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

XXXX and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of XXXX5 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Provide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A check of whether my data and my husband 's data was taken in the XXXX breach resulted in a " your data may have been compromised '' response on the XXXX website. As a result I put freezes on our data with all 4 credit reporting agencies and then requested annual credit reports from all of them. The Experian report displayed a phone number that was not and never has been mine. I called experian on X/XX/17 to ask why an unknown phone number was on my credit report generated that day. They stated that it might have come from a creditor but could not provide the name of the creditor and the rep laughed at my concern when I asked for an investigation into what creditor sent them the data. I asked for a supervisor to get more information and he then hung up on me. I opened a dispute on the info within the online version of their credit report but their phone response was unsatisfactory, rude and unprofessional. Given the seriousness of this data breach none of these agencies should be treating these issues so carelessly. I have just received via email the results of their " dispute '' followup on the incorrect phone number. It just states that the phone number has been deleted from my report. This response does not explain how the incorrect phone number was added to my credit report in the first place. If they are that sloppy with my basic information he can we trust them with this critical data?
Product: Debt collection

Dear Sir/Madam, I am writing to formally lodge a complaint regarding a fraudulent account that has been reported to TransUnion, one of the major credit bureaus. The account in question, bearing the account number XXXX, has been listed as a collection account, despite the fact that I have never had any association or involvement with it. 

I recently discovered this account 's existence when reviewing my credit report from TransUnion. The account details listed on the report are as follows : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX Balance : {$3100.00} No. of Months ( terms ) : - - High Credit : {$3100.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - ( This account is not mine ) I must emphasize that this account does not belong to me, and I am a victim of identity theft. As such, I demand an immediate investigation into this matter to rectify the fraudulent account and remove it from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to ensure a fair and accurate representation of my credit history. 

Furthermore, I have taken the necessary steps to report this identity theft to the local law enforcement agency. I have filed a police report with [ Name of Police Department ] under the reference number [ Police Report Number ]. Enclosed with this letter, you will find a copy of the police report for your reference and records. 

Case law supports the responsibility of credit bureaus to investigate and rectify fraudulent accounts. For your reference, I would like to highlight the following relevant case : [ Provide the details of the case, including the name, citation, and key points that support your position. ] In light of the aforementioned case and the evident discrepancy between the reported account and my personal financial records, I insist that TransUnion undertakes the following actions : Conduct a thorough investigation into the fraudulent account [ Account XXXX : XXXX ] and its associated details. 

Provide me with a written response acknowledging the fraudulent nature of the account and your commitment to rectifying the situation promptly. 

Take immediate steps to remove the fraudulent account from my credit report and update my credit history accordingly. 

Provide written confirmation, within [ reasonable timeframe ], that the fraudulent account has been completely removed from my credit report. 

Failure to comply with these demands will leave me with no choice but to escalate this matter further. I am prepared to exercise my rights under the FCRA and explore legal remedies to seek redress for the damage caused by this identity theft.
Product: Credit card or prepaid card

I have an account with Chase bank for a Southwest Airlines Credit Card. The original limit was {$12000.00}. There is an annual fee of {$90.00}. Shortly after charging and collecting the annual fee, Chase reduced my credit limit from {$12000.00} to {$3300.00}. This reduction was executed XX/XX/XXXX of 2020. I had just paid down the balance from {$12000.00} to {$3300.00} from XXXX through XXXX. The reduction in credit limit put me over my credit limit. I called Chase around XX/XX/2020 and they said they ran their random account review and that resulted in a lower credit limit. I asked why the limit was set below the remaining balance as this would put me over my limit and be consider negative on my credit report. They said it would not show on my credit report as they have not reported it to the bureaus yet. I started receiving credit monitoring notifications from multiple sources ( XXXX, XXXX, Chase ) that I had new negative account activity to include a large reduction in available credit ( lost $ XXXX in available credit ) and a card reporting over the limit ( this Chase account at {$3300.00}, or {$9.00} over the limit ). I don't believe companies should be eligible for charging renewals and then drastically cutting credit limits. They should conduct the review and if there is a change in terms then its the consumers option to continue the account relationship at the expense of the annual fee. That is not fair I paid {$90.00} to have my limit cut by over 70 %. Additionally, I was not provided enough time to react to their insane credit reduction to prevent myself from being reported over the limit. XXXX  weeks is not enough time for them to send me the communication and allow me to take action to reduce the balance before reporting me over the limit. I want any reference to being over the credit limit removed from all bureau reports.
Product: Credit reporting

I noticed that my name is listed wrong. My maiden name XXXX XXXX XXXX and married name XXXX XXXX XXXX are correct. ( I legally changed my name back to XXXX XXXX XXXX because I am going through a divorce. My name was never XXXX XXXX but it is listed on my report. I would like it removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Product: Credit reporting or other personal consumer reports

i want my credit report fully investigated and show me who and how you investigated
Product: Mortgage

According to my monthly statements, if a make my payment on or before XX/XX/19 then a late charge would not be accessed to my account. I made my payment on XX/XX/19 at XXXX and I received a receipt stating my payment was accepted by XXXX XXXX XXXX. Because the company had close they posted the payment on XX/XX/19 and charge my account a late fee. When I call the company stating that the payment was made on XX/XX/19 and I have a receipt to show my payment was submitted on the date a late charge would not be assess. Gateway stated that because I made my payment after XXXX XXXX and since it posted to the account the next day that I would have to paid the late charge. When I explain that the online system or my monthly statement does not state that there is a time frame on XX/XX/19 that I have to make my payments in so that a late charge would not happen. When I stated that I was going to file a complaint with CFPB, the company made personally comments about me and what my employment was at one point in time. I felt this was very unprofessional because my personal life should have nothing to do with my account at gateway or what I feel should be assessed on my account. the company made a very personal attack that I am very unhappy about
Product: Credit card

Charging {$2.00} interest on a {$1.00} paper statement fee. Also sided with their partner XXXX 's with no communication or documentation how they attempted to review the disputed charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date XX/XX/2022 XXXX XXXX reported a Credit Inquiry to Transunion that was not initiated by me. 

Actions taken by me : I contacted XXXX XXXX and was advised that I would have to dispute with the credit bureau who reported the false inquiry. I contacted Transunion and was told to dispute my written request which I did at least 60 days prior. I have not heard a response from Transunion concerning this. 


On Date XX/XX/2022 XXXX XXXX XXXX  reported a XXXX XXXX to Transunion that was not initiated by me. 

Actions Taken by me : XXXX XXXX XXXX was contacted and I was told to dispute with Transunion. I contacted Transunion and was told to dispute my written request which I did at least 60 days prior. I have not heard a response from Transunion concerning this.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting the removal of the following items listed below that are unknown to me. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove the items within four business days of receiving my previous letter. I have already included this in my previous complaint and am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX Balance {$790.00} XX/XX/XXXX XXXX XXXX  XXXX Balance {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XX/XX/XXXXXXXX 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

I see on my credit report some unknown accounts, I do not recognise nor have i opened or used these accounts, therefore I request to remove the fraudulent accounts from my report, I am currently pursuing all legal avenues in order to get this resolved as a matter of urgency, kindly remove these fraudulent inquiries and derogatory reports from my account. 

XX/XX/2013 a balance of {$3700.00}. 
I am a victim of identity theft and I never opened this account. 

balance of {$720.00}. 
I am a victim of identity theft and this debt is not mine.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees. Despite having sufficient funds available when the transactions were authorized, I was charged fees due to the lagged process of posting charges and credits. The reoccurring issue aligns with the recent findings via CFPB against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe that this is unfair an I am requesting an investigation into my transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax & XXXX  copy of ftc, police report and numerous about the fraud accounts to be remove. I been sent correspondences for a little over a year trying to get inaccuracies removed from credit report. XXXX  continues to not investigate fraud inquiries or say it that it frivolous request per XXXX, XXXX  has block me for online disputes and have to get transferred 4 or 5 times when i do call. The next action is lawsuit for XXXX and possible Equifax aswell
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unauthorized hard inquiries are damaging my credit, violating 15 USC XXXX. Kindly remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 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

My lawyer and credit attorney notified me that there are student loan reporting on my report that do not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting act. The list of accounts has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A.STATES I have the right to privacy.

15 U.S.C. 1681 604 A SECTION2 : 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 card or prepaid card

my credit limit for best buy card is XXXX now is almost XXXX, i haven't be available to pay cause the pandemia .they have been charging me late fees and reporting missing payments to my credit report.
Product: Vehicle loan or lease

Paid off Suncoast credit union for XXXX XXXX XXXXe Tried to start Refund for Gap Suncoast Insurance agent stated Gap Insurance expired 90 days after purchasing car I should have file in XXXX XXXX  had full coverage Insurance also Gap Insurance from Purchase to End Paid for 5 year Gap Insurance Vehicle Paid off Early
Product: Debt collection

I XXXX XXXX, per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given you written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods, 16 CFR 313.7 ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.

( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.

( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( g ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 


RentDebt Automated Collections DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO RentDebt Automated Collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I used a credit repair company ( XXXX XXXX XXXX ) who promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that XXXX XXXX XXXX filed on my behalf. I have called and sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three bureaus. They have not removed the disputes as I have requested.
Product: Debt collection

Approximately in XX/XX/XXXX, I received a subpoena by a law enforcement officer of the state of IL for a debt I was not aware of nor is it mine. These are fraudulent claims or identity theft. Upon checking my credit report as recommended by my friend and discussing the matter with him he suggested I take action to call CaptialOne to inform them of this fraud. They gave me a telephone number to their attorney instead of their fraud department, this was today XX/XX/XXXX. However, I never personally applied for credit with CapitalOne and was successful in obtaining a line of credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Product: Credit reporting or other personal consumer reports

this is my 3rd time sending a complaint about the same inquiries that are not attached to any accounts on my credit report i have called several times and they are saying that my the picture of my id was not clear enough and they have not provided proof on how the inquires were verified
Product: Debt collection

I have a Bussiness under my company name XXXX XXXX XXXX, XXXX i advertised my vacation rental apartment through XXXX XXXX Website A guest came and Stayed in my vacation rental and paid to someway Payment by his american express XXXX XXXX card then the guest decided to dispute the charges and Scam me after he checked in, american express processed a dispute in the favor of their Client of course and reversed the payments with home away payments my account which under my name with home away payments are Negative and they are threaten me by collection which will hurt my credit They send an email and called on the phone threatening me by suing and hurting my credit XXXX