXXX in 2012. XXXX months have past since my original request and I still did not received any proper documentation ( re : copy of last invoice from XXXX XXXX to my attention ) to support this debt. Without any response from them I subsequently reported them on XXXX XXXX, 2015 to the CFPB, Enhanced finally responded in writing on XXXX XXXX 2015 stipulating : '' Our agency request related documentation materials associated with the account from XXXX XXXX cable. Upon receipt of any materials from our client, our agency will forward the documentation to XXXX XXXX Address on file. " More than XXXX days have past since this letter and I 'm still waiting for the proper documentation validating this debt. 
They are however still reporting me monthly to the credit bureaus.