23daVinci/CFPB_Complaints huggingface dataset:
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
Product: Debt collection

I am a victim of identity theft I notice a rental property was open in my name without my knowledge or consent the amount owe is {$2200.00} I have filed police report and seeking legal action against the person who committed fraud in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XXXX, 2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XXXX, 2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written XXXX and Equifax!!!!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion regarding several unauthorized inquiries on my credit report. My name is XXXX XXXX ( Social Security Number : XXXX ) File # XXXX, and I have experienced significant issues related to my personal information being involved in three separate data breaches. These breaches have resulted in multiple fraudulent activities, including unauthorized credit inquiries, which are damaging to my credit history. 
Specifically, I have noticed XXXX inquiries on my credit report that do not belong to me. XXXX of these inquiries originated from my bank, which, after I was notified that my information had been compromised in a breach, allowed fraudulent transactions to occur in my bank account. The fraudster transferred money to XXXX using my information and attempted to apply for credit in my name. While my bank has rectified the situation by reversing the unauthorized transactions, the inquiries associated with these fraudulent applications are still present on my TransUnion credit report. 
These unauthorized inquiries, which have resulted from identity theft, are negatively impacting my credit and violating my consumer rights. I have reached out to TransUnion to dispute these inquiries and inform them of the breach, but no resolution has been reached. I am requesting immediate removal of these unauthorized inquiries from my credit report, as well as an investigation into how these fraudulent activities were allowed to occur without my consent. 
As a consumer, I have the right to a fair and accurate credit report, and XXXX failure to address this issue promptly is causing significant harm to my creditworthiness. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my rights are upheld. 

Thank you for your attention to this serious matter. 

Unauthorized Inquires : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692c - communication with a debt collector, I never gave these people my information and they are considered or better yet known as a debt buyer. this is my putting XXXX XXXX on notice that this is a cease and desist. which is a legal refusal to pay a debt. which means no communication what so ever pursuant to federal laws. further more! pursuant to 15 USC 1681e ( b ) - compliance procedures. ( b ) Accuracy of report // Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. have have has this corporation been able to defame my reputation which is also better known as my credit for so long with out any over sight from the actual credit agency. which leads me into the following issue, which are supported by case law, the assumed to be creditor which are really collection agencies, have been misrepresenting the debt for quite some time now, this corporation openly admits to being a debt buyer and not the original creditor henceforth they are unable to provide a contract or validate the debt. they have deleted the information from XXXX yet still report on experian and XXXX. 
account number XXXX and have also just within the last two years on the experian and XXXX credit profile reported missed payments. which have lead to defamation and are causing financial injury pursuant to XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX. XXXX XXXX XXXX XXXX. the fine equaling the extent of damages incurred by the wronged party as deemed by the courts. which just with missed payments alone equals {$24000.00}. Which I am certain any district court willl rule in my favor after presenting the evidence. 
further more! this misrepresentation of the debt which is against federal law and there are protections prohibiting such behavior and protect me the consumer from such actions pursuant to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX ), and the protection under the fair debt collections act which was passed in by the XXXX XXXX XXXX XXXX XXXX and copied into law on XXXX which can be found in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Capitol One Bank USA N A Original creditor Open balance {$470.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - This account was not obtained by me. 

XXXX : Original creditor Open balance {$340.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - I don't owe them anything XXXX : Original creditor Open balance {$2000.00} Opened on XX/XX/XXXX ( XXXX mos. ) Remarks : Collection account - This account doesn't belong to me.
Product: Debt collection

I was a customer of XXXX XXXX XXXX XXXX, I changed insurance companies and went to XXXX XXXX effective XX/XX/2020 Policy # XXXX. I called and notified XXXX of the change and that I would not be renewing my policy with them. They continued to enforce the policy under the COVID19 assistance program, which I did not need, nor did I ask for. After two months of this continued billing, they charged me {$430.00} for insurance coverage that I called and cancelled, did not request an extension nor did I need the insurance. 

XXXX has now sent the account to Credit Collection Services, XXXX XXXX XXXX, XXXX MA XXXX for collection and it has been added to my credit profile.
Product: Checking or savings account

Hello, I am making this claim against chase because I personally deposited a check that the insurance company sent me on XX/XX/XXXX. They told me that the funds were going to be available on XX/XX/XXXX and it was not like that, they withheld the check. For the amount of {$5300.00} I am not sure exactly the amount but it was impossible to take the check or to cancel it I went directly to the bank without knowing it the check was not signed by First Acceptance insurance, but the one who received the check at the bank I change it without any problem. The 8 days passed that the funds would not be released until they contacted the XXXX XXXX company and they gave them authorization of all the telephone numbers they said that they did not give authorization when it was lies XXXX XXXX was willing to help me so that I could recover my vehicle. They told me a different story that every time I called that XXXX XXXXXXXX needed someone of theirs to go personally to authorize that check, that the number I provided was not from XXXX XXXXXXXX or that it was not authorized in the system I was so frustrated since my vehicle was in an auto body and paint repair shop that I called the insurance company to cancel the check or try to do something but it was impossible because they had already cashed the check in my account but it was withheld and my account was closed to this day I have problems, that's why I lost my job, the car was taken by the financier from the workshop because I had no way to pay the amount of the damage to the vehicle I don't have a copy of the check because I personally left it in the bank. This surprised even the people who work at chase because I told them that it was very strange why they didn't cancel the check or send it back. This is all because they kept the check using my funds without the ability to release the funds to me or return or give me the opportunity to get my funds back. 
I would ask you to please help me resolve this case since the amount of this payment arrangement is still owed to my account, my credit was damaged, there were many damages caused to me by this situation. now mimes I opened an account with chase with the hope that they will solve something for me and I deposited 2 insurance checks, XXXX for a XXXX dollars and the other for XXXX and they also retained the XXXX check I would like to please get help.
Product: Vehicle loan or lease

Toyota financial services hasn't been applying my payment and balances correctly on statements mailed out all statements mailed from XX/XX/XXXX til now are wrong payments have been made and aren't reflecting correct balances payment for XXXX dollars also XX/XX/XXXX payment made for XXXX also on statements where it says vehicle/last XXXX of XXXX XXXX isn't the correct collateral on promissory note
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a payment plan for a medical bill with XXXX. I was making my payments on time for over 8 months. My debit card attached to my payments was compromised. Someone stole my info and was charging online. My bank cancelled my debit card. The same day my card was cancelled my XXXX payment went through and declined due to the card being cancelled. I realized this 5 days later when I was still looking at what was attached to that debit card number. I then made the payment. I was notified by XXXX a week later I was sent to a collection agency. I called the collection agency they stated if the balance was not paid in 21 days it would be reported to my credit report. I went to the XXXX office and explained the problem they stated if I could prove my card was stolen they would take the account back. I got all the info and submitted it to XXXX. They then told me they could not take my account back from the collection agency. I was NEVER late on a payment, so therefore how can I be turned over to a agency and 21 days later it was reported on my credit report. On the credit report it said I was delinquent since XX/XX/21. This all happened in XX/XX/XXXX. I thought you have to be 180 days late even to be reported to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX/XXXX account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA XXXX XXXX. XXXX, all unverified accounts XXXX be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose. 

( a ) Accuracy and fairness of credit reporting. 

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I know they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

On XX/XX/XXXX and XXXX 2022, i have sent Mandarich Law Group, LLC an email and mailed in a letter stating I am going through a extremely difficult financial hardship situation and much more. I paid at least {$1.00} today on XX/XX/2022 the reference number is XXXX. I also stated that I will provide at least {$25.00} dollars per month until my debt is cleared. 

At this moment of time this is really all I have to offer and will do for your law group until things start to change for the better.

I will also send Mandarich Law Group a copy of every statement that contains {$25.00} to their XXXX XXXX in XXXX Illinois. 

Kind regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/XXXX I mailed my XX/XX/XXXX payment via Standard delivery. The payment was not credited to my mortgage account until Thursday XX/XX/XXXX, 9 business days after it was mailed. As a result, PennyMac is reporting my Mortgage account as 30 days late for the XX/XX/XXXX payment. Per the United States Postal Service website, average time for First Class and Standard delivery is 1-3 days. I have spoken to a PennyMac representative several times - onc e in XX/XX/XXXX and several times in XX/XX/XXXX, disputing their reporting of my mortgage account. They refuse to take responsibility for the delay in posting my payment, and continue to place the blame on the United States Postal Service for the delay. I have never been reported as late on my payment, and have previously mailed my payment the last week of the month.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request that you block and delete any accounts that may have been compromised, pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). As part of my request, I ask that all accounts associated with the inquiry listed below be removed from my credit report, as they are the result of fraudulent activity stemming from this breach. 
Inquiry Details : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently received a copy of all my credit reports from XXXX, XXXX or XXXX, andI also noticed that there are additional credit inquires for a company I do have accounts with Navy Federal FU I have 4 open accounts dated : XXXX, XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. As for these dates no accounts are open, all open accounts with company dates have inquires listed which are the four I only have knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to Experian requesting their help to investigate and verify the accounts ' information and have it corrected to appear accurately on my Credit File. Experian must be required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the entire account ASAP : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a vicitim of identify theft froud when I went to XXXX and XXXX i discovered that my ex boyfriend at XXXX that what i believe used my personal information to obatin credit apartments and XXXX in my name without my knowledge i am watching my credit daily and this item poped up in which it does not belong to me and i would like it removed deleted and updated XXXX XXXX XXXX also know as XXXX XXXX XXXX for {$650.00} opened XX/XX/XXXX I have contacted my local police and made a report also the FTC this man has been trying to mess up my life since i broke up with him but I have no real proof my information has also been in serveral data breaches XXXXXXXX XXXX XXXX amount {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing every 30 days to Transunion and XXXX about a Bankruptcy that is showing on my credit and i have wrote XXXX  and it was removed but stills appears or other too I have wrote UNITED STATES BANKRUPTCY COURT in XXXX fl and they did send confirmation that they do not verify and the credit bureaus keep saying they have verify with the bankruptcy department this bankruptcy is not my account I will include letter from bankruptcy department and XXXX  report showing bankruptcy been removed
Product: Checking or savings account

I am writing to file a complaint against NAVY FEDERAL CREDIT UNION regarding multiple overdraft fees I have incurred. Despite to having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I C Systems never sent a dispute letter. I check my my daily and I am a very organized consumer. I also check my XXXX account at least once a week. I hve never done business with IC Systems, nor have they followed the law and sent a dispute 30 day notice.. They just appeared on my credit report with out following the FCRA. They have an open date of XX/XX/2016. Have them explain what this date means? I have never done business with this company so I have no idea what happened on XX/XX/2016.