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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute certain accounts that are held by your company. The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXXXXXX : late payment account XXXX XXXX XXXX XXXX : charge off account XXXX XXXX  XXXX : inquiries on XX/XX/XXXX I believe that your company has violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and/or the Fair Credit Billing Act ( FCBA ). 

The specific violations that I believe have occurred are as follows : With respect to the XXXX XXXXXXXX XXXX account, I believe that your company has violated the FCRA by reporting a late payment on my credit report when the payment was made on time. This has caused my credit score to decrease and has made it more difficult for me to obtain credit in the future. 
With respect to the XXXX XXXX  XXXX account, I believe that your company has violated the FCRA by reporting a charge off on my credit report without providing me with proper notification and an opportunity to dispute the debt. This has caused significant harm to my credit score and has prevented me from obtaining credit. 
With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by making unauthorized inquiries on my credit report. These inquiries were made without my permission and have caused my credit score to decrease. 
As a result of these violations, I have suffered financial harm and/or other damages, including being denied credit and having my credit score decrease.
Product: Consumer Loan

This falls in line with the previous complaint made and my recent dispute of the solution provided by the lender ( #  XXXX   XXXX . I received a call on  XXXX  during which I told the Customer Service person that  XXXX  has assured me that all future communication from them would be in writing to which her response was " we do n't have a do not call list ''. She pushed for me to give the detail of when the next payment would be made which and the amount which I gave. On  XXXX  I received another call with this VM "   XXXX   XXXX    I  am giving you a call AGAIN, letting you know I still have your file, we only have a limited time to get this matter resolved so it is important that you call me back today. If not, there 's a possibility that a decision will be made on your behalf that is NOT in your best interest. I 'll be here unti  XXXX   XXXX   XXXX   ... ... ... My name is  XXXX  with  XXXX   XXXX  ''. My payment was posted that day.
Product: Checking or savings account

All this occurred on XX/XX/XXXX. I was in XXXX, Colorado. My new ATM card was always in my possession in my wallet. I was alerted by my daughter that {$5000.00} was deducted from her checking account by tele-transfer and deposited into my checking account. Our accounts are linked on line as she works for us and we transfer money to her. Then when we looked at our account and there were XXXX withdrawals of {$900.00} each and 11 withdrawals of {$500.00} each withdrawn from my account taken out all using XXXX cash which we understand is some kind of sports betting. All this was done with my ATM card which was in my possession. We were shocked this many transactions were allowed by Wells Fargo with no fraud alert. I had only used this new ATM once on XX/XX/XXXX when I withdrew {$1000.00}. I tried to get {$200.00} more out of several accounts and it did not allow it. Yet..someone that was not me was allowed to take {$10000.00} out in 17 transactions on one day with no alert given. The only transaction I made with this card was at a Wells Fargo ATM. So obviously there was some kind of skimmer on that machine. We are shocked we could have {$10000.00} over 17 transactions deducted from a our Wells Fargo account with no fraud alert or protection. Where is the protection when you put your money in a bank that is supposed to keep it safe? So far, no solution from Wells Fargo. Only one phone call in 5 days. Nothing else.
Product: Debt collection

The name of company is First Credit Control, I didnt get enough information to dispute it. This bill is a worker comp bill that worker comp is going to pay. XXXX that I had done of my XXXX and XXXX. My Attorneys have submitted the bill. This agency took upon themselves of placing this bill all of the sudden on my credit. After my attorneys have handled it. They are harassing my credit flagging it to all credit bureaus. This will stop now. They are double dipping. My case with worker comp is still open. They arent authorized to put the bill on my credit. After it has already been submitted for payment. Its Fraud!
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted Lexisnexis and notify them that I opted out of there company over 6months ago, I also notify them that it against the law to report without my consent, My records should no longer be in there system and lexisnexis did nothing there reporting still unauthorized They are Violating my privacy without my consent
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Acct # XXXX opened XX/XX/XXXX with balance of {$410000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX WITH A BALANCE OF {$0.00} The hard inquires that are on my credit that should also be removed and block 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 XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Good afternoon. I'm XXXX XXXX on XX/XX/2024 I checked my consumer credit report. There's a lot of inaccuracies and malicious items that are hurting my chances to life a better a life. I would like for them to be removed immediately. Thanks.
Product: Mortgage

In spite that XX/XX/ 2020 mortgage payment I paid in full and on time, they charged me {$3700.00} late fee.
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person and I was not able to get it back. Had I getting some type of messages to double check who I was sending to, I would have had a moment to check the number. Now it is their before sending but was not before. It was XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several accounts reporting that do not belong to me and are affecting my life in the most detrimental way possible. I am writing to delete the following information in my file, The items are listed in the report. I am a victim of identity theft and did not make the charge, I ask that the items 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 commission 's theft affidavit. please delete the items as soon as possible. These remarks have affected my life and credit health greatly.
Product: Mortgage

On XX/XX/XXXX, Rocket Mortgage approved me of home loan for $ XXXX and provided me a offer letter than will expire XX/XX/XXXX. 
On XX/XX/XXXX, I requested to update the offer letter with the new address of the home I wanted to purchase and rocket mortgage unethically denied my approval and told me they ran my credit yet again and my score was lower than 3 mths ago. My score has now been pulled twice in3 mths, affected my score. 3 mths ago it was XXXX. 
XXXX from rocket mortgage asked me for another XXXX down and said it would be at a higher rate or I wouldnt be approved until my score went up ( although my offer letter hasnt expired yet ). 
There has been no delinquency changes to my credit report in the past 3mths to cause a drop. 
I feel Ive been discriminated against due to being single and a woman. I have great income ( XXXXXXXX plus per yr ) and credit. I also have the 20 percent down payment. 
I have now missed the opportunity to purchase this home. I feel rocket mortgage tried to get more profit from me as a potential customer by approving me and then when time was sensitive they made up excuses to raise profit margin or threaten to deny my loan, even with a existing offer letter. I have documents with all the details.
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter of false and misleading information. The letter stating : Activity on accounts with Synchrony bank indicative of high risk of failure to pay. Synchrony bank has decided to close your account. '' I called Synchrony bank at XXXX the first rep was a female which did a COLD transfer to the Fraud department. A man for the Fraud department gets on the phone " You can hear his children screaming and yelling in the background. '' " A female in the background yelling, " ****x***. '' I was then cold transferred to another guy that was RUDE telling and put me on HOLD for more than 10 minutes while, he finishes his breakfast and cleaning up. ( ( ( ( ( I don't have bad credit or no indication of bad credit.. SYNCHRONY IS LYING AND Their system does not allow me to pay my credit card over the phone only in the store. Now, since, Synchrony has lye and closed my account under false pretenses and their agents are totally RUDE ... The supervisor refused to get on the phone and I request for the agent to file
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of idenity theft. i have XXXX accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXXXXXX XXXX- date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3.XXXX XXXX XXXX XXXX  -date fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX {$0.00} Inquiry XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> Personal Information Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$300.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$770.00} XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is knowingly reporting False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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 a account without my written instructions. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting XXXX XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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. This is in clear violation of my rights. This has caused XXXX  XXXX, hardship as well as XXXX XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct removed. In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no explanation as to why. I check my report regularly, and today there were discrepancies that just popped up out of nowhere. I even refreshed my browser hoping it was just a mistake, but nothing changed. XXXX beyond frustrated with this situation, and I demand a thorough review of the documents I sent so that this problem is fully resolved.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed some incorrect information about a few accounts
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX XXXX on XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX. 

It was XXXX by the court in XXXX. 

The XXXX years has past, and all three credit agencies still show this on my records how do i get his off my credit report? 

thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # # # # # # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have in the past months attempted to reach out TransUnion in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for and was approved for the American Express Business Gold card. The public offer available on the website stated that I could earn XXXX rewards points if I spend {$5000.00} in the next 3 months for my business. I did that. From multiple chats and complaints to the company, I still have not received my award. They say there was no award available at the time. That is false. I have a screen shot of the award I applied for. Now, XX/XX/XXXX, they say I'm not eligible for having this card in the past. I've never had this card in the past. They are now saying I failed to meet the offer of the terms, but I have read the terms and met all of them. They won't tell me which terms were supposedly not met, yet their representatives all agree I completed the spending requirement. Chat rep supervisor XXXX on XX/XX/XXXX says he can have someone contact me to tell me why I didn't get the bonus, and I requested this be sent to me in writing with a citation of the exact term in the requirements and an exact explanation of how I didn't meet this term. Reference for Amex is XXXX for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account.XXXX XXXX XXXX. Please investigate and provide proof with Statements showing that these payments were late. If proof can't be provided I demand this payments be updated to on time as they should be as I was never late. I demand that this account be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a Police, and a FTC report and sent it to the creditor 's, and to Experian Credit Bureau. Experian did remove the items, and then 4 days later it was back on my credit profile. I called Experian and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told Experian once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to Experian disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked Experian how is the creditor verifying debt that is not mine? Experian stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/. XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) this account only just recently reappeared back onto my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has sent info to fraudulent addresses that I never lived at to collect on a debt I never owed. I never did business with this company. I believe identity theft is involved. I need this account removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I never really check my credit, once I applied for a home loan my realtor advised on such account hurting my credit score and ability to purchase a new home. 

I obtain a free report and you contact all appropriate agencies and authorities