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

To whom this may concern, I am delighted to notify you that you have infringed against my consumer rights! Please be aware that ONLY fair and accurate reporting is necessary for the financial system to function! According to 15 USC 1681 ( 1 ), disclosing false and unfair credit reporting information erodes public trust.

I would want to inform you that not only have YOU taken on a significant part in assessing my credit report, but you have also ensured that you respect my right to privacy! You must not disclose any transactions or interactions between me and the person filing the report at all, since I have the right to privacy. Communication with others on shared ownership can only occur if it is distinctly and unequivocally revealed to me.
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 NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Payday loan, title loan, or personal loan

I took a loan out for XXXX and it was set to take out on XX/XX/XXXX. I called in on XX/XX/XXXX to have it extended to my next pay date of XX/XX/XXXX. Now before this call I already called in previously to inquire my options so I knew which option I was going with as the rep was also aware upon reading the notes. Upon getting off work I saw my account was drafted Saturday. I called no one was available on Saturday so I sent an email in regards to the issue. Sunday I received conflicting information from a rep advising XX/XX/XXXX could not have been my date and I requested them to review the call.i advised there was no way I requested to pay two days later. I called in Monday spoke with a rep who was unable to assist me. I asked to speak to a lead or supervisor and she advised I couldnt speak with one until two days. I advised her my account has pending charges and I am going to be charged fees and she said she couldnt do nothing and released the line by hanging up on me. This is unacceptable and poor customer service. I asked her if she knew a supervisor wasnt available when would one be available she said in TWO DAYS! And proceeded to hang up in my face because she said she didnt know what else to do!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DP OF EDUC XXXX {$2600.00}, DP OF EDUC XXXX {$1900.00}, XXXX XXXX {$0.00}, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

Please see attached letter sent to DSRI along with a copy of a police report for Identity Theft. This debt is not mine please remove this from my Credit Report and please communicate in writing only. No Phone calls please.
Product: Payday loan, title loan, or personal loan

Net Credit added a XXXX dollar late fee to my account after i just made two payments of XXXX in XXXX, i wasn't aware of the charge in till the next month. Then they reported to the credit bureau that my account was thirty days behind. When I spoke to the customer service rep on the phone in XXXX she said nothing about a XXXX dollar late fee. As a result my credit score went down 76 points. Also the interest rate that I'm being charged is illegal in the state of south Carolina. I talked with another customer service rep on XX/XX/20 and he told me that the customer service rep should have added the XXXX dollar late fee to the two payments i had just made, and that it was Net credit fault. I called a member of management and talked with them on XX/XX/-20 about the contract and the high interest, also about the late fee, she said it was nothing she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lakeview services llc has made a negative report during the covid19 pandemic while my account was in forbearance status. During the forbearance status, i did make payment to my accounts. The incorrect report was made on transunion from the month of XX/XX/2020 through XX/XX/2020. I have recently spoke to the representative of lakeview service, they instructed me to perform this complaint. From my understanding, that during the covid19 pandemic, there should be no negative report is to be reported while affect financially during that time.
Product: Debt collection

I did not receive the loan. Instead I am reporting this company as an Employer receiving fraudulent garnishment orders. My company continues to receive fraudulent garnishment orders from this company despite repeating requests that they do not as they do not have legal authority to compel a wage garnishment without a court order.
Product: Credit card or prepaid card

This complaint is regarding my  US Bank Cash Plus Rewards  credit card.  <P/> Since being recommended to switch to paperless statements, reviewing the electronic statements became less used, since I am able to review transactions on the credit card website to verify the transactions to spot any possible fraudulent transactions. However, it appears that my cash rewards that I have been accruing for years is slowly being siphoned from my rewards balance due to them 'expiring '. Apparently, the only place that the rewards expiring is notified is in the paperless statements. I received no other notification, neither from the website  Message Center, nor from an email from US Bank, or even a regular mail.To me, this  is a somewhat sneaky tactic to slowly reduce my accrued cash rewards from my account. This was happening to me for  2 straig ht months - {$14.00} on   X/XX/17     and {$35.00} o n   XXXX   - for  a total of {$50.00}. If I had not 'stumbled ' upon my paperless statement in earl y  XX/XX/XXXX , t he rewards being deducted from my account would have continued, leaving me with less and less accrued rewards.  <P/> I called US Bank credit card customer service o n  X/XX/17  ( or  X/X/17  ) t o inquire about the rewards expiring, and the customer service representative informed me that he will open a case for US Ba nk rewards depart ment to review my case. I then went ahead and cash out some of the rewards accrued to avoid additional rewards from expiring.  <P/> I called US Bank credit card customer service again this evenin g,  X/XX/17    , inquiring on the status of the review request, and was informed that the case was recently closed, and that my rewards was lost forever - essentially resulting with me losing {$50.00}. I complained to the customer representative supervisor on the phone, and was informed that I 'should have known ' that the terms & conditions state that the credit card rewards expires 3 years after being accrued, and that I should have reviewed my statements ( which is the ONLY place where it notes reward dollars expiring ).  <P/> My issue / concern with this practice by US Bank are   : ( 1 ) No other notification ( message center, email, mail ) of reward dollars expiring.
( 2 ) No way to easily view the credit card terms and conditions on the website. I looked around the US Bank online account system, and could not find the credit card terms and conditions -- - with the terms and conditions not being easily accessible, how can it be fair for the consumer to expect to remember the terms and conditions which was read years ago when opening the account?    <P/> Bottom line, I think the way US Bank credit card rewards is set to expire, with limited visibility of it happening ( i.e. hidden only in the paperless statements ) is an unfair practice to the credit card consumers.  <P/> Note : I will not be surprised if other consumers are having their reward dollars expire on them without them realizing.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the National Data Breach Notification report , and a prior Validation of Debt letter.
Product: Debt collection

This debt is supposedly for XXXX, a service I have not used in over five years if I am correct. This was on my credit report last year with different totals and was removed for being too old to collect, now they claim a new debt to XXXX was started in XXXX this year, but I do not use XXXX, I have not in a very long time. I can easily prove I have used another service for the time in between, but in the end, My service for XXXX should have expired in XXXX. I filed a dispute, but they didn't respond to the fact this debt was already removed from all three bureaus last year for being too old and are again trying to claim something thrown out.
Product: Debt collection

Financial Assistance , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I've tried repeatedly to have this unknown debt removed via written dispute requests, but the collections agency refuses to validate this debt and perform any valid investigation.
Product: Credit reporting or other personal consumer reports

According to reports received through credit karma and directly through XXXX and XXXX accounts that don't exist such as an account that was now reported as ToysRUsMC, Which I don't have and never have. None of my cards have changed names. 
I've copied all point reductions to show that they were suspicious in nature. The XXXX decrease occurred after paying down depts over fraud on a card was removed and paying down cards totalling over 2000 XXXX The increase that month was under XXXX $ as I purchased my sectional through XXXX. I'm still below 5 % and believe I'm being discriminated against. My score dropped XXXX when the fraud occurred and it was not replaced when it was removed ans should have been. XXXX is necessary for such instances. My loan is paid down every month all cards are constantly paid on time. I have attached the report showing discriminatory practices as far as my scores are concerned. I have XXXX XXXX XXXX cards neither were recently opened and it's stated it wasn't but an additional score hit as if I'm not reviewing it although the score is decreasing. Fraud also occurred on my XXXX XXXX XXXX and I didn't regain the points lost from the fraudulent Activity. Consumers should not be penalized for incorrect reporting or FRAUDULENT ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit reports that I don't recognize. XXXX is recent, XX/XX/XXXX from XXXX XXXX XXXX. Another inquiry was, XXXX XXXX, from XXXX. I did not give authorization for these companies to receive my credit reports.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was devastated to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by myself. This has been a hard burden financially as I am in the process of buying a home for my family.
Product: Debt collection

XXXX XXXX XXXX sent notice to a collection agency PlusFour regarding a debt that was either not incurred or was paid. I have tried to contact the billing department of XXXX, but have been disconnected after excessive wait times. I contacted PlusFour who refused to give me any information.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX. XXXX. I WAS LOOKING AT SOCIAL MEDIA AND COMPLETELY FORGOT ABOUT CHIME PREPAID CARD BECAUSE I HAVE BEEN DOING MY IDENTITY THEFT ISSUES REPORTS FOR SO LONG ON A DAILY BASIS ON MY XXXX XXXX XXXX AND MY TWITTERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH MY BIRTH LAST NAME XXXX XXXX XXXX. I COMPLETELY FORGOT TO KEEP UP WITH MY REPORT WITH THIS COMPANY BECAUSE I TRIED TO CANCEL THIS ACCOUNT AND I WASN'T ABLE TO. IT'S UNDER MY BIRTH NAME XXXX XXXX XXXX AND I OPENED IT AROUND XXXX LIVING AT THE XXXX XXXX BUT I WASN'T ABLE TO CANCEL THE ACCOUNT AND I NEED YOUR HELP TO GET RID OF THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FRAUDSTER XXXX, TRANSUNION AND XXXX  HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information in my credit report in violation on the Fair credit report Act. The following inquieres are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX and hoping that these XXXX XXXX Balance XXXX {$500.00} and XXXX XXXX Balance : {$0.00} Late payment will be updated.
Product: Debt collection

Mid XX/XX/XXXX, my husband received a call from Dynamic Recovery Solution stating that we owed on from XXXX. The account they are referencing has been settled and paid and isn't even showing on my credit report. I can provide documentation that the debt was in fact paid and they continue to call and send messages. 

They then sent me a letter with the same information on XX/XX/XXXX. I contacted them and inquired about this. They again referenced the same account that we had paid. They stated it was past the statutes of limitations. I asked for them to send me documentation of said account and they said they could " put in a request to their manager '' to have that information sent to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of and I do not recognize at all because I did not apply for a personal with CCF INTERMEDIATE HOL. I have also reached out asking that they remove the inquiry from my credit profile.

Please launch an investigation into CCF INTERMEDIATE HOL inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. However, if CCF INTERMEDIATE HOL are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted.

Thanks in advance for your prompt attention to this matter The following inquiry must be removed immediately : 1.- Creditor Name : CCF INTERMEDIATE HOL Date : XXXX XXXX 2024
Product: Credit card or prepaid card

We have had the Capital One Venture card for over 5 years and assumed they would have our backs when we became victims of fraud. We received an alert one day to approve a purchase that we didn't make & when logging into our account to follow up we had over {$4000.00} of fraudulent charges. We called right away, they cancelled our card, assured us they would look into it & the money would be reimbursed to our account. A few days later we received a letter that their investigation didn't prove to be fraud, they believed we made the purchases & all of the charges were put back on our account. The type of purchases, locations & time of day where not normal for us and it seemed clear as day this wasn't us so we are shocked that Capital One said it was their final decision and we are responsible. All of the fraud was on my husbands card and he had it in his possession when this happened. He hasn't been using the card but made recent online purchases through XXXX XXXX this is when the fraud started. There was an attempt on his mothers card too ( she is an authorized user ), she lives in the XXXX but the attempted purchase was in the US, but we caught it in time & it was declined. Capital One is claiming the fraudsters where able to use the chip and that is why they declined our fraud claim. How is this possible?? I feel so frustrated & helpless!
Product: Credit card or prepaid card

I found a Charge offs on my Credit report form BANK OF AMERICA. I disputed it with the CRA it came back verified. I than sent a letter to BANK OF AMERICA about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your BANK OF AMERICA does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 any accounts 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XX/XX/2022 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of unauthorized inquiries on my credit report. I am submitting this complaint due to the lack of investigation into my original dispute of the hard inquiries that does not belong to me. These inquires are hindering me from receiving future credit and I am requesting for these inquires to be removed.