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

Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed XXXX  via XXXX XXXX, disputed Experian and XXXX  via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on XXXX  and Experian XXXX Collection still on XXXX  and Experian XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with Experian- XXXX XXXX  XXXX Collection reinstated with XXXX  - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft through a data breach with Equifax! 
Data breach XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I added my sister as an authorized user to my Chase credit card back in XX/XX/XXXX and they are not reporting to her credit report.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX XXXX XXXX Credit Bureau XXXX, Account Number : XXXX SSN : XXXX This has been the most unfair inconvenience that I have EVER experienced regarding errors on my credit report. There is no way of resolving this account. I have disputed it MANY times to NO avail. It continues to come back as verified although every time I call XXXX ( XXXX ) XXXX, XXXX Bank ( XXXX ) XXXX, and Capital XXXX ( XXXX ) XXXX, NOBODY CAN LOCATE THIS ACCOUNT. How does it come back as verified when XXXX can access the account?? I have sent certified letters to XXXX regarding this HUGE inconvenience and received a response that they can't help me. XXXX is the only bureau that has provided me with some relief and removed the account because they said it's unfair and against the law to leave it on my credit report. XXXX ended its partnership with XXXX XXXX  ( the card issuer ) and partnered with XXXX XXXX. It has now ended that partnership and partnered with someone else. Meanwhile, I am in limbo unable to speak to anyone that can help me to get this removed from my credit reports. This is a huge inconvenience and against the law. Regular people shouldn't be left to deal with the fallout from XXXX mergers. I spend hours EVERY SINGLE DAY regarding this, and nobody has any information on this account. I have included news articles that show XXXX 's ending of distributors of its store credit card and I'm certain that I'm not the only person that this has happened to. Please remove this account from my Equifax and XXXX
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Since completion of my Chapter XXXX Bankruptcy ( ended XX/XX/2022 ), XXXX / XXXX XXXX has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached screenshots of Equifax credit report 's " Mortgage Accounts '' Screen. XXXX XXXX has removed mortgage account which is current. A copy of the current mortgage statement is attached.
Product: Credit reporting or other personal consumer reports

TransUnion Reports Data Breach Severity Jumped 31 % in... 


TransUnion XXXX XXXX XXXX XXXX 

The severity of data breach risks rose to the highest level in two years during the first  quarter of 2024, increasing 31 % from the same period last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX Texas, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Privacy Act of 1974 ( 5 U.S. Code 552a ) The Fair Credit Reporting Act 15 USC 1681 section 602 a states " Theres a need to insure consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I want to make sure my privacy is not given out or shared with anyone according to 15 USC 6801 that says It is the policy of the Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written\un written verbal and non-verbal per 15 USC 6802. this IS EFFECTIVE Immediately AND Indefinitely. 
XXXX, XXXX and Transunion are not maintaining reasonable procedures.
Product: Credit card

Dear Citi Customer Service, I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the application of the Louisiana Service Members Civil Relief Act ( SCRA ) benefits to my Best Buy Credit Card account ending in XXXX. I have not yet received a response, and I would like to request confirmation that my account has been reviewed and the appropriate benefits applied.
Product: Credit card or prepaid card

I XXXX XXXX on XXXX XXXX I accidentally transferred {$400.00} from my savings account with Bank of America ending in XXXX to my credit card ending in XXXX confirmation # XXXX. The money was suppose to be transferred to my checking account ending in XXXX. All accounts are held with Bank of America. I immediately called Bank of America credit card customer service they stated since there is a {$0.00} dollar balance on the card ending in XXXX once the transaction posts they can credit the money back into my checking account ending in XXXX. I have made several calls and up until today XX/XX/20 the money still has not been refunded into my checking account. I have spoken to several customer services representatives and supervisors who all advised me this issue will take no more then 5 days to have the money refunded into my account. Today it has been more then 17 calendar days. Supervisors XXXX and XXXX employee ID # XXXX had informed me my money would be in my account no later then XX/XX/20. I also spoke with a supervisor named XXXX who informed me she does not understand the hold up and will have the money in my account within 24 hours. I called again yesterday and spoke with XXXX on XX/XX/20 around XXXX XXXX pacific time who refused to help me and provide me his employee ID number he hung up. I have been requesting for supervisors to please take over the call and or call me back on a daily basis and not one has returned my call. Today I spoke with an XXXX Employee ID # XXXX and requested again for a supervisor to speak with and again no help. I have cried and begged to please help refund me my money as I am behind on my bills and the money is rightfully mine and even had customer service representatives snicker and say you will eventually get your money in 14 days
Product: Money transfer, virtual currency, or money service

hello i ready make a complaint with you against robinhood XXXX market before. the reason why im going another complain is because they stilling my money they lock my account a year ago when i used to have 10,000 dollars or more on profit but today in day drope to 2,800 dollar because i wasent allowed to take my money out..i been sending email plus email asking about my money and they never have the right answer even i get call frome they customer service and all they do is telling me they have nothing else to do because my account its cloused... the reason they cloused my account was because some unemployment money went XXXX XXXX  my account out no where i have no idea why and who money was that but they reversed the money back and still lock my account ... so the other day the reopen my account just for me to take XXXX but my question is where is my XXXX that i have left over because they sold all my share i will send you all proove of what im talking about ....
Product: Credit card or prepaid card

Truist Bank offers a Visa travel credit card that is promoted to offer a statement credit on the purchase of global entry. We called the credit card number provided after a few months of not seeing the credit. We were told although they weren't familiar with this, that generally it takes three billing cycles. So,, we waiting a few more months then went into our local branch. The representative pulled up the disclosure and could see it was offered, and that we had not received it. She then called the CC department and got an even bigger run around! Not only was the gentleman unfamiliar with the offer but he was not interested in helping us, and claimed he couldn't even see our purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019 a settlement was made to XXXX  XXXX for a balance on a card I had them with them. This was never updated to my credit report it currently is showing that this account is past due for {$7800.00}. As you can imagine this greatly impacts my credit worthiness and I can not close on a loan I am currently in contract with.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment information reported on my credit report for my XXXX XXXX account number : XXXX. Despite multiple requests for correction through dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no resolution has been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 
FCRA Violations XXXX XXXX XXXX XXXX : Credit reporting agencies are required to ensure the maximum possible accuracy of information in consumer files. The persistence of incorrect late payments for XX/XX/XXXX and XX/XX/XXXX on Experian and XXXX demonstrates non-compliance with this mandate. 
15 U.S. Code 1681e ( b ) : This provision obligates credit bureaus to adopt reasonable procedures to maintain the accuracy of credit file information. The inaccuracies on my report suggest a failure to uphold this standard.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The late payment notations are inconsistent with my payment records, suggesting non-compliance with this requirement.

The Truth in Lending Act also emphasizes the necessity of accurate and timely disclosures, which have not been upheld in my case, causing harm to my creditworthiness and financial standing.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties on consumers. The inaccurate late payment reports for XX/XX/XXXX and XX/XX/XXXX violate this act, as these late payments were incorrectly recorded and not reflective of my payment history. 
Evidence of Error Account Details : Account Number : XXXX Account Type : Installment Auto Loan Monthly Payment : {$260.00} Balance : {$6300.00} Open Date : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) Payment Status : Current Last Reported : XX/XX/XXXX Two-Year Payment History : XXXX : XXXX XXXX payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Experian : XXXX late payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Desired XXXX XXXX removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit reports with XXXX and Experian. 
Written confirmation of the correction. 
Failure to resolve this matter will leave me no choice but to escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action under the provisions of FCRA, XXXX, and XXXX. 
Please address this issue promptly and confirm the resolution in writing. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I have approximately XXXX of student loan debt ( principal ). I've been on the SAVE plan literally since the first day it was released to the public, meaning no interest whatsoever should be accruing. However, at some point between when I got on the SAVE plan and now, MOHELA charged me approximately XXXX in unpaid interest which is clearly a mistake. I tried sending them a message but did not get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XX/XX/2019 - XXXX - XXXX  XXXX XXXX XXXX - XXXX  -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- -> : {$260.00} XXXX XXXX XXXX XXXX XXXX -- -> XXXX {$200.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00} XXXX XXXX XXXX  XXXX -- XXXX : {$450.00} AXXXX XXXXXXXX -- -> : {$82.00} XXXX XXXX XXXX XXXXXXXX -- -> : {$0.00}
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I was alerted by XXXX XXXX XXXX that I had a new TDBank/Target credit card dated XX/XX/23. I did not request such a card. When I talked to TDBank/Target, they had the correct social security number and birthdate but old drivers license and phone number data ( XXXX XXXX XXXX ). I contact the bank and XXXX and notified by local police.
Product: Mortgage

PNC mortgage has refused to respond to payoff requests. They have been faxed 5 requests between XX/XX/2019 and XX/XX/2019. Each has included a written authorization from the account holder and all requested information. PNC has acknowledged receipt of the requests, yet continues to delay and fail to send a payoff letter for either account.
Product: Credit card or prepaid card

We are required by XXXX to use B of A for our credit card processing, the fees being charged to each hotel is mandated by XXXX and for that reason we see unfair increases, and pay higher fees to B of A at our XXXX property, we use B of A for other hotels and the fees are not as high. 

XXXX kickbacks from B of A are driving our processing fees up over 5 % per {$1.00}... when industry average is 3 % or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX COLLECTION XXXX XXXX XXXX  ( Original Creditor:XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX XXXX  ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

According to a XXXX XXXX with Discover, funds in my accounts are on hold due to possible fraud activity as of XX/XX/XXXX. It appears the fraud referenced is a check a relative deposited into my account via mobile app in XXXX or XXXX of XXXX, the amount of {$690.00}. The account was opened under my name because the relative, a cousin with same name, is unable to open deposit accounts due to credit issues. He used my account to deposit a check issued by XXXX XXXX, supposedly issued in his name but my have intercepted check from another party, thus the reason for suspicious fraud activity. I attempted to reach XXXX in re, was unable to reach via phone. The funds from check are no longer in account as far as I know. Please provide this information to Discover to assist in issuing remaining funds in accounts, if any.