23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following item from my credit report as the item is fraudulent and a result of identity theft. The item listed below was not initiated by me at any given point and is NOT MINE so please delete the following item off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT that this item be removed off my credit report effective immediately as the item listed below is inaccurate and it is illegal to report inaccuracies to a consumer credit report. Please be sure to send me the results of this request. Thank you. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : XXXXXXXX XXXX Unauthorized hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed a claim with you yesterday but there have been updates. Money Lion ( which I have no affiliation with ) has withdrawn more funds from my savings before it could be shut down to the tune of {$9000.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at BANK XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report you maintain, which shows the aforementioned fraudulent items. I do not recognize the afore mentioned accounts, collections, charge off or hard inquiries as reported. The afore mentioned accounts, collections, charge off and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.
Product: Credit card

I owe a debt to a credit card company that I was unable to pay due to some financial set backs. The company contacted my sister and lied about being a lawyer and serving me with papers at my job if I did not return the phone call to them. I then called the company after my sister gave me the information from the rude collector, and was yelled and screamed at and told that they would be to my job to serve me when I called myself. I was never informed of what the debt was for or what the amount was, and was told that I had committed fraud and would be handled legally.
Product: Debt collection

I am filing a complaint against Experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( XXXX, XXXX, EXPERIAN ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSIMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. 

A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.

( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the mentioned account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in the months that I was late to be removed.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Payday loan, title loan, or personal loan

My wife had used my phone to contact a loan with my information and withdrew the amount from my account and left.. 
First loan started take the payments from my account and when the payments wasnt going through, they called me and I told them I dont know anything that my wife did that out of my sight
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I applied for a " re-approved '' XXXX XXXX, which was denied with little explanation. I got my credit reports from the three major agencies and the only credit problem was a three-year-old alleged debt to a company named XXXX Department Stores, which alleged I opened the account on XX/XX/19 and have had a balance of {$34.00} ever since. I have no record, nor memory of this. If this company ever sent a bill, I did not get it. I do not have nor have I had any XXXX XXXX card except my current one, which I have had 20 years with a near impecible payment history. I disputed this with TransUnion. Their " resolution '' was XXXX Department Store charged off the {$34.00}, and TransUnion report now shows the debt as " charged off. '' When I inquired about re-financing my house I was told my credit report would increase the interest rate from 2.8 to nearly four percent. I then applied for an XXXX Credit card to see what effect this had, I was again denied. The photos of the attached email lists the reasons. None of these reasons are true so far as I can tell but are too vague to know what they mean. I pay off all my credit cards in full every month, and my only other debt is for a home equity line of credit from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Synchrony Bank that I was having problems with XXXX and XXXX for double dipping into XXXX XXXX. I just got a check from XXXX to get me out of debt. I paid Synchrony Bank for the different credit cards that I have with them Synchrony Bank has chosen to kick me out of the different cards. 
I have a notice from them dated XX/XX/XXXX stating this and a few others. 
I also have XXXX, XXXX and other physical XXXX. The Sam 's Club with Synchrony Bank still has been calling up. 
Synchrony said that they would not call me up. So, I am somewhat saddened would use this type of a situation to do this. I can't help what my bank did, or the health insurances. 
Synchrony used XXXX  for their information. 

Thank you.
Product: Credit reporting or other personal consumer reports

This bankruptcy report has been reporting inaccurately and is ruining my life. The name, the courthouse, the file number, the date : these are all inaccurate and must therefore must be removed from my report. Please help me and get this item off my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX2022 XXXX  XXXX XXXX XXXX/2022
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had nine late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of 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. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX XXXX, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX XXXX  according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.
Product: Debt collection

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX XXXX, 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 XXXX XXXX XXXXXXXX Account NumberXXXX and 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: Money transfers

XXXX/XXXX/2015 I am received a call from XXXX XXXX XXXX XXXX XXXX from the " XXXX. '' the transfer of title of my name in the name of XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me the documents to transfer title. Legitimate or fake - I do not know. 
For a very urgent request by XXXX XXXX XXXX XXXX XXXX XXXX, I am, XXXX/XXXX/2015, using " Western Union '' at XXXX o'clock XXXX minutes. I sent {$900.00} ( XXXX XXXX dollars ), but has received no receipts. 
I asked XXXX XXXX XXXX XXXX XXXX send any - any ID or other official proof of his identity, he refused under various pretexts, he demanded {$900.00} ( XXXX XXXX dollars ) more to send him money for other transactions. No one I did not get released. Sensing the hype I demanded to finish the first case of the transfer of title. XXXX XXXX refused. and disconnect the phone from the network. On XXXX/XXXX/2015 I can not reach XXXX XXXX XXXX XXXX XXXX XXXX and continue the discussion. I 'm pretty sure that is - FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theirs an account that's reporting on my credit report by the name of XXXX and XXXX that do not belong to me it's a fraud account that need to be deleted they are report for a company name XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate
Product: Debt collection

On Tuesday, XXXX XXXX I called this debt collection company that goes by the name of XXXX XXXX XXXX to ask why I got letter saying they were going to sue me. They were demanding a debt more than what I owe and trying to get me to pay more than what I could afford to pay for. The full amount they wanted me to pay was {$1700.00} nothing I 've ever spent. Then they tried to get me to pay XXXX or XXXX. Then XXXX. This was all discussed over the phone number they provided on the letter they mailed to me. I think this was the first letter they 've ever sent me. I do n't remember them ever contacting me although on this letter they claim to have made several attempts.
Product: Bank account or service

The colossal stupidity and incompetence at the XXXX XXXX XXXX branch of TD Bank is unparalleled and has reach dizzying heights of monumental XXXX. They once again failed to wire transfer {$4600.00} to the correct party yesterday and on top of that, no one called to let me know even though they have my cellphone number on the account. In other words they let a whole day go today and when I could have fixed it they failed/refused to even let me know about it. This is the third time they have done this in 6 months, amongst other major training problems with their XXXX staff. In the past they have arbitrarily blocked my ATM card from making routine mundane charges for " fraud protection, '' refused to credit me when I purchased electronic goods that did not work and were defective, and opened up a Lawyer Escrow account as a regular checking account. The manager at this branch needs to be re-trained if not fired for incredibly stupidity and XXXX training of her staff, which appears to have a turnover rate of new employees every few weeks. Not only that but they allow accounts to go negative and bounce checks without notifying you so that they can clandestinely collect a fortune in fees. Please urgently assist.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter asking Experian, XXXX, and XXXX to investigate my accounts. I have the tracking available at request. It has been over 30 days. These consumer reporting agencies are in violation. In accordance with the fair credit reporting act, my rights have been violated. 

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. Also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, According to 15 U.S.C 1681i, Experience, XXXX, and XXXX have 30 days to investigate and send me the results. 

They also didn't record the current status of the disputed information which is another violation. 

I have attached evidence of the letters sent to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX, acct number beginning with XXXX, XXXX XXXX XXXX ( date opened XXXX. XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX date opened XXXX XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX XXXX XXXX ( date open XXXX XXXX ), acct number beginning with XXXX XXXX XXXX XXXX ( date XXXX XXXX XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date opened XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date XX/XX/XXXX ) XXXX XXXX  ( date XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.
Product: Mortgage

Hello all, My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX to Ally Bank on XX/XX/XXXX of this year. My mortgage is automatically paid via XXXX a 3rd party service that mails checks on behalf. My mortgage payment is scheduled to be paid several days before the XXXX of the month, as such XXXX received and deposited my XXXX payment on XX/XX/XXXX - see attached voided check for {$4300.00}. XXXX last issued a statement at the beginning of XXXX, no XXXX statement nor do any of the transfer documents mention this XXXX payment. Additionally the loan balance on the XXXX statement is the same as the first statement I got from Ally dated XX/XX/XXXX. This first statement from Ally shows no record of the XXXX payment. I talked to Ally a number of times through the month of XXXX as my mortgage was now past due. Regular payments were made for XXXX and XXXX, but due to the missing XXXX payment they were credited to the previous month. Eventually the 90 day transfer window expired and I had to make an additional emergency payment on XX/XX/XXXX to prevent late fees. On XX/XX/XXXX I spoke with XXXX and they opened a formal investigation. When speaking with Ally they don't care as the account is now current. Months have passed and I really hoped the money would show up in some form but it is obvious that is not the case.