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

To Whom It May Concern, This letter is to inform you that you have unlawfully reported a debt on my credit report. Under the new Regulation F rule that began on XX/XX/year>, your company, { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  }, has violated the Fair Debt Collection Practices Act ( FDCPA ) 1006.30 ( a ) by placing this debt on my report without my permission. 
Please immediately stop reporting this debt. If you do not comply, I will take legal action. I have not given you written consent to place anything on my credit report ( 15 USC 1681b ( 2 ) ), and you have no lawful reason to share my personal information with third parties. Your actions may amount to aggravated identity theft, which can lead to criminal penalties ( 18 U.S.C. 1028A ).

Cease all communication about this debt as required by law ( 15 USC 1692c ( c ) ), and promptly delete it from all consumer reporting agencies. Reporting inaccurate, incomplete, or misleading information harms my reputation and ability to get credit. 
Your inaccurate reporting has negatively affected my livelihood. Under 15 U.S.C. 1681s2, as a furnisher of information, you are legally required to ensure that the information you provide to credit agencies is accurate. Reporting information you know to be wrong is prohibited.

In conclusion, you are on notice that this information is inaccurate. You must delete this account from my credit report within 10 days or face legal action under 15 USC 1681n, 15 USC 1681o, and 15 USC 1692k. I am requesting a free copy of my report showing the deletion of this account. Failure to respond satisfactorily will result in legal actions, and I will seek damages of {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. FDCPA violations under 15 USC 1692g 4. FCRA violations for willful noncompliance Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. Below are the details of the fraudulent inquiries : XXXX XXXX XX/XX/XXXX2024 ( REMOVE IMMEDIATELY ) XX/XX/XXXX XXXX XX/XX/XXXX2024 ( REMOVE IMMEDIATELY ) These items have resulted in several Fraudulent Hard Inquiries appearing on My Consumer Credit Report, and negatively affecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the inquiries in question as well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Transunion Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This ongoing complaint targeting all thre e Credit Reporting Agencies is my final attempt to force them to cease their bad Faith Actions prior to my securing Counsel and seeking to file a civil suit and seek permission for a Class Action Suit, as there are many others with the same issues. It is my understanding that the underlying motivation of all three is self enriching and for the enriching of their " member companies '' I have made multiple complaints for years that they have all consistently participated in a pattern and practice of ignoring disputes, failing to properly investigate and correct dispute and inaccurate Information and intentionally provide false Information so that their " memb er companies '' can charge higher interest rates due to the credit scores and Information provided by their reports. 

My complaints have not been addressed or corrected at all as of the writing of this complaint. 

I have made multiple complaints to the CFPB recently. They have all been ignored. 

I demand the following : 1. ). To be sent accurate, corrected and updated paper reports from all three agencies, as well as electronic access immediately. 

2. ). To have my personal Information ( Address history specifically ) restricted from the reports they share due to significant personal safety issues related to my Actions keeping a Congressman safe, pursuant to a Commonwealth of VA Court Order, which they all have.

3. ). To have all agencies comply with the policies of dropping negative items after set time periods have passed and to actually investigate complaints submitted by consumer instead of merely stating that their " member companies '' denied them and recuse to correct the complaints.

4. ). To Add significant creditor Payment histories from companies that do not pay them to report, ( as the companies demand ePayment in order to List credit histories from creditors. I have provided certified, notarized payment histories of greater than $ XXXX that they all refuse to include in my reports, to make my history look less significant, again to enrich themselves and their " member companies '' Further, I am furious with XXXX, who literally told me that they will not perform their manadated actions because they felt I was, " Attempting to hide from or avoid Financial responsibility '' Theese Actions are reprehensible, especially in a time when the Government Administration is taking actions to attempt to defend it's citizens from such abuses. 

I risked my life for my country. I am XXXX XXXX due to service to the public. I demand better treatment than the intentionally punitive, bad Faith actions of Experian ; XXXX and especially XXXX XXXX in retaliation for my merely demanding the proper treatment they are in place to provide.
Product: Checking or savings account

No direct deposit and no explanation/updates. Ridiculous.
Product: Credit reporting or other personal consumer reports

Since taking out my mortgage in XXXX, I have made 100 % of payments on time using a monthly recurring automatic payment. In XX/XX/XXXX, my required monthly payment increased due to tax increases in my city. Despite this, the autopayment did not update and took the previous months amount, which ended up being XXXX dollars short of the required payment. One month later Associated Bank called me on the phone to tell me my payment was XXXX dollars short. I immediately paid XXXX dollars by phone and immediately increased the monthly autopayment manually. This clerical error is now being listed on my account as a missed mortgage payment and has dropped my credit score from XXXX to XXXX. This is not a missed mortgage payment it is a clerical error on the part of the bank.
Product: Money transfer, virtual currency, or money service

Everything about me and my late husband identity has been stolen I am afraid of what is going on with my friend I think hes doing something to me and I am looking for help I cant provide my identity and I think there's something wrong about this whole incident my name is XXXX XXXX PLEASE BE Aware that someone is using my identity as well as my email address
Product: Checking or savings account

unauthorized transactions, charging me overdrafts fee and i never had my card it was lost
Product: Credit card

I was scammed online by a company named XXXX. I contacted that company about being sent the wrong items and they ignored my multiple emails. I then opened a dispute as I was not getting help from the company XXXX. I opened a dispute with Capital One and gave them all the emails and description of what was supposed to be received. I provided screenshots and filled out all the forms and provided whatnots policy. They then told me they could not assist me and the company refuses to help me because if you open a dispute against them they will not offer a return or refund. I made the purchases on XX/XX/XXXX for {$3200.00}. I contacted XXXX on XX/XX/XXXX and never received a response so I then opened a dispute with capital one on XX/XX/XXXX.
Product: Credit card

XX/XX/year> {$94.00}. Disp # XXXX XX/XX/year> {$73.00} Disp # XXXX Both dispute were under same XXXX ( vendor ) order they split it into 2 shipments. The items were sent to the wrong address in a different state. I chatted with an XXXX agent on the same day the order was placed XXXX told them to cancel the order since it was being sent to the wrong address. They used my old billing address instead of the new shipping address. I was told they would talk to their shipping dept to cancel. The next day, I saw 1 of the 2 packages was being sent to the wrong address. I again chatted was to call the shipping company. 
I chatted with the shipping agent was told it wasnt in the system to call 24-48 hrs later. Less than 24hrs I chat with another shipping agent that says he cant cancel the shipment Went back to XXXX XXXX they again gave me the runaround. Try disputing with Citibank XXXX they denied me the chargeback although I sent them proof of my conversations attempting to cancel the shipments. I even highlighted it for them. I sent XXXX a form through a link their agent sent me letting them know I never got the shipment. Less than 3 minutes of me sending the email they denied me the claim. I tried on at least 3 different days to get this resolved XXXX basically XXXX XXXX the shipping company refused to cancel the order or at the least changed the delivery to the correct address. 
Thank you for any help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( ACCOUNT NUMBER ) : XXXX I am writing to follow up on my previous letter dated XX/XX/23 regarding inaccurate items on my credit report. Despite my request for the removal of this information, I was disappointed to discover that the disputed information still exists on my credit report. 

I am now requesting a formal description of the procedure that was adopted by your agency to verify this claim. Under the Fair Credit Reporting Act, I have the right to be informed about this process, including the names of the businesses, their addresses, and phone numbers of all the entities/people who were contacted during the verification process. 

1. What methods were used to verify the accuracy of the information? 
2. Were any documents provided by the creditor to support the accuracy of information? 
3. Were any other sources of information consulted during the verification process? 

It is my understanding that credit bureaus are required by law to maintain accurate information and to respond to consumer requests for information verification in a timely manner. I am disappointed that this has not been the case in my situation. 

I am requesting that you comply with the law and provide me with all the information I am seeking within 15 business days of receiving this letter. I am resubmitting my request in hopes of expediting the verification process and bringing this matter to a close. 

Thank you for your attention to this matter.
Product: Debt collection

XX/XX/2020 I challenged some accounts that were showing on my credit report. Upon doing so Portfolio Recovery associates, LLC replied to me with a " Verified '' Letter showing a statement. I requested validation and verification via a reply and they went and sent me the same letter and information again which will be attached to the complain. I have not had any success getting accurate information. They also keep calling which I stop answering. Its getting annoying at this point. I'd like to see if you can help.
Product: Credit reporting or other personal consumer reports

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for XXXX ACCOUNT tradeline as reported by XXXX and EXPERIAN. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent. 
Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage XXXX XX/XX/XXXX. 
XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In according with the fair credit reporting act, the above accounts stated above has violated my rights according to 15 USC section 1681. Which state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Product: Vehicle loan or lease

I purchased this used vehicle around XX/XX/XXXX. I asked if there were any recalls or problems with the history of this vehicle and was given a report saying there were no issues. In XX/XX/XXXX I was notified by XXXX that my vehicle was included in the XXXX Airbag Recall and needed to have both airbags repaired. I took the vehicle in and they supposedly repaired the driver side only. The parts for the passenger side were not available and was told I had to wait.  I contacted XXXX   asking about the status of the repair and was told the parts were still not ready and I just had to wait. I just received another notice from XXXX in XX/XX/XXXX saying the parts were still not available, would not be ready until XX/XX/XXXX, and not to allow anyone to sit in the passenger seat until they were repaired. I have been in contact with the local XXXX dealer, XXXX XXXX XXXX, and the lender wells fargo all during the week of XX/XX/XXXX, last communication was with wells fargo today, XX/XX/XXXX. All of them are refusing to help in any way with the situation. Wells Fargo previously denied a request for refinance! The airbags are dangerous and can cause serious injury and death and are not getting fixed nor will they. According to my research they do not have a permanent fix and will not know if they will ever have one resulting in the airbags not getting repaired properly and will still pose a threat of injury and death. The recalls will continue. I still have XXXX left on the loan and have been paying for a car that could kill me or my family. I cant even trade in this vehicle now because since it's on the recall list dealers cant sell it until they airbags are fixed. So both XXXX and wells fargo want me to keep and pay for a vehicle that now has lost even more value due to the recall and could ultimately kill someone! Attached is the letter from XXXX clearly stating the airbags can cause serious injury and death and notes taken from a class action lawsuit from an attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB  XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I ordered two items from New York and Company with my New York and Company rewards credit card. The items ordered were a pair of shoes and a dress. This credit card that I used with New York and Company through XXXX Bank is a credit card that I had paid off in the year XXXX and the credit card had a XXXX balance before the purchase. New York and Company promised me that I would receive the purchased items by the! date of XXXX XXXX XXXX but New York and Company did not send me the items until XX/XX/XXXX. Due to New York and Company sending me the items late, I returned the items back to the company due to needing the items before XXXX XXXX XXXX When I emailed New York and Company requesting a return label to ship the items back, the company gave me such a hassle regarding sending me a return label and lied to me saying they emailed me one but never did. I then had to go to the New York and Companys website and search for and request a return label. I shipped the items back to New York and Company but the company never credited my account back for the returned items and continued to charge my account late fees for the balance that was charged to my account for the items that were returned. I filed a dispute with New York and Company and XXXXXXXX XXXX regarding this issue but the company is telling me that the dispute can take up to 90 days. In the meantime, the company keeps charging me late fees on my credit card statement for the returned items and has been falsely reporting that I owe a balance for the returned items and negatively and falsely reporting on all XXXX credit bureaus that havent paid this balance in 2 months! New York and Company also mailed me stating that they were going to increase my interest rate on my credit card because of this. I am requesting that this is corrected on my account as soon as possible, correct the false reporting, decrease my interest rate back to what it was or lower. This issue is crazy considering that I had a XXXX balance before all of this and that the credit card had been paid off since XXXX before all of this happened. Since I have paid off the card I rarely use the card!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$470.00XXXX XXXX XXXXXXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX auto loan from XXXX XXXX XXXX XXXX XXXX is not reporting/ missing on my Credit Report XXXX XXXX loan from XXXX XXXX XXXX XXXX - XXXX is not reporting /missing on my Credit Report XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX is not reporting/ missing on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not reporting /missing on my Credit Report All these account is in good standing and paying as agreed
Product: Credit card or prepaid card

I made XXXX purchases on XX/XX/21 at Lowe 's store while in Ohio from Florida. I went online to pay bills on XX/XX/21 and to my disbelief I was shown 4 days late on my payment. I called Lowe 's ( Synchrony Bank ) and talked with a rep who said their billing cycle is on the 7th of the month and therefore I was late. However, after discussion, the rep told me she would deduct the late payment and finally told me they would not report the payment as late to the credit bureaus. Even with that, I thought I should have 30 days from the date of purchase before a payment is due. According to their standards, if I make a XXXX purchase on the XXXX a payment becomes due the following day. 
I have many credit cards and several through Synchrony and have never been late on any payment in over 15 years.