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

I have a car loan from CHRYSLER CAPITAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHRYSLER CAPITAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CHRYSLER CAPITAL with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

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

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

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

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Mortgage

Foreclosure sale is XXXX XXXXXXXX XXXX received letters from foreclosure attorney my home was being foreclosed. Attorney sent foreclosure letter to my home address but no other letters. I was to receive at my mail and home address. Mortgage servicer, foreclosure attorney did send notice of XXXX of mortgage debt, delinquent notices, demand for delinquent mortgage payments, letter referring mortgage to foreclosure attorney. Foreclosure attorney has not sent correspondence to validate the debt. Only received foreclosure sale date from foreclosure attorney. I understand in Tennessee I was to receive validation of the debt XXXX to 30 days before the foreclosure sale date is set. I have provided XXXX my documents for mortgage assistance. XXXX has the wrong address refuses to update my address after many requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX RE : DisputedAccount-NoticetoFurnisher Hard Inquiry Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or a account, and I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX and XXXX   responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX  but XXXX, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
Product: Credit card or prepaid card

My father purchased {$50.00}. gift card, MasterCard, from his local store and gave it to me for my son 's XXXX gift. The online site for " registering '' the new card was down during entire winter break, and thereafter, said the card 's number did not exist. Called customer support, and they can't pull up ANY history for the card ; they state the card number isn't in their database. This is a new card, never lost or stollen. This is theft by MasterCard gist card services.
Product: Debt collection

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX Nothing happened
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to 15 U.S. Code 1692c - Communication in connection with debt collection c : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Reporting to the consumer reporting agencies is a form of communication. The following companies have reported a collection on my credit report and have violated my consumer rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Acct. # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN Acct # XXXX I am requesting these accounts be deleted from my reports.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as the incorrect addresses of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Wells Fargo agreed on XX/XX/2020, at XXXX XXXX   CDT, on XXXX, to give me a XXXX interest-free payment deferral on a personal line of credit account, because I lost my job as a direct result of travel restrictions related to the XXXX pandemic. Despite this agreement, Wells Fargo continued to process the automatic payment from my checking account on XX/XX/XXXX, causing my account to overdraw. I am now left with no access to any cash. I called Wells Fargos customer service line, and am now on hold, have been on hold for 1 hour and 5 minutes, with XXXX callers ahead of you in queue, with an average hold time of 1 hour 38 minutes.

Regardless of whether I am able to resolve this problem on the current phone call with Wells Fargo, I still request the CFPB investigate Wells Fargo 's practices around COVID-19 deferrals, as either their negligence or their deceptive practice has put me ( and likely others, given the volume of callers on the PLOC customer service line ) into a desperate financial position at a very vulnerable moment.
Product: Checking or savings account

I had a debit coming out my account for XXXX to XXXX It posted on the XXXX but was returned on the XXXX for insufficient funds but when they took the money out it was XXXX left in the account. I called they took me that there wasnt enough money in the account to clear the purchase. I explained to them that I had a balance after the charges came out and plus I add money from my savings. I was told that I just simply didnt have enough money in my account.
Product: Checking or savings account

Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the handling of the investigation into unauthorized charges on my account. On [ date ], I noticed several charges on my account statement from XXXX XXXX XXXX for products that I never received. Despite reporting these unauthorized charges to Chase Bank and requesting an investigation, I have not received a satisfactory resolution. I have evidence in the form of an email from XXXX confirming that they issued a refund for the unauthorized charges and advised me to check with my bank to ensure the funds were returned. However, the charges have not been reversed, and as a result, my account is now in the negative, causing significant inconvenience and financial distress. It is clear that the investigation conducted by Chase Bank into these unauthorized charges was inadequate and failed to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX CT XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXXl XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX  and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/year> Equifax, XXXX, & XXXX Request to Update Address and Remove Inaccurate Accounts I am writing to formally request an update to my personal information and the removal of any inaccurate accounts associated with a previous address. Please update my current address in your records to : XXXX XXXX XXXX XXXX XXXX Tx XXXX Additionally, I have noticed all accounts on my credit report that appear to be linked to an outdated or incorrect address. These accounts do not belong to me and should be removed from my credit report as they are inaccurate. Per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct these errors by updating my address and removing any accounts that are not associated with me. I have attached copies of my identification and proof of my current address for verification purposes. Please complete this investigation and provide a written response within the legally required 30-day timeframe. If you need any additional information, feel free to contact me at the details provided above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I first sent out my disputes to the XXXX CRAs on XXXX via fax and certified mail the same day. I only sent XXXX letter to TransUnion without " additional information ''. This is the way that everyone sends in their disputes. I received a letter today stating that my original letter was received on XXXX/XXXX/XXXX and " additional information '' was received on XXXX/XXXX/XXXX, therefore they have an additional 15 days and that it will be completed on XXXX/XXXX/XXXX instead of the 30 days mandated by law under FCRA XXXX XXXX. This is unlawful ; I never sent anything other than my XXXX letter with identification. They are not allowed to do this. I know many people who have done the same thing and they did not receive letters as such and I have also consulted an attorney and they said this is against the law. They MUST process within 30 days.
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 XXXX : XXXX Account XXXX : 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 XXXX 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 reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Transunion will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Address of XXXX, AL is showing on credit report and I have never lived at this address. I have lived in XXXX, AL all of my life and address should reflect as such. Current street number is XXXX, however I do not want to put the full address in this memo due to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TXXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently a copy my credit report and saw that i had fraudulent accounts on my report, please remove these accounts from my report as theyre hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 reporting or other personal consumer reports

This company keeps sending unsolicited marketing services for credit repair that I do not need and they will not stop. 

The email is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing the copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Employers : XXXX 6. The following personal information is incorrect Employers : XXXX XXXX 7. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Account Number:XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX tries collect wrong amount on contract it clearly says early termination results XXXX move out.They kicked me out the apartments for criminal.mischief..I don't owe anything because it was proven that I wasn't the one who did anything..They sent a letter apartments Said you have 3 days to leave..So I don't owe anything says I owe XXXX I was only there XXXX days so they owe me money