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

I took notice to inaccurate information on this account from XXXX, XXXX XXXX. 


The first inaccuracy is that the account numbers are reporting differently on XXXX, Equifax and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both XXXX and XXXX are reporting the account number [ XXXX ] while Equifax is reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence. 

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Debt collection

Between XX/XX/23 and XX/XX/23, I have received at least XXXX calls from XXXX attempting to discuss a " business issue '' involving XXXX and attempting to have me verify personal information. Based on the background noise, the call originates from a call center and the callers have an XXXX or XXXX accent. I have refused to provide them information and blocked the number. More recently, however, I received a correspondence from " Credence '' ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX ), dated XX/XX/23 attempting to collect a {$41.00} debt on behalf of XXXX. 

On XX/XX/23 ( XXXXXXXX XXXX ), I called XXXX ( XXXX ) and confirmed with the XXXX that my account with them had been closed effective XX/XX/23 and that the final payment for my account was received on XX/XX/23 for {$31.00}. She further confirmed there was no past due amount on my account and that they had not contracted with " Credence '' to collect a debt from me, nor had XXXX had sold a debt to " Credence '' that I previously owed them. She further confirmed the account number shown on the correspondence from " Credence '' was not the account number for my previously closed account. 

Following my call with XXXX, I reached out to Credence ( XXXX XXXX ) at the number listed on the correspondence received. The recorded message advised the offices were not open and that their hours of operation were from XXXX XXXX XXXX XXXX XXXX XXXX  I called back during those hours and the XXXX had the same XXXX or XXXX  accent and sounded to be in a similar call center. She immediately began trying to verify personal information. I provided her the " Credence Reference '' number from the letter and advised that if she was legitimate, she would be able to obtain any needed information on her own. When she was unable to do so, I advised her that I believed they were scam callers based out of either XXXX or XXXX and requested my name and number be removed from their database. 

The State of Louisiana 's office of motor vehicles recently advised residents of a data breach and have provided XXXX subscriptions. I have taken advantage of the subscription as of XX/XX/23. 

Thank you for any assistance you can provide.
Product: Debt collection

I continually receive calls from XXXX which shows as " HSBC XXXX XXXX '' requesting to speak to somebody who i do not know and is not at my phone number, i have had this same phone number for 5 years. i ask the person to identify where they are calling from and they refuse to do so. I ask specifically if they are calling from XXXX XXXX and they say no, it is a personal business business matter for the person they are trying to reach. i explain the person is not at this number, never has been and ask them not to call, but they keep calling. at least 10 times in past week,
Product: Credit reporting or other personal consumer reports

I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all 3 bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents Ive submitted so I wont have to deal with this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! This is my last and final attempt to file a complain to the bureaus. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN and XXXX credit bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : 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

Pennymac Loans # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX XXXX XXXX a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you reframe from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably
Product: Money transfers

My daughter in law recently answered a XXXX add for a used car. The seller said that he was a XXXX ( which is theft of valor and a federal offense! ) and if she sent the first half of the money ( {$2000.00} ), he would have his XXXX drive the vehicle to her. She sent the money through money gram ( who only has a 30 min. Guarantee ), a week later when she did n't receive the car, all of the sellers information was gone and money grams guarantee period was over.
Product: Debt collection

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries Violation of FCRA Section 605B Complaint Details : I am submitting this formal complaint against XXXX for failing to remove unauthorized inquiries from my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ).

My personal information was compromised in a data breach, and as a result, fraudulent inquiries have appeared on my credit report without my authorization. Under FCRA Section 605B, as a victim of identity theft, I have the right to request the immediate blocking and removal of any information resulting from identity theft. 

Despite submitting my identity theft report and supporting documentation, XXXX has either failed to act or improperly categorized my request as a standard 30-day dispute under FCRA Section 611, which is incorrect. Section 605B explicitly requires the immediate blocking of fraudulent items once an identity theft report is provided.

Requested Resolution : I demand that [ Credit Bureau Name ] immediately remove all unauthorized inquiries related to identity theft as required under FCRA Section 605B. I also request a written confirmation of these removals and an explanation of why my request was not handled properly in the first place. 

Supporting Documentation ( Attached ) : Copy of my Identity Theft Affidavit Police report ( if applicable ) Copy of my credit report with unauthorized inquiries highlighted Failure to comply with the FCRA may result in legal action, including monetary damages under 15 U.S.C. 1681n and 1681o. I expect a prompt resolution in accordance with federal law. 

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

I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors. friends. or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

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

The following information is incorrect Personal Information that is listed on Experian credit reporting agency that does not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I informed all credit agencies that there was a hard inquiry from XXXX and XXXX XXXX that didnt belong to me and they stated it would be removed with 30-90 days and that was only over 6 months ago and these inquiries and it still hasnt been resolved. Please assist with helping me to have those inquiries to have these removed permanently. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to address multiple alarming violations regarding my consumer credit report, which I believe entitle me to monetary compensation under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s2. Specifically, I have identified unauthorized inquiries on my report which I did not initiate. These actions violate 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ), which governs the furnishing of consumer reports in connection with credit or insurance transactions not initiated by the consumer.

Upon reviewing my consumer credit report, I identified the following unauthorized hard pull : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As stipulated under Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report in connection with credit or insurance transactions not initiated by the consumer only if : The consumer authorizes the agency to provide such a report.

The transaction consists of a firm offer of credit or insurance. 
Additionally, FCRA 15 U.S.C. 1681b outlines the permissible purposes for obtaining consumer reports, which require explicit consumer consent. I have not provided any written consent for these inquiries, and I demand their immediate deletion from my credit report.

Furthermore, I have experienced identity theft resulting in the unauthorized use of my Social Security number. This has been reported to the Federal Trade Commission, and an FTC Report is enclosed for your reference. According to 15 U.S.C. 1681c-2 ( c ) ( a ), you are required to block and remove all information resulting from identity theft within four business days upon receipt of a proper complaint. The specific unauthorized accounts 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with these regulations is a violation of : 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance, with each violation incurring statutory damages of {$1000.00} or actual damages, whichever is greater.

15 U.S. Code 1681o - Civil liability for negligent non-compliance.

Additionally, your actions constitute : Defamation of character.

Negligent enhancement of identity fraud.

Multiple violations of the Fair Credit Reporting Act.

Violation of privacy rights under 15 U.S. Code 1681a ( 4 ).

To address these issues, I demand the immediate removal of the aforementioned unauthorized inquiries and accounts from my credit report. Enclosed, you will find the necessary information to facilitate this process. 

Should you have any questions or require further information, please contact me at the address provided above. I expect a prompt response and resolution to this matter. Failure to act accordingly will compel me to pursue legal action, seeking damages for each violation as allowed under the law. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

Around XX/XX/XXXX, I logged on to make a payment to my Amex account. I was experiencing financial turmoil at the time, so I assumed the balance was maxed out, or closed to being maxed out, and that my minimum payment would only tread water. It had a {$2000.00} limit, so I was surprised when my current balance showed over {$4000.00}, and that my minimum payment was almost {$300.00}. My statement showed that multiple cash advances were made from ATMs, and that payments were subsequently made to continue doing so. These payments were made from bank accounts added to my account without my knowledge, as they did not belong to me. Then, these payments were returned. Amex conveniently updates its balance before it receives the actual payment, assuming the customer has it. Multiple were from XXXX  XXXX XXXX, a place Ive never banked at, the other was a bulk payment from XXXX, apparently a bank based out of Texas. Ive lived in Michigan my entire life ; Ive never even traveled to Texas. Needless to say, I called Amexs fraud dept. They assured me they would open an investigation and I wouldnt be held responsible for these charges. They relayed that they would call me back the following day so they can go over what they discovered. The following day they confirmed these were in fact fraud, and that Ill slowly see the charges fall off. And they started to. However, my payment was due and that I needed to make the minimum. I explained to them that money was tight, and that I only had enough to make the minimum payment ( before these charges, that is, which was {$62.00} ). Amex, however, wasnt satisfied with that. They said I needed to make the full {$300.00} minimum payment now. Since I couldnt, they closed the fraud investigation and closed my account the next day. It now shows as a serious delinquency on my credit report. Ive since asked Amex in XXXX of XXXX to send me an entire copy of my statements, including payments, transactions, and returns, to which they reiterated that it would be emailed in XXXX. It never came. I have attempted to dispute this twice through XXXX, which they claim the information is accurate. Amex has since charged off the debt and is unwilling to help me in any capacity, as they claim they no longer have the information pertinent to the account.
Product: Debt collection

First, I've spoken with this company in a timely manner and asked them to send me I asked him to provide any type of proof that this is my debt, and I also asked him to remove any debt is company placed on my credit reports, he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, 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 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a fraudulent closed credit card account in the amount of {$430.00} from XXXX XXXX XXXX. I reached out to the company around XX/XX/2020 and advised them that this is not my account and that I am a victim of identity fraud. XXXX XXXX XXXX replied that since they are the original owners of the account that they don't have to validate the information. I mailed a FTC identity theft affidavit to XXXX XXXX on XX/XX/2020 and they still refuse to remove this fraud account. I disputed this account through the credit bureaus and they responded on XX/XX/2020 that they were able to validate the account but did not provide me with the validation or any proof that this account belongs to me.
Product: Credit card or prepaid card

I have a Shop Your Way XXXX ( Acct # XXXX Current / XXXX Previous ) and have made multiple attempts to have two fraudulent charges removed from my billing statement. 

The following fraudulent charges that were posted on my Shop Your Way Mastercard : XX/XX/2020 XXXX {$280.00} XX/XX/2020 XXXX  {$300.00} While I am a current customer of XXXX I have never issued payment via the Shop Your Way Mastercard, as I always make this payment via check directly to XXXX Per a request as part of the dispute process, I provided the following documentation ( both fax and post mail ) to support the dispute of these fraudulent charges : XX/XX/2020 Copy of the Cancelled Personal Check to XXXX for my XX/XX/2020 billing cycle. ( {$220.00} ) I have provided all of the information requested, and multiple attempts to remove these fraudulent charges have been ignored. I am an elderly person ( in my XXXX 's ), and this is causing a great amount of stress based on the fact that Shop Your Way Mastercard organization refuses to recognize that these charges are fraudulent and act accordingly.

Attached to this complaint is all of the documentation that the Shop Your Way Mastercard fraud team requested. I appreciate any and all assistance that you can provide in resolving this matter to my satisfaction. 

XXXX XXXX