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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's are erroneously reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ).

I have attached my DL for identification A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. 

Experian XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not sure is accurate. Some of the people reporting these on me, Are you familiar with a law called 15 U.S.C. Sec. 1681i ( a )? If you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent accurate. So, could you please check on these and get back with me? I know you have XXXX days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Items Need To Be Validated : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a XXXX party and delete if anything is incorrect Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed. 
I would also like the updated report after you investigate this Information on Consumer Report. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. A Citibank ( South Dakota ) N.A. charge off {$1300.00} FRS File number XXXX, online pin number XXXX regarding Best Buy Visa,  date of last payment : XX/XX/XXXX, charge of date : XX/XX/XXXX, date of first delinquency XX/XX/XXXX has surfaced. This account is fraudulent. There is no prior debt communication from XXXX XXXX XXXX , XXXX - XXXX   XXXX XXXX XXXX, MN, XXXX, XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA, XXXX Date - XX/XX/XXXX Reference # XXXX Creditor name : XXXX XXXX, XXXX Creditor account : XXXX Total due : {$440.00} These 2 charges have surfaced when there is no indication of any communication by the bank of there being a default. The impact on my credit has been extreme. In XXXX my score was XXXX and currently it is at XXXX which is impossible. 

The financial harassment and actions by banking subsidiaries has reached a point where they have made it impossible to get credit that is extremely detrimental to my business as a long time resident of DC.
Product: Debt collection

Got a letter from XXXX XXXX XXXX XXXX representing Troy Capital LLC they filed a judgement against me back in XX/XX/XXXX trying to collect old debt that Troy Capital LLC bought from the Original Creditor XXXX XXXX for Pennies to the dollar Troy Capital LLC is a XXXX XXXX XXXX XXXX Debt Buyer and hire crooked lawyers like XXXX XXXX XXXX XXXX to do their dirty work XXXX XXXX like Troy Capital LLC and Crooked lawyers like XXXX XXXX XXXX XXXX need to be held accountable for always breaking the FDCPA Laws they count on the ignorance of Consumers using scare tactics paying for debts no longer owed but written off by Original Creditors it's a shady deceptive business that needs to be looked into and put a stop to it the money they collect don't go toward the debt or the Original Creditors but instead into their own pockets that's how they make their profits I tried to pay the minimum owed in good faith to XXXX XXXX XXXX XXXX but I read alot of bad negative reviews from other consumers sure people gets into messes they shouldn't get into but the people at Troy Capital LLC and XXXX XXXX XXXX XXXX sure as heck ain't perfect and definitely saints themselves for judging consumer remember only God can Judge oh by the way XXXX XXXX XXXX XXXX had the time barred extended to XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am disputing the references your company has made on my credit report due to their lack of completeness and/or accuracy. I recently contested this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not conduct thorough investigations. Therefore, I am now disputing the following information directly with you, the furnisher of the information, and request that you conduct an investigation as outlined in FCRA Section 623. 
FAMILY XXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Debt collection

I originally had debt with XXXX XXXX XXXX. A third party company called Portfolio Recovery , LLC bought my debt from the company. I have previously asked the company to stop calling, but that was unsuccessful. They call me everyday, numerous times a day, from a wide variety of phone numbers with different area codes. I have an estimate of 30 different numbers that they call from blocked on my phone and they just call from a different on an average of 5 times ( minimum ) everyday. I purchased this furniture in XX/XX/2009 and am still being harassed by the debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX  ( XXXX ) list on my credit report has been cancelled. The bank issued a XXXX form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e 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. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Left negative remarks on my credit reporting. On the remark they left " Payment after charge off/ collection settled- less than full balance. 

I need XXXX to delete the negative remark on my credit reporting it is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, I sent the following message to XXXX : My account number is XXXX. I requested wire transfers on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, I was charged {XXXX}, but the wire did not go through the same day : Why was I charged all that money, if the transfers did not happen as fast as they were supposed to? I demand a refund. XXXX XXXX XXXX Afterwards, by email and phone, I was contacted by and communicated with XXXX XXXX and XXXX XXXX from Client Care Executive Response Team, to no avail. The last one claimed, for example, that one of the transactions took place after XXXX XXXX, when the bank was really closed and I could not have been there.
Product: Debt collection

SYNCB/CARECR XXXX XX/XX/2019 {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion Multiple requests for Debt Validation letters and have submitted multiple online disputes. I am requesting per my legal rights the following information identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt This is in regards to the Account Numbered XXXX they are reporting on my credit report in the amount of {$3500.00} They have violated my rights each time i have requested this information by simply not complying with my legal request
Product: Debt collection

Rent relief paid the outstanding balance of XXXX on XXXX XXXX and the employee at XXXX XXXX XXXX apartments never submitted the payment, and it has been collecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've previously disputed several accounts on my credit report that I believe there were not thoroughly investigated through Experian.
Product: Debt collection

This writer has made multiple attempts to try to make a settlement to pay a debt. The collector has used abusive language and has refused to send me a letter in the mail with our agreements saying she will not spend any money on me. Ive even offered to send a stamp in the mail so that I can safely send the money order after getting the agreement in writing, but she continues to decline, only offering me to pay over the phone with an extra processing fee and requiring me to provide my credit card information. Ive gotten yelled at and hung up on. This is impacting my credit negatively despite my attempts on trying to be responsible.
Product: Credit reporting or other personal consumer reports

i have a bankruptcy on my credit report that keeps showing up as verified when its not. i never filed bankruptcy and nobody will give me documentation of proof. my social doesn't match, address and phone number doesnt match. my phone number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

They make a payment due on the XX/XX/XXXX of the month and then if you make a payment after the 16th they may or may not apply it to the next month. I made a payment to them on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX. payment., Then I made a payment on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX payment. Then on XX/XX/XXXX I made a payment of XXXX dollars for my XX/XX/XXXX payment. Now they are saying that I have to pay them another XXXX by XX/XX/XXXX or they will charge me {$37.00} late fee. They will not wave this. They said that they charge us on the XX/XX/XXXX, but they do not close out the month until the XX/XX/XXXX so any payment made before that date gets applied to the same month even though I had already had a bill for that month. I should be able to make a payment for the next month as soon as the due date for that month has passed. This is a ridiculous business practice one it seems like they do just to generate late fees. I have to pay my bill when I have the money. I am thinking about starting a lawsuit against them for unfair business practices. We get paid on XX/XX/XXXX and I want to make my XX/XX/XXXX but low and behold it wo n't be applied to XX/XX/XXXX!  Ridiculous!
Product: Credit card or prepaid card

I filed a complaint with The CFPB after unsuccessfully trying to get Discover to honor their promise not to hold customers responsible for unauthorized charges. I had {$12000.00} in unauthorized charges that discover refused to protect me as they promise. Our took me about 18 months of back amd forth struggles with them. When I finallly went to the CFPB I won XXXX discover finally refunded my money. They were so angry that they lost that in retaliation they said they were closing both of my discovery credit cards. They claim that it was a business decision but that could not be the case because I was am excellent customer for almost 40 years. Discover was my first card when I was XXXX. I always paid on time and spent over {$100000.00} in the prior year. Closing the accounts of a customer like me was a very very bad business decision. I was told that it was XXXX himself, the CEO, who decided to be so spiteful and retaliate against me for exercising my rights and filing a complaint with CFPB. 

The problem for me is that this account is the account that Ive had the longest and it supports my credit score significantly. If the account is closed, my credit score will drop almost 100 points. I have been paying the final balance on my card the minimum amount for the past eight months or so to keep the account from being closed because of that Ive been paying a lot of interest. Eight months or so to keep the account from being closed because of that Ive been paying a lot of interest I believe it is unethical, immoral, and unfair, that I am being persecuted and penalized for exercising my rights and I request that my accounts be reinstated, because closing it for no good reason, except for spite, has a defamatory affect on my credit score.

I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty he closes the account of it, XXXX of his best customers simply for spite. 

I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty that he closed the accounts of it, one of his best customers who had been a loyal member for almost 40 years simply for spite. 

I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you
Product: Mortgage

The mortgage has been in trial for debt collection, the house is not insure. 
Due to the problems problems of the developer and damage of construction, the problems with segregation, problems with septic tank, problems with inscription of the development and houses, the houses have no insurance. 

My ex-husband and I, the court and the bank went to mitigation and we qualify for a refinance or modification of the loan, but the investor from the bank said that the house DO NOT qualify for any modification. 

The bank remove the loan from the credit report due to the situation. 4 years later is back again. 
The house can not be used because of construction situation and fungus. The house ca not be sale because of legal situation and banks do not want to give loans to this development. 

This situation had damage my credit report.