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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I have been in contact with them since XXXX. I applied for consolidation of all XXXX loans and XXXX were forgiven before the third was consolidated. So now they are saying I have XXXX payments left but XXXX payments that qualify once my one time adjustment is calculated. Since then they had me recertify my income which did not have to be completed until XXXX of XXXX. Thus almost doubled my payment. That was supposed to be fixed months ago and I have been placed in forbearance twice ( so far ) and still no change in payment amount ( should be reverted to {$590.00} ), no one time adjustment and no response. They want me to begin repayment in three weeks. I contacted them in writing again on XX/XX/XXXX and no response.
Product: Credit card or prepaid card

I applied for a credit line increase on my Capital One card ending XXXX on XX/XX/XXXX. The application for the increase was reviewed and denied. In their reasoning for the denial they stated the denial was due to my credit score and note the score was derived from a credit report dated XX/XX/XXXX. I called to try and get an answer regarding why a decision on a credit application on XX/XX/XXXX was made using out dated information from XX/XX/XXXX and was just told thats the decision capital one decided to make my credit score has increased since XX/XX/XXXX so if accurate and updated information had been used the decision could have been different. I would like my request to be reconsidered based on updated information at the time of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I have been a JP Morgan Chase Bank customer for almost 10 years and have Private Client status. On XX/XX/XXXX, a Saturday, I was checking my online account information and discovered that Chase had closed all 4 of my credit cards. I accessed the notes/statements section of my account and there was nothing there to tell me why this had happened. I went to my local Chase branch and the manager tried to help me. She called someone in Chase and was told the organizational component that closed the account was closed until Monday. This left me with an entire weekend of being frustrated. After 4 hours of phone calls on Monday and being passed around to various Chase staffers nobody could tell me what happened. On Thursday, XX/XX/XXXX, I finally received 4 letters for each of the accounts closed. Each letter stated the accounts were closed because of " Number of Credit Card Accounts '' and " Account Not Used as Intended. The letter want on to say this decision was based on negative information in my XXXX  report. I called XXXX  and they said everything was fine. My credit score was XXXX. I know credit cards are a privilege and not a right, and Chase did not have to provide prior notice of closure. However, they lied about XXXX  info and never did tell me why all 4 credit cards were closed. The only specific statement they made was one credit card had too many authorized users. Chase could not cite a specific rule or regulation I violated. This was an arbitrary and capricious treatment of a long time customer who had always paid his credit card bills on time and had several repaid loans with Chase. I used to work for XXXX ... even XXXX gives advance notice of bad news to a taxpayer. The bank 's right to cancel credit cards without notice is a blatant abuse of authority in my case. I was never warned there was an issue with adding authorized users.
Product: Money transfer, virtual currency, or money service

I sold some of my annuity to a company called XXXX XXXX. We did several transaction over a years time, involving different amounts of my {$1100.00} a month payments. A year ago, I was offered to sell the remainder of what I understood was the rest of the monthly amount for {$33000.00}. 
Later I ask XXXX XXXX the balance left of my annuity which I bought for {$180000.00}. 
That 's when I was told that XXXX XXXX owned all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I dispute the Bankruptcy on my Equifax consumer credit report. And result from Equifax reinvestigation concluded that the Bankruptcy will remain on my consumer report for 7 years from date it was filed. Equifax didn't send me proof of their reinvestigation. Confirmation # XXXX. For anything to be reported on my consumer credit report, I must give my written instruction per 15 U.S. Code 1681b. and I didn't not give Equifax or XXXX XXXX my written instruction. Bankruptcy is public record BUT, I did not give Equifax or XXXX XXXX my written instruction. And U.S. Bankruptcy court doesn't not furnish any records to credit reporting agencies ( see the attached letter from the Bankruptcy court ) here are the violations : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am XXXX late. From my understanding of the law, this is impossible to be XXXX late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.
Product: Checking or savings account

Hello, On XX/XX/2021 upon checking my account I had a balance of over XXXX. I made a few purchases on XX/XX/2021. On XX/XX/2021 upon checking my account it was a negative balance of over XXXX. 

I contacted Citizens Bank on XX/XX/2021 and spoke to a banking representative. I explained my situation and the representative placed me on hold. After returning to the call she explained that there had been an banking error with the system on XX/XX/2021 that caused several transactions to disappear from the customers account. The representative assured me that Citizens was in the process of correcting this error and the accounts. I asked the representative how this would affect the over draft balance of over XXXX dollars on my account. I check my account on a daily basis and follow all transactions. The representative responded by saying that the accounts would be taken care of including the overdraft. Not confident with this response, especially due to the significant amount associated, I asked to speak to a manager. 

Upon speaking to a manager, she confirmed that the bank did occur technical errors on XX/XX/2021, however they would not be charging overdraft fee 's to the account. I asked the manager who would be responsible for the transactions suddenly disappearing causing for confusing in the balancing of the checking account. The manager stated that the bank would not be responsible for transactions made even though their system a problem occurred with their system that caused several transactions to disappear. I asked the manager to speak with someone above her and she stated that there was no one else that I could be transferred to. 

I do not feel that customers should be held responsible for banking errors. This situation has been very confusing and frustrating and without receiving any assistance from banking representatives at the institution that you trust with your funds it is very frustrating. I would appreciate any assistance in this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my consumer report. I did not give permissible permission to report without my consent and I never consented anything 15USC1681.
Product: Money transfer, virtual currency, or money service

I had used paypal for ages for all purchasing and selling online.

I had 2 items that had cases open cases because of the item being damaged.

I called paypal and they told me to have the customer open a case and agree to a refund and that paypal would cover me for the amount. I did. 2 weeks later they are going back on their story.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my FICO credit scores.

Enclosed with this letter is documentation from XXXX confirming that my information was compromised in the breach. I formally request the immediate removal of these fraudulent accounts and hard inquiries from my XXXX and XXXX credit reports. XXXX has already removed these items, and I expect similar action from XXXX and XXXX. To substantiate my claim, I am including an FTC Identity Theft Affidavit and other relevant identification documents. Under Section 605B of the FCRA, I am entitled to have all fraudulent information related to identity theft blocked from my credit reports. The fraudulent accounts include : As a result, I am formally requesting, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), that all fraudulent accounts and hard inquiries be immediately removed from my XXXX and XXXX credit reports. In addition, I am disputing the following fraudulent rental and real estate accounts also, which were created in my name without authorization : To substantiate my claim, I have included the following : An FTC Identity Theft Affidavit Copy of my government-issued ID Proof of address ( e.g., utility bill ) Fraudulent Accounts on My Credit Report Personal Credit Card Account Bank XXXX XXXX XXXX Opened : XX/XX/XXXX Account No. : XXXX Credit Card Bank : XXXX XXXX Opened : XX/XX/XXXX Account No. : XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXX Account No : XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXX Account No : XXXX Inquiry to be removed Bank Name : XXXX Inquiry Date : XX/XX/XXXX These fraudulent accounts and related inquiries have resulted in unauthorized collection actions, which violate my rights under the FCRA and FDCPA.
Product: Checking or savings account

Inadequate response to complaint : XXXX Company closed complaint against my wishes and did not provide adequate answers.
Product: Credit reporting or other personal consumer reports

Last month I requested my credit report and Experian advised to me that they could not provide it because they could not verify me and gave me a phone number to call. I called the phone number, but I could not speak to a representative at all and I couldnt get it resolved. Ive been trying for over a month to get this resolved. But every time I try to call the number that they provided to me the system that they have set up through their phone system will not let you speak to a representative. It only gives you recorded messages, no matter what you go through on their system. They will not let you speak to anyone in return. They are violating my rights to obtain a credit report.
Product: Credit reporting or other personal consumer reports

Ive suspected for a long time that someone are a group of people have been invading my privacy and stole my identity. I recently was going through questions asked by the service XXXX XXXX XXXX pertaing to my credit report to verify myself based on my personal information that I entered at XXXX XXXX XXXXcreate-account and the questions they asked about things on my credit report i did not regconize and had no idea of them being there. I was denied verification to create my account due to me not answering the questions correct that was reflected from my credit report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account is NOT mine
Product: Debt collection

Compliant is against IC Systems/XXXX # XXXX : XXXX sent me to collections at IC Systems for {$77.00} on XX/XX/XXXX. I haven't had XXXX since XXXX. After disconnecting the service XXXX they continued to auto withdraw roughly {$100.00} a month from our account for almost a year. I've reached out to XXXX over 10 times to get payment back from them ( over {$1000.00} ) with no eval. Now my credit report is showing that they have sent me to collections for {$77.00}. I was never contacted by them for this and do not feel that I owe them anything. I have contacted them to ask for them to retract this from IC systems. I haven't heard back from them to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

some inquiries were removed from my credit report and added back on and I was not notified at all within 5 days in which that is a violation of my FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ) you are required to notify me of the reinsertion in writing within 5 days and failed to do so. I did n't notice these inquiries were added back on until I recently pulled my credit in which I contact trans union several times the first time I ca lled and spoke with  XXXX  and she informed me th at trans Union ha d a glitch but would not help me I also spoke with a different representative name  XXXX  I believe that 's what he said I really could not understand either representative but they refused to help me with my matter.
Product: Debt collection

I leased a car through GM XXXX XXXX  and I had trouble making payments due to illness so in XXXX of 2019 I was going to file a XXXX XXXX bankruptcy and turn the vehicle in the XXXX XXXX bankruptcy was dismissed and the vehicle was grounded GM never sent me a final bill and The total I seen on my credit report was over 19,000 dollars this vehicle was a lease and the total amount of the lease was only XXXX. How can they charge me three times the amount without sending me a final bill and they have their vehicle back. The amount of the vehicle was approximately 19,000 dollars but they have their vehicle in their possesion.
Product: Credit reporting or other personal consumer reports

In alignment with my rights under the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I request verification from a debt collection agency about a consumer debt I'am disputing. A certified letter was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . In   XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the maj or Credit re porting agencies resulting in our  credit score f alling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm  ent (    XXXX   XXXX   XXXX   )  and were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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!