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

Company is a debt collector that initially had no record of me, my name, my address or phone number, but had a collection on my report. I sent a letter requesting information, which is attached. Absolutely no response. I feel they are violating my XXXX rights by reporting inaccurate information which I did not authorize.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX Subject : Dispute of Accounts ( per 1681o for Civil Liabilities of Negligent Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report : XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX - {$710.00} XXXX XXXX - {$1300.00} XXXXXXXX XXXX XXXXXXXX - {$1000.00} In accordance with the Fair Credit Reporting Act ( FCRA ), section 1681o, these accounts are inaccurately reported and must be removed immediately due to negligence. While I am aware of current lawsuits against credit bureaus for similar issues, my goal is simply to ensure accurate reporting and resolve this matter promptly. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

After several years of not monitoring my credit reports, I finally requested a copy of my Experian and XXXX XXXX credit reports in XX/XX/2019 and saw there was a collection account present from the Credit Protection AgencyXXXX XXXX. The company reported that I owed {$570.00}. I have never received any notification or communication from Credit Protection AgencyXXXX XXXX creditor that {$570.00} amount was owed or that it was turned over to a collection agency. 

On XX/XX/2019, I wrote the Credit Protection Agency, with a request for them to validate the debt and sent it via certified mail. I did not receive any return communication from the Credit Protection AgencyXXXX XXXX. While I did not receive any communication from the Credit Protection Agency after writing the validate debt letter, I did see a change in the amount owed on my XXXX and XXXX XXXX XXXX reports. The new amount changed to {$250.00} from the previous amount owed {$570.00}. I also wrote letters to both XXXX and XXXX XXXX requesting this collection to be removed from my XXXX and XXXX XXXX credit reports. My USPS tracking number XXXX indicates that the validate debt letter was delivered on XX/XX/2019 at XXXX am Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX I would like the Credit Protection AgencyXXXX XXXX collection account to be removed from both my XXXX and XXXX XXXX reports. I would appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have worked with XXXX XXXX, Experian, and XXXX regarding information that is outdated, incorrect balances, and a mortgage that was paid in full. This includes slimly companies who do " rental checks '' and claim they have the correct information, when in fact, it is inaccurate and there was a freeze on the account to obtain the information without consent. 

XXXX provided a letter to me indicating the information was inaccurate and that XXXX XXXX, Experian, and XXXX never called them about an investigation or that the right information would have been given. 

When paying off my mortgage ahead of time, all three credit bureaus have REMOVED the paid-off mortgage from their reports - a vital piece of information that they utilize in their so-called " credit '' algorithms. 

When paying off a car loan in advance due to an inheritance- they still have retained the wrong information about the loan and when submitting paperwork with the pay-off- they ignored the correct information. 

These " valid companies '' need to be brought before the proper XXXX and House Committees in public to explain their faulty management, irregular algorithms, and why they remove vital information such as paid-off mortgages and car loans. 

Too much power over individuals ' credit has been given to these XXXX credit bureaus and now outside companies, such as rental application companies, who have no experience in credit determination, nor do they give a valid reason for denial or request correct information and use that for corrections. 

They NEVER believe the consumer who has documentation, the " investigators '' ignore true FACTS to engage in Anti-Trust schemes controlling the loan and banking markets with inaccurate and false information.
Product: Credit reporting or other personal consumer reports

You, Experian is in violation 1- My previous dispute did not ask you for accuracy or validation. 2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON MY CONSUMER REPORT
Product: Credit card or prepaid card

Someone got a credit card in my name, used my social security & other personal information. They changed my passwords to where I can not log into my emails & access the credit card information that was used. It was a Chase Mastercard that was opened in my on XXXX, XX/XX/XXXX in the early morning using an email address that I had, and no longer can log into. I've submitted a report to my local authorities.
Product: Credit card

So, i have a chase XXXX XXXX .. the promotion is that if you refer a friend and gets approve they have to issue you XXXX towards your account of points ears of fidelity of the marriott XXXX I have dealt with them for weeks and promise me that in XXXX weeks will be loaded into the account still waiting, XXXX weeks had passed and no one is able to resolve this matter even supervisors stated there is nothing they can do?? Completely a fraud to the customers deciving them and promise them points when they are failing to comply with the promotions that being offered. Completely unacceptable.
Product: Mortgage

I am writing today in regards to my account with Fifth Third Bank Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, Which was during the declared disaster by FEMA and congress passing the CARES ACT to assist struggling consumers. Due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 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- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) 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 2015 OPM 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 



XXXX  XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. Some personal information is no longer valid and is outdated Account : XXXX, Amount {$4000.00}, Acct # XXXX Account : XXXX, Amount {$170.00}, Acct # XXXX Account : XXXX XXXXXXXX, Amount {$660.00}, Acct # XXXX Account : XXXX, Amount {$500.00}, Acct # XXXX Account : XXXX XXXX, Amount {$480.00}, Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX, Amount {$2100.00}, Acct # XXXX Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Amount {$790.00}, Acct # XXXX Account : XXXX XXXX, Amount {$470.00}, Acct # XXXX Inquiries : XXXX XXXX - XX/XX/year>, XXXX XXXX XXXX - XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted them 9 different times on in the last 5 months MUTIPLE times. 
Late fees are keep being applied to my account. The merchandise I ordered was never sent to me. I keep getting applied interest to the account. I got a police report on file and a detective trying to investigate. But American Express does not care about my problem and just wants my money. There is multiple cameras outside my residence that proves my statement of me not RECEIVING anything. But they call me a liar which is very unlawful and illegal. I dont have a say because XXXX XXXX XXXX? Im not a criminal or ever been one. 
I keep trying to reach out to the American Express customer service and they just put me on hold for long periods of time and transfer me to another employee where I have to keep repeating myself about the problem. I beg you please help me. This is illegal FRAUD. American Express is doing against me. Im a XXXX  XXXX  that is being cheated out of his rights. What do I need to do?? I have filed a dispute but they keep denying me and being very disrespectful to me. I have multiple LEGAL RECORDINGS OF THE EMPLOYEES SAYING THEY DISPUTE THE CHARGE BUT I KEEP GETTING CHARGED LATE FEES AND INTEREST FEES. How come this company doesnt help me??? Please Im desperate for help!!!!
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that GM Financial has unlawfully reported an unauthorized inquiry on my XXXX consumer report. I have not given permission for GM Financial to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with GM FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with GM FINANCIAL for review or collection. I wrote to GM Financial on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve these issues to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) ( 2 ) to establish permissible purpose and they have provided no such documentation. 

Details of Violation : Dates of Unauthorized Inquiry : XX/XX/XXXX Consumer Reporting Agency : XXXX ( XXXX violation ) By obtaining my consumer report on the aforementioned date without any permissible purpose, GM Financial is in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1681b ( f ) ( 2 ) ,15 U.S.C. 1681e ( a ). Therefore, GM Financial has committed 15 U.S.C. 1681q, which is tantamount to 18 U.S.C. 1028A. This statute invokes 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX : section XXXX of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 


Statutes Violated : 15 U.S.C. 1681b ( f ) ( 2 ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) 15 U.S.C. 1681q 18 U.S.C. 1028A
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, unauthorized accounts and inquiries have been added to my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Account : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Multiple calls and now a mailed invoice from Capio Partners LLC that claim I owe the XXXX XXXX XXXX a {$50.00} co-pay. I do not have a {$50.00} copay with the Clinic any copay I have is in the amount of {$35.00}. I called billing at the clinic and was told I owe nothing. I want Capio LLC to quit harassing me.
Product: Debt collection

Notified Diversified Consultants on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Diversified Consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https : //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on XXXX, Experian, and XXXX as a result of these hard inquires. When I called XXXX and XXXX, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.
Product: Bank account or service

I have been charged several insufficient fees for XXXX transactions. Initially when I made the charge with my debit/credit card the funds were available in my account on XXXX XXXX, 2016 in the amount of {$12.00} and the other charge {$11.00} on XXXX XXXX, 2016. In my account I had approximately {$850.00} available. So those transactions were completely covered. I also viewed my account on XXXX XXXX, 2016 my account was still in good standing all through the day until XXXX XXXX, 2016 at XXXX. Then my account went into negative over {$350.00} of fees. I called chase and reminded them that on my account I signed for transactions to be declined when funds are not available. He said a check was presented for {$1600.00} on XXXX XXXX and their policy is to pay the check first no matter what other transactions were presented before the check. I 'm asking for the return of the fees of {$68.00}. The check was deposited by error I had chase to cancel the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent to the CRA regarding XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXl to be disputed. You failed to mark account as disputed, this a a violation. Failure to keep and follow reasonable procedures to assure possible accuracy. You reckless willful action is causing damages as economic and emotional stress. 

Account XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX xxxxxxxxxx XXXX xxxxxxxxxxxx XXXX
Product: Bank account or service

Citi Bank is showing that I have an account open totaling more than {$3000.00} and I 'm an not on that account. I would like it removed from my XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as a copy of my credit report please see attached proof provided. 
Please ensure that these documents are taken into account during your investigation. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 

I appreciate your prompt attention to this matter. 

PLEASE SEE ATTACHED
Product: Credit reporting or other personal consumer reports

Theres an inquiry on my name that has nothing to do with me, I didnt request for any credit card ever by them! This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

The current standing of the Federal student loan at XXXX XXXX is listed as open with a balance of roughly {$12000.00} on my XXXX  credit report. The loan was transferred from XXXX XXXX to XXXX XXXX and was forgiven through the Federal student loan forgiveness program. The XXXX XXXX correctly indicates that the loan balance is {$0.00}. The XXXX XXXX account still shows the loans carrying a balance. 

I initiated disputes at XXXX with accompanying paperwork showing the loan balance at XXXX XXXX in XXXX and XXXX of XXXX. No action was taken to clarify the Dispute. I also contacted XXXX services on XX/XX/XXXX with the following : " From : XXXX Sent : Thu XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time ) To : XXXX Subject : Other XXXX XXXX My loans were transferred and closed at XXXX XXXX XXXX to Federal Student Aid for forgiveness, but on my XXXX and XXXX credit report the XXXX XXXX  loans are not marked as closed. The last update was XXXX of XXXX. 

Please report these loans as closed to All credit reporting agencies As soon as possible, to avoid future legal action. 

Best Regards, XXXX '' the response was as follows : " On Tue, XX/XX/XXXX at XXXXXXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting XXXX XXXX. We apologize for any inconvenience this may cause. The U.S. Department of Education has changed the process of credit reporting when your account is transferred between federal student loan servicers. We will no longer close the current tradeline for your federal student loans, instead, the credit reporting file is now transferred to your new federal student loan servicer. Your account was transferred to the Public Service Loan Forgiveness processor on XX/XX/XXXX, and they would have received your credit reporting file within 90 days of your transfer. Please contact XXXX directly for further assistance. 

Thank you, XXXX XXXX XXXX We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 
https : //Edfinancial.com/emailsurvey '' I responded on XX/XX/XXXX : " From : XXXX Date : Tue, XX/XX/XXXX at XXXX XXXX Subject : Re : XXXX To : XXXX Hello XXXX, The loans were transferred, but there is no indication on my credit report that they were transferred from you to the other vendor. So it looks like the loans are still open at XXXX XXXX. There has to be another step to document the transfer of the loans and subsequent XXXX balance owed to XXXX XXXX. Otherwise it looks like I still owe XXXX XXXX $ XXXX even though the loan is closed and forgiven at XXXX. This needs to be escalated to management for review. 

Thanks XXXX '' No response has been received from XXXX at this time, additionally the disputes at XXXX were not successful, thus the loans still show the {$12000.00} is owed to XXXX when there is a {$0.00} balance.
Product: Credit card or prepaid card

Case # XXXX I received a response from the company stating that my payment was returned to my bank and the dispute was closed. They did not provide any documentation to show this and my bank has no record of the return. I had my bank on the phone to call them and received no answers other than they were going to reopen the dispute and would let me know. We are now over 2 1/2 months waiting for XXXX XXXX to locate my large payment and it seems we are back to square one. This companys practices need to be examined because they seem very confused and disorganized. They dont appear to be a company who should be handling peoples money.