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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject 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 have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

I feel Regions Bank has repeatedly charged my overdraft fees gratuitously and fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding the reporting practices of XXXX XXXX, specifically pertaining to the late payments on my XXXXXXXX XXXX XXXX for the months of XXXX and XX/XX/XXXX as well as XXXXXXXX XXXX  XXXX. The Payments are still reporting late. These late payments have had a detrimental impact on my credit score and financial reputation, which I believe to be a direct violation of my rights as a consumer. 

On XX/XX/XXXX, I sent a certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX, expressing my strong dissatisfaction with the late payments reported on my credit profile. As outlined in my correspondence, these late payments are in clear violation of 15 U.S. Code 1666b - Timing of payments, which states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure timely delivery of the periodic statements. 

XXXX XXXX failed to adopt the necessary procedures to ensure the timely delivery of my statements. Consequently, I was unfairly burdened with the late payments in question, which were not my fault and should not have occurred. 

Additionally, I would like to bring to your attention that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. This further adds to my concern regarding the accuracy and validity of the reported late payments by XXXX XXXX. 

Furthermore, on XX/XX/XXXX, I sent another certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) directly to XXXX XXXX, invoking my rights pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and The Privacy Act of 1974. In this letter, I explicitly requested that my personal information not be shared with any third parties, including TransUnion and other credit reporting agencies.

I expect my privacy rights to be respected, and my personal information should not be shared without my consent. It is imperative that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act Of 1974 by ensuring the accuracy and up-to-date information within my credit report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against TransUnion for their role in the inaccurate reporting of late payments and potential violation of my privacy rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the rectification of the errors in my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Tuesday at XXXX am, I had a gentleman by the name of XXXX ID # XXXX call me on my cell and said he was calling from Wells Fargo Fraud ( the number that he was calling from, I looked it up online as I was talking to him and that day it was a legit Wells Fargo Number ) and had asked if I made 2 purchases. One in the amount of {$1000.00} and the other in the amount of {$2500.00} I said no and he said that we need to XXXX my money back to me. So he sent me a code to put it in XXXX, typed my name as the recipient, but it actually went to him at XXXX XXXX. As I hung up I knew I fell for Fraud so I immediately called Wells Fargo, they put a claim in and said I had to wait 10 days to see if I get my money back ( Which the transaction was pending that day in my account and when I looked the next day, Wells Fargo had put it through ) So when I called on the 10th day Wells Fargo had told me my claim has been closed because there is nothing they can do and it is what it is. Well I do not beleive it is what it is. I have all documentation showing that I had called them, reported fraud, also Wells Fargo stating that if I didn't send this money or if it is fraud to please call them and I did within 2 minutes of it happening. I have emailed XXXX, FBI, talked to Wells Fargo and contacted XXXX XXXX XXXX XXXX. I think they should refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

First complaint was on XXXX - 2nd attempt : XXXX Nothing was provided but 1 bill statement. I do not feel that it reasonable validates this account information as being accurate. 

XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX XXXX, UT XXXX I am Requesting : Please send all correspondence to this matter via mail XXXX XXXX XXXX, XXXX, MD XXXX 15 U.S.C 1681 ( a ) ( 6 ) ( b ) states that, as a part of, or in addition to, a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-days period.

1. A statement that the reinvestigation is completed, 2. A Consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation.

3. A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name, number and address of any furnisher of the information contacted in connection with such information.

4. A Notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and 5. A notice that the consumer has the right to request that the consumer reporting agency furnish notifications under that subsection. 

I am Requesting : Please Provide everything in writing to XXXX XXXX XXXX, XXXX, MD XXXX via certified mail. 

Additional Request in writing : 1. Originally Signed Contract ( s ) and Proof of CONTRACT ( s ) 2. All Payment Statements and Complete Breakdown of original contract, changes, charges, or adjustment including dates and reason.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
CHRYSLER CAPITAL XXXX Balance Owed : {$0.00}
Product: Student loan

my federal student loans were sent or sold to Navient after XXXX It was no way i could make those payments that Navient was ordering me to pay so when i heard about the student loan forgiveness program i jumped on it. The way that it was set up is i qualified for consolidation and i had to pay XXXX and my loans with Navient were consolidated thru another company who wrote Navient a check for my full balance owed on all student loans. Since almost a year ago when this happened I was getting late payments reported on my credit reports after they was paid in full. Student loan I had with Navient are now showing closed and paid. I have called them numerous times and ask could they remove the accounts off my credit report so maybe i will be able to purchase a house XXXX day. I have been told by Navient that they will not remove because by law that was something they could not do. How is it they can put something on your credit to ruin you but cant take it off to help. I just dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

All incorrect information on my credit score before and after I bought a home And my credit score gone downhill lower than before some of the credit cards I stop using them and they still try to collect my money it very sad and frustrating! I try to make my end meet for my family and XXXX little boy but they keep messing with my credit score it make my process to buy a home very challenging because of high interests base on my credit score! 
All I want is a fair treatment Thank you
Product: Money transfer, virtual currency, or money service

Every week chime bank system is down and we can not use are card and this time its right before a holiday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with CRB upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with Discover financial and one with the XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX
Product: Credit reporting

refused to send the report by email. the only company that makes you use the XXXX mail.
Product: Mortgage

The issue is cause by Loan Care Mortgage Company. They have may XXXX errors with my mortgage this year so far. # 1 On XXXX/XXXX/XXXX - I received a check for {$1000.00} from " Loan Care '' stating that my Escrow had an overage & that this amount was being return to me. I call " Loan Care '' { same day } asking that this call be recorded as well. Then I ask the CSR was this check send out an error on " Loan Care '' part or was this for real and to check to be sure this was not a mistake. The CS person said that the check was not a mistake, it was an overage to my Loan & Escrow accounts, that all bills { loans & Insurance and taxes } are paid. I question the CSR again & the same answer. The CSR person said that if I did n't want the check, just send it back. I reply that if is this for real, I was going to pay a bill with it. # 2. I found out on XXXX that " Loan Care '' had been applying Mortgage payments to my Escrow account. # 3. I call " Loan Care '' on XXXX/XXXX/XXXX to find out were my Loan Statement was, I 'm trying to Re-fi my mortgage with XXXX & need a up to date statement. That 's went I was told ; that I was behind in Home payments & it had been reported to the " Credit Company 's ''. That 's when I found out that my Mortgage payments were being added to Escrow accounts. After talking to XXXX different CS 's, I found out that they had added XXXX Mortgage payments to my Escrow account & not my Mortgage. " Loan Care '' Mortgage Company only found these errors out when I call them on XXXX/XXXX/XXXX. I then was transfer to upper management person - XXXX XXXX. I told her all that I found out about what was going on with MY Mortgage payments. XXXX said she was correcting all of the payments errors as we speak. But that I was still behind XXXX payment & I need to pay it. I told her I do n't have it & that after I call " Loan Care '' on XXXX, I had paid a bill with that money they had send back to me & that this was their BIG ERROR. I told XXXX that the mortgage was being paid by Indiana Gov'ent help fund. That I was calling Indiana XXXX XXXX and reporting " Loan Care Mortgage. XXXX group told me to file this complain with you and the Indiana Attorney General as well.. The payments were made in good faith and the " Loan Care '' Mortgage Company was the one making all of errors and not taking responsibility for said errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from Equifax & creditors stating the information on my report is accurate when it is not. 

The fraudulent items are : XXXX  {$450.00} XXXX {$690.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX with things that are fraudulent - Equifax Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit - XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to Equifax on XX/XX/XXXX, via postal service PS FORM XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the Equifax Fraud Specialist suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the Equifax Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX store
Product: Payday loan, title loan, personal loan, or advance loan

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

GOODLEAP LLC XXXXXXXX
Product: Credit card

I have contacted Applied bank several times about this account and I have also called them. They told me this account was sold to a Denovus corporation. Well I asked them if they are able to contact this company and ask them to call me. So finally the company called and I gave them the information about the credit card and I informed them that I had been a victim of identity theft and fraud and that this was not my account. But instead they insisted that it was so instead of arguing trying to get the information take off my credit I told them if we came to a settlement agreement I would pay the account off in full and I would then want this account deleted from my credit. Well XXXX told me that I could pay her {$410.00} plus another XXXX to pay for delete. I told her if I pay the XXXX you should delete it off anyway without me having to pay. Then she said and it will take us 45 days to delete it. I told her no I am not paying you to delete it off my account and I am not waiting 45 days. She said well that is the only way you will get it done or are you refusing to pay. I told her well to be honest I do n't have to pay it because I was a victim of Identity theft and fraud and its really not my account. so it should already be deleted without me having to pay anything. A letter was sent to you from my attorney and you ignored it and I sent in affidavit to you also and you ignored it so I am calling to either ask you to delete it or make a settlement arrangement and you telling me that you ca n't do it. she said no we cant. I said ok then I am refusing to pay until you can tell me you will go ahead and delete it I am not paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau reporting 3 late payments on my credit report. Reporting inaccurate information. I disputed the inaccurate information send in the correct information and there still reporting inaccurate
Product: Credit card

On XX/XX/2024, I applied and was approved for the Capital One Venture X card and with that include Priority Pass membership. I am traveling soon and got the card with the expectation I would receive the Priority Pass membership. As soon as I got the card, I attempted to sign up for Priority Pass and received an error message that my card number could not be found and wait a few days. I waited until I received a direct link from Capital One on XX/XX/2024 to sign up for Priority Pass. Again, I received the same error message and it said to wait until XXXX weeks to contact customer service. I waited until two weeks which is today XX/XX/2024. I contacted both Capital One and Priority Pass customer service and they both said that there is no time frame on when this issue will be solved, and I may have to wait awhile. Of course, this is extremely upsetting as I purposely got this card as one of the main reasons being that I would have Priority Pass membership. If credit cardholders are unable to enroll, it should not be advertised as a perk. I also should be able to maybe cancel this card and obtain a card with another company. That is why I am escalating this issue to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a negative item on my credit report from XXXX XXXX XXXX XXXX, located in New York ; the dispute was submitted to Experian in XX/XX/XXXX. I filed that I was scammed into a contract for a credit card processing machine on the promise of a loan for {$6000.00} to open my restaurant or I could cancel the contract ( XX/XX/XXXX ). The telemarketer, XXXX XXXX XXXX, did not let me know until XX/XX/XXXX, that I could not get the loan. XXXX XXXX charged me through debitting my checking account and I wasn't even open or making money! I sent the machine back but XXXX XXXX would not cancel the contract at any time, they said it was past yhe 10 day cancellation period which was in very small print! The New York Attorney General 's office has filed a suit against XXXX XXXX XXXX XXXX for their deceptive business practices and fraud, which I have just recently added my complaint to. They have an F rating with the XXXX XXXX XXXX! https : XXXX I tried to dispute again and on top of not giving but 210 spaces to write a complaint, Experian said they would not accept another dispute and they had the right to not accept disputes! This is not right on either party, XXXX XXXX XXXX XXXX OR Experian.com!! I couldn't even give experian the links and this is not fair consumer reporting! I was scammed!!
Product: Credit reporting or other personal consumer reports

Subject : Request to Pull Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to request the retrieval of my consumer report from XXXX and Early Warnings. I believe it is imperative to obtain this report for [ state the reason, e.g., applying for a financial product, rental application, etc. ]. 

Below are my details to facilitate the process : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free copy of my consumer report annually. If possible, I kindly request that you provide this report to me at your earliest convenience. 

Please find enclosed any necessary documentation required to verify my identity, if needed. Should you require any further information or have any questions regarding my request, please do not hesitate to contact me using the details provided above. 

Thank you for your prompt attention to this matter. I look forward to receiving my consumer report from XXXX and Early Warnings soon. 

Sincerely, XXXX XXXX Enclosures : [ List any enclosed documents, such as copies of identification or proof of address ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I have had several disputes with Experian regarding my credit report and several inaccuracies. 

The first being a collection account with XXXX XXXX XXXX with the supposed original debtor being XXXX. I disputed this account because it could not be verified with a previous collection agency and it was removed. When it came up again, I disputed it with this company. XXXX and XXXX removed it and Experian wont remove it. I have disputed this account for over a year, the most recent being in XXXX. They received my dispute, sent me an email for results for my disputes, and I can never access the results and no changes are showing made. 

I would like that collection account removed from my credit report as I did not authorize and do not authorize its inaccurate reporting. 

The collection again is on my Experian credit profile. 
{$680.00} XXXX XXXX XXXX for XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become aXX/XX/XXXXXX/XX/XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Debt collection

Midland Credit Management is trying to collect money that I never owed them. I had a credit card with XXXX XXXX XXXX-original acct # ( XXXX XXXX -There # XXXX acct was charged off to a XXXX balance by XXXX XXXXXXXX XXXX XXXX XXXX I cant owe a balance that no longer exists to the company that extended me that credit. I should not have this debt on my credit report. I never had credit with this company and XXXX XXXX XXXX should be released from my report after no more than 7 years-This is like double jeopardy. Being held accountable for the same debt twice. Please get this removed, I dont even know who this management company is. I never owed them money/ I never borrowed money from this XXXX XXXX. 

Please get this company removed from my credit report. I dont owe them money, I never did! 

Thank you in advance for your immediate attention pertaining to this matter. 

Sincerely, XXXX XXXX XXXX