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

Under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), no entity is permitted to access my credit report without my explicit consent or a permissible purpose. The following hard inquiries appear on my credit reports without my authorization. I am demanding their immediate removal as they violate my consumer rights. 

As of XX/XX/XXXX, the unauthorized inquiries include XXXX XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ( XXXX entries ), XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX ; XXXXXXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ; and XXXX XXXXk on XX/XX/XXXX. 

Per FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or unauthorized items on my credit report and demand their correction or removal. These inquiries have negatively impacted my credit score and must be deleted immediately. 

I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer.

* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions. 
* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate. 

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act EASTERNACCOS 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XX/XX/XXXX. all three credit bureaus have the incorrect date in there system, that reads XX/XX/XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with XXXX and transunion because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I made a {$130.00} purchase from The XXXX. A {$30.00} t-shirt and {$100.00} XXXX constituted the subtotal with {$7.00} shipping. On XX/XX/XXXX I received the t-shirt in the mail. The delivery notification email said both items were in the shipment, so I contacted the merchant saying only the t-shirt was delivered and requesting tracking information for the XXXX. I contacted them on XX/XX/XXXX and received no response. On XX/XX/XXXX I disputed the purchase with Apple Card XXXX. On XX/XX/XXXX the dispute was rejected. I reopened the dispute and attacked images of the package only containing the t-shirt when opened ( the packaging is only the size of the t-shirt bag ), the email sent to the merchant, and no response in my inbox. On XX/XX/XXXX the dispute was rejected again because there is no evidence to substantiate the claim. I called Apple Card XXXX and explained the situation again and asked what evidence they needed of an item that was not delivered. They said I could only reopen the claim. I reopened it on XX/XX/XXXX and it was rejected for the same reason on XX/XX/XXXX.
Product: Debt collection

On XX/XX/year> I made a payment with XXXX XXXX to satisfy a debt through XXXX XXXX  XXXX XXXX but I was not responsible for the debt so I need to be refunded for the payment made. I need to be refunded via check to my mailing address.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit card

I make a purchase from instant card with my credit card. I order some things that never came. I open at this view with XXXX credit card XXXX credit card refuse to dispute the charge for the item I have never delivered or never receive.
Product: Debt collection

I XXXX XXXX am writing this to inform you of your failure to send me a notification before putting this on my consumer report. I never received any documents pertaining to nthis alleged debt. This is a violation of my consumer rights. You don't have the authority o add something to my report without written notice and my consent. Pursuant to 15 usc 1692b ( 2 ) you cant state that I the consumer owes any debt. Also Pursuant to 15 usc 1692a ( 5 ) Debt means any obligation or alleged obligation. I am the original creditor Pursuant 15 usc 1692a ( 4 ) and only I can validate this debt. I am the natural person and the consumer and only I can validate this debt in which I DO NOT validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to the computer glitch that was Transunion problem and not mine and caused my inquiries to be deleted. When I reviewed my credit again, I noticed that Transunion added the inquiries back onto my report without giving me the legally required notice 5 days prior to them re-adding the inquiries. I contacted Transunion in good faith asking them to delete the inquiries that, they illegally re-added and they told me I would have to reach out to the different companies who pulled my credit and dispute directly with them. These inquires add hardship and my rights have been violated by Transunion. <P/>Transunion also has my name misspelled and have been asked several times to remove the misspelled names and wrong addresses.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THE REPORT. 
I AM A VICTI OF IDETITY 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 COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISION 'S IDENTITY AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit card

Capitol One Data Breach & Settlement. 

Per the phone representative, an email was " successfully '' sent to my XXXX account on XX/XX/2022. After searching my inbox and recognizing several emailed communications from Capitol One, including information on monthly statements and promotional material. I was not successful in finding an email from Capitol One referencing a data breach or the settlement claim. 

I was told by the phone representative that it may have gone to my spam folder. I checked my spam and did not see anything from Capitol One. I find it extrememly odd that I am successful in receiving promotional emails from Captiol One but not ble to find an email and did not receive any USPS communication regarding this settlement. 

I firmly believe Capitol One did not due their due diligence in notifying customers.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquires. I requested for them to be removed and i did not receive a respond after issuing a identity theft report.
Product: Debt collection

RE : XXXX - New pertinent info. 

On, or about XX/XX/21 I received an email from Comenity Capital Bank stating that they closed and charged-off my XXXX account then sold the fraudulent debt to XXXX XXXX XXXX XXXX XXXX XXXX despite ongoing litigation. 

On, or about XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX, but the representative I spoke with said, XXXX was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if XXXX does take possession of the account, Im going to name XXXX XXXX XXXX XXXX XXXX as a defendant during litigation as well. 

On, or about XX/XX/21 I received an email from XXXX XXXX XXXX XXXX XXXX stating that they had purchased the fraudulent XXXX account from Comenity Capital Bank, despite our previous conversation. 


Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX
Product: Mortgage

On  XXXX   XXXX ,  XXXX ,  XXXX  ceased servicing our loan and sold those rights t o Select Portfolio  Servicing. We disputed  XXXX  's handling of the servicing and the late fees they had alleged were due and this dispute was ignored.     Then, during the transfer from  XXXX  to  Select, Select did  not pay our Real estate taxes on time in  XXXX .  XXXX   XXXX   School District verifie d the receipt of the late payment penalty check #  XXXX  in the amount of {$290.00} prepared on  XXXX   XXXX ,  XXXX  from  Select Portfolio ( see attached ). (  This tax payment should have been made by the discount date as wel l ). Th is failure to pay our real estate taxes timely and had we not caught Select 's error, our home was placed in jeopardy of being sold at sheriff sale by them. Upon learning of the error we filed verbal and written complaints with Select that were initially ignored, acknowledged on  XXXX   XXXX ,  XXXX  &  XXXX   XXXX ,  XXXX  and eventually dismissed. They forwarded to the real estate taxing authorities amounts that were greater than the discounted amount and the face value. They have not refunded those penalties and interest to us. They had us absorb and pay amounts that we were not legally required to pay. This higher payment disbursement amount and their failure to fix what had been done was the direct cause of financial hardship for us.  Select Portfolio  then increased our escrow account monthly payment to approximately {$660.00} an increase that was calculated incorrectly and caused an even greater financial hardship.     These errors and increases resulted in threats to foreclose on our principal residence.     After getting no reasonable response to the above issues, we prepared and submitted a request for mortgage assistance and that was not handled properly. We provided Select with all of the information they requested timely. We have been paying 5.125 % interest on our loan when we should have been approved for a reduction to below 4 %. This would have resulted in a savings of at least $ 200 /mos.      Their use of foreign call centers has contributed to this company 's failures as well.
Product: Mortgage

In XX/XX/XXXX and as of today Flagstar Bank holds my mortgage. In XX/XX/XXXX Flagstar Bank placed my property into foreclosure after making my timely payments under their loan modification ( see attachment ) and referred the matter to their Attorney 's " XXXX, XXXX, XXXX XXXX XXXX ''. In fear of losing my property I hired " XXXX XXXX XXXX XXXX '' to whom I paid over {$5000.00} in fees, only to learn from their website they was doing foreclosures for Flagstar Bank. I brought this to their attention and they quickly removed it. To no avail with " XXXX XXXX XXXX XXXX '' and Flagstar Bank charging me outrageous fees and I feel deliberately holding back, I was forced to use my retirement funds to pay Flagstar Bank Attorneys {$31000.00}. Due to illness and XXXX I fell back in XX/XX/XXXX only to go through Flagstar same actions. I paid the rears as per their Attorney 's " XXXX, XXXX XXXX XXXX '' and now Flagstar is stating they are not accepting the funds and I need to contact their Attorneys to find out why. The same I had hire an attorney for this matter just find out the status of my loan.
Product: Debt collection

I have been receiving calls from Phoenix Financial Services, with the most recent being XX/XX/2019. When they call, now their number is showing up as " account services '' on caller ID. Seems like a form of entrapment. When I answer, they ask if they are speaking to ( my name ) and they do not disclose who they are unless I ask. I will then ask what they are calling in regards to, at which point they will not tell me unless they know they are speaking with ( my name ). Now, I have received calls from other debt collection agencies in the past who upon answering state who they are and why they are calling. Phoenix Financial seems like they are being deceptive and not forthcoming about their intentions, they do not even disclose that they are a debt collector. I had to look them up to find that out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ran a credit check on me in connection with a loan and found one late payment on a XXXX XXXX XXXX account. I have never had a XXXX  XXXX XXXX account, but in respons to my challenge, Experian merely stated that XXXX XXXX XXXX confirmed that the account was mine. Experian provided no facts in support of their contention, provide no documents that would even suggest that I had an account with XXXX, and presumably, they did not because XXXX  XXXX XXXX gave them none. Instead, Experian mindlessly mouthed what XXXX had told them. I repeat : I have never had an account with XXXX. The Dispute Results Report # is XXXX. These Experian people are pathetically inept, and when talking with them, they will tell you anything to get rid of you and then do nothing.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Student loan

I have had several life changing facts that cont to be being un able to pay those loans. I have yet to be able to find a job or even go back to school to finish. The loans hinde my credit score which is a trickling effect to my life and those in it
Product: Debt collection

Company contacted my title company to attempt to acquire funds outside of the amount they already had a lien for. The company informed a third party of my additional debt with them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian - BASICALLY I NEED TO TALK TO A HUMAN BEING AT EXPERIAN TO CLEAR THIS UP. IT IS IMPOSSIBLE TO REACH ONE THROUGH ANY OF THE 6 OR SO PHONE NUMBERS THAT WERE POSTED AND THAT I TRIED. THEY SEEM TO HAVE CHANGED THEIR VOICE MAIL SYSTEM AND THERE IS NO WAY TO TALK TO A HUMAN BEING. In XXXX they noted a fraud hold on my report and I could not remove it. I sent in a written request and they wrote that the fraud hold was released. On XX/XX/XXXX my bank tried to get my credit score and the system said that there was a fraud hold. I tried again online and could not release it. Somehow I got to a human being and was informed that there is no fraud hold, but that the address that I lived in 27 years ago is the address on the account. I was told to put in a notice of a new address - I could not do it online had have just mailed it. I opened an online file for my old address ( I still own that property, but rent it out ) and another for my current address. I then checked the reports ( both under my correct SS # ). Both reports had no credit information. I need them to get my credit information on my current file so that my bank can get a credit score. I CAN NOT REACH AN EMPLOYEE TO HANDLE THIS!!!
Product: Money transfer, virtual currency, or money service

In XXXX XXXX, I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX  to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. The total loss I experienced was {$55000.00}. 

I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. All payments to XXXX XXXX XXXX were made in the way of cryptocurrency ( crypto ) transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All such transfers were made through my wallet hosted by Kraken. I consider the beneficiary wallets being an integral part of the fraudulent scheme behind XXXX XXXX XXXX. I also know that under the so-called travel rule, virtual assets services providers ( XXXX  ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including the hosting exchange ) and/or if the beneficiary wallet is unhosted. Based upon the understanding that Kraken is acting compliant and will provide the due care towards its own wallet-holders ( such as me ), I have send a relevant request for provision of information ( Attachment called " XXXX XXXX XXXX XXXX Letter of Demand to Kraken ( XXXX ) '' and " XXXX XXXX XXXX XXXX XXXX Against Kraken ( CFPB ) '' ). Such letters were solely based upon the assumption that : ( a ) Kraken should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX as it declares and advertises ) ; ( b ) neither part of the information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) I have justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto exchanges that possibly hosted wallets, to which I made transactions. 

As a matter of fact, said letters are requesting information ONLY about the name of the beneficiary person and the location ( hosting entities ) of the beneficiary wallets where I have transferred crypto from my Kraken hosted wallet. It is based upon the travel rule requirements imposed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( v. XXXX ). With slight deviations in the thresholds and the required information to be recorded, similar regulations are adopted by XXXX, XXXX, and XXXX. Unfortunately, Kraken failed to provide a response to my justified request.