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

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help this is hurting my credit and reporting false information to future creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
Product: Checking or savings account

My debit card was stolen unauthorized transaction of a total of {$1900.00} was made.I had gotten a check from the irs and then suddenly someone used it on a betting website XXXX  I have contacted Bank of America I made a claim I want it to reimbursed my account was seized I changed everything from passwords to locking my card and requesting to get a new debit card. I have a pending date until to hopefully return my funds back to me. I contacted Bank of America they told me I have to wait 10 business days until then the fraud claim was made on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Request for Documentation Regarding Late Payment Reporting Account : XXXX XXXX Account Number : XXXX Dear [ Creditor 's Name or " To Whom It May Concern '' ], I am writing to formally request documentation regarding a late payment that has been reported on my credit report for the above-referenced account. I believe there may be an error in this reporting and seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least 21 days before the payment due date. The notice must include a form, as outlined in 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment.

To ensure that my rights have been respected and that the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing.

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions.

If you are unable to provide the requested documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law.

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will be forced to pursue further action to ensure my credit report is accurate and that my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I originally filed a complaint asking for assistance in a modification with an interest rate of 2 % or a principal balance to be able to afford my payment. I also addressed my concerns of my escrow account account increase.     I was advised my insurance premium had gone up and that was the reason why my payment went up. I confirmed with ocwen my insurance premium is only  XXXX  a year. There is a violation of several things here since ocwen did not advise of this change within time. Also, ocwen should have given me the opportunity to pay the shortage without increasing my payment. Now i am afrain i will lose my home not being able to afford it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXXXXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX  XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing this complaint to bring to the attention of Synchrony Bank their violation of the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, once a consumer has requested that a debt collector cease communication, the debt collector must honor this request and refrain from further contact. Per your response on XXXX XX/XX/XXXX to my original complaint you acknowledge my phone call on XXXX XX/XX/XXXX requesting a cease and desist however every day I continue to receive phone calls from Synchrony Bank from collection representatives in XXXX regarding the matter and auto-dialer messages. In total over XXXX calls have been made to my phone repeatedly regarding this matter despite my cease and desist request. 

These repeated attempts to contact me despite my clear request to cease communication constitute a violation of the FDCPA and this letter serves as a formal notice of my claim for damages. As previously stated per your own acknowledgement on XXXX XXXX I provided Synchrony Bank with a request to cease all communication regarding the alleged debt, as per my rights under the FDCPA. Despite this clear request, your company has continued to contact me multiple times daily, as evidenced by my call log and voicemail messages that I have attached including dates, times, and forms of communication. 

As a result of these ongoing FDCPA violations, I have suffered damages, including but not limited to emotional distress, inconvenience, and invasion of privacy. Your actions have also caused a negative impact on my personal and professional life. 

In light of your company 's blatant disregard for the FDCPA and the harm I have suffered as a result, I am seeking monetary damages in the amount of {$5800.00} covering the outstanding balance of {$840.00} for XXXX XXXX account ending in XXXX and {$4900.00} for PayPal Credit account ending in XXXX, which is far less than the maximum allowed under the FDCPA for each violation. Current law allows me to sue in the amount of {$500.00} - {$1500.00} per unwanted call totaling between {$31000.00} - {$93000.00} for the amount of calls that have been made. This does not include the amount of calls that will continue to be made to my phone in the interim of you receiving, investigating, and responding to this request. In addition I am requesting all derogatory information regarding these accounts to be deleted from my credit reports. 

Please consider this letter a good faith attempt to resolve this matter before proceeding with formal legal action. I kindly request that you respond to this notice within XXXX business days with your intention to resolve this issue. Failure to respond within this timeframe or to reach a resolution will result in legal action being initiated against your company. I have also filed a complaint with the Ohio Attorney General XXXX XXXX regarding this matter as this is a repeat violation of FDCPA and the Telephone Consumer Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying contact to contact trans union about a report for a car dealer finance no succes
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX Balance {$1100.00} XXXX  XXXX Balance {$2400.00} XXXX  XXXX XXXX Balance {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted equifax, XXXX and XXXX and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Credit Card Account Number:XXXX Equifax XXXX Credit Card Account Number:XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX ca XXXX ] [ XXXX [ XXXX [ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from XXXX XXXX XXXX XXXX XXXX XXXX ], on XXXX XXXX and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Total Amount in Dispute : [ {$720.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges. 

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future.

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently.

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above.

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute.

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX
Product: Debt collection

Account Resolution Corporation makes a habit of ruining consumers credit. This organization place NINE derogatory collection remarks on my credit report for the SAME utility account. I have paid almost XXXX XXXX dollars for this utility bill and ARC refuses to update the collection account ( S ). This company has single handedly destroyed my credit. 

I am working with a credit attorney, but so far, nobody ( not event ARC ) can explain to me how it is legal to operate this way. How can one person have NINE derogatory remarks for the same company and the same account?
Product: Credit card

On XXXX XXXX XXXX XXXX  I made a reservation with XXXX  for a hotel that cost XXXX and change for a four days stay in NJ. I NEVER received any reservations and I had called them but it turned out that XXXX wanted to still steal from me because they had asked me to get two gift cards with XXXX each and send to them in order to resolve the reservation issue and I then realized that they were trying to get my money again. 
I contacted chase credit card immediately and disputed the amount but chase told me that XXXX said that I didnt use the service and they had a non refundable policy. 
I asked my credit card company to please ask XXXXXXXX to send me the reservation email that was sent me upon booking the hotel. 
They have closed the dispute and I feel that they are siding more with XXXX on this issue and not considering their customer ( me ) in this case. I want the matter to be looked at and resolved immediately. 

Thanks so much.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for its failure to accurately report information on my credit file, properly investigate my disputes, and comply with the Fair Credit Reporting Act ( FCRA ). Your actions have caused significant harm to my financial standing and have directly contributed to ongoing fraudulent activities affecting my credit report.

Failure to Accurately Report Account Status TransUnion continues to report closed and charged-off accounts as open, updating their status and displaying incorrect balances and past-due amounts. Specifically, the following account is being inaccurately reported : XXXX XXXX Account Status : Potentially Negative Balance : {$XXXX} Balance Updated : XX/XX/XXXX This reporting violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy. Reporting a charged-off account as open and updating the balance misleads creditors and damages my XXXX XXXX. 

Additionally, FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) prohibits data furnishers from reporting incorrect account statuses and balances. Since this account has been charged off since XXXX, there is no valid reason for these misleading updates. 

Improper Handling of My Fraud Claim I have submitted a Federal Trade Commission ( FTC ) Identity Theft Report, yet TransUnion continues to display fraudulent items on my credit report. The FCRA requires a proper reinvestigation within 30 days and removal of inaccurate or unverifiable information per FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

Furthermore, I was affected by the XXXX XXXX data breach and the XXXX XXXX XXXX data breach, which compromised my personal information. As a result, I have been a victim of fraudulent activities that have negatively impacted my credit report. Your failure to address these fraudulent accounts and identity theft claims is a direct violation of federal law and a breach of your duty to protect consumers from identity theft-related damages. 

Unapproved and Misleading Credit Alerts I continue to receive electronic alerts stating that a closed and charged-off credit card is over its maximum limit. These alerts, generated by TransUnion and sent to XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, and XXXX XXXX XXXX, are misleading and damaging to my XXXX XXXX. This violates : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), requiring maximum possible accuracy.

FCRA 623 ( 15 U.S.C. 1681s-2 ( a ) ), prohibiting the reporting of false or misleading information.

Since this account is closed and charged off, it is impossible for it to exceed its limit. Continuing to report this false information : Falsely inflates my credit utilization ratio, damaging my FICO Score.

Misleads lenders and creditors, violating federal law.

Causes financial harm by preventing me from accessing credit opportunities.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX XXXX XXXX XXXX XXXX XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. For purposes of identification, my date of birth is XX/XX/XXXX and my social security number is XXXX. 

I write to request the assistance of Kolhs Executive Office in connection with a dispute that has been pending with Kohls/Capital One for several months now. 

The account in question was opened in XX/XX/XXXX and bears the account number XXXX. The negative remark on my credit report ( furnished by Kohls ) is inaccurate because I did not apply for or benefit from the goods and services provided by Kohls/Capital One.

I disputed this account with the credit reporting agencies on several occasions. Each time I was advised by the credit reporting agencies that the account had come back as verified.

I contacted Kohls charge related telephone line on two separate occasions. I ask the representative what factual basis Kohls had to assert that this account belonged to me. The explanation I received was baffling. Kohls stated that there was a payment made in XX/XX/XXXX to settle this account. On that basis, Kohls insists, this account belongs to me. I asked to advise as to whom the payment made and who actually made the payment. Kohls stated that it did not receive the payment, but rather, the payment was received by its collections agency XXXX XXXX. 

I then called XXXX Solutions ( Kohls collection agency ). The XXXX Representative stated that it had indeed received a payment in XX/XX/XXXX. XXXX Solutions could not verify who made the payment or how the payment was made. 

Today, I called Kohls again. I explained to the Kohls representative that, again, this account did not belong to me. I further explained that XXXX Solutions could not verify who made the payment. It certainly could not substantiate that I was the one who made the alleged payment. ( I did not make the payment. I never applied for this account ). The total limit of the card appears to be a paltry {$300.00}. If XXXX Solutions is accurate, Kohls has recovered {$350.00}.

The presence of the negative remark on my credit report is inaccurate. I am appealing to your sense of decency and requesting that the Office of the President immediately direct that this negative remark be removed from my XXXX  and XXXX  reports. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my Equifax credit report and I would like them to be removed. The companies that inquired were XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX
Product: Debt collection

I received a call from ( XXXX ) XXXX, and the voicemail said to call before XXXX or else they will " escalate '' legal matter. It 's apparently a debt collection for my sister. I do n't know how they got my number.