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

Dear XXXX, I am writing to formally dispute the inaccuracies in my credit report and to bring to your attention a serious issue regarding fraudulent charge-offs on my accounts. Pursuant to Consumer Law Code 15 USC 1681n, which addresses damages for willful noncompliance, I am seeking your assistance in rectifying these inaccuracies and ensuring that my credit report reflects accurate information. 
Upon reviewing my credit report as of XX/XX/XXXX, I have discovered several fraudulent charge-offs listed on my accounts. Notably, these inaccuracies involve the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX These accounts were closed in XX/XX/XXXX and XX/XX/XXXX respectively. Despite the closure, my credit report erroneously reflects charge-offs on these accounts that are both inaccurate and fraudulent. Also, on these accounts its still being reported that I have a credit limit even though the account is closed. This erroneous reporting is causing undue harm to my credit profile and potentially affecting my financial well-being. 
I have already reached out to the credit reporting agencies to dispute these inaccuracies, but they have yet to take corrective action. Therefore, I am now seeking your intervention to ensure that the following actions are taken : XXXX. Removal of all fraudulent charge-offs associated with the XXXX Federal Credit Card and XXXX XXXX XXXX XXXX from my credit report. 
XXXX. Verification and correction of the reported information to reflect the true status of my accounts. 
The inaccuracies in my credit report are not only misleading but also violate the Fair Credit Reporting Act, which mandates that credit reports be accurate and up to date. I respectfully request that you investigate this matter promptly and take the necessary steps to enforce compliance by the credit reporting agencies. 
Please confirm receipt of this letter and provide me with a written response regarding the actions taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your assistance in correcting these inaccuracies. 
Thank you for your time and consideration.
Product: Debt collection

AARGON AGENCY INC XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting

I have contact the Equifax, Transunion, and the various companies that have reported an inquiry to my reports. I mailed letters, filed disputes online, and also have called them to ask to remove the inquiry because they were NOT authorized by me. I have gotten no proof of signature or documents verifying the inquiry from any company or credit bureau that were reported. Please help me remove the items from my report because after several attempts via USPS, phone calls, and online disputes the companies have failed to provide me with paperwork with my signature.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Bloch Inc. XXXX XXXX XXXX XXXX service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process a XXXX was unfair and Leceptive, as they did nor XXXX  comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

XXXX released my new account number to XXXX after I closed the account and was issued a new credit card because of unauthorized activity on my account from this same company. When I notified XXXX I had XXXX knew charges on my account from Instantcheckmate, I was told they have arrangements with this company to release new account information for reoccurring monthly billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before using Capitol one credit card, I was using a credit card from XXXX XXXX. During this period, I have been in good standing with XXXX  XXXX  with no late payments. As a result of the transition from XXXX XXXX to Capital One XXXX, my auto-payment information did not transfer over, and as a result, I had a payment past due. The impact of this is a drastic fall of my excellent XXXX  Credit Score from XXXX Points to XXXX Points ( -106 ), and XXXX  Credit Score from XXXX Points to XXXX Points ( -105 Points ) Till now, I have been a great standing customer with Capital One and other credit card companies, and I am happy to provide other credit card history with positive standing reports upon request if needed. 
I have called capital one several times to resolve this with no headway, which resulted in me filing a dispute, requesting that delinquent period reflecting on my account be removed because I am a victim of the XXXX XXXX to Capitol one bank switch that has disrupted my normal payment process. 
My last call on XX/XX/17 with an agent ( XXXX ), I was advised that they can not change anything, and they will send me a notification to that effect.
Product: Bank account or service

Sent to Chase thru secure message center onlineXXXX XXXX, XXXXI had an account with Washington Mutual since the early XXXX while living in Oregon. With Chase taking over WaMu, it brought many hardships. I dealt with this as best I could but the local Chase people in California, were usually not helpful. I once again faced a large problem when I was told that the routing number on my checking acct was being changed and received a letter stating such. I went in to a branch to get assistance. They looked over my account, the letter, etc and then said I had to contact all my direct deposit entities notifying them. This required considerable time and effort, plus XXXX more visits to a Chase branch to make sure that the changeover would not disrupt my automatic deposits, etc. Finally all was done and the deposits went as they had in the past. Then I found out through my own efforts and with no help from Chase, that Chase had made yet another problem for me, for no reason other than their internal poor management and error. There was no change necessary as my routing number never changed, it was the same all along. So all the worry, time, phone calls, visits to branches, etc was for NOTHING! For this reason, I ask Chase to provide me some remuneration for all this time and effort and ask a {$100.00} gift card/deposit made to my checking account to make things right. Please let me know as soon as possible. Also, of great importance, please let me know what internal controls have been put in place so that Chase does not put me through further hassles. Please let me know as soon as possible. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally address a fraudulent and unauthorized credit inquiry that has been unlawfully appearing on my credit report. Despite multiple disputes and clear evidence that I did not authorize or consent to this inquiry, it remains unresolved and continues to negatively impact my credit score. I have contacted both the credit bureau and the company responsible for the inquiry several times, providing all necessary documentation to demonstrate that I did not initiate or approve the application associated with this inquiry. Yet, the inquiry has not been removed. This ongoing inaction is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting. It also raises serious concerns about potential identity theft, further adding to the stress and uncertainty I am facing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : CXXXX 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 XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding a persistent issue related to my credit accounts with XXXX XXXX. Specifically, I have encountered multiple attempts to tie up an account that is correctly reported as open with 3 credit bureaus but inaccurately reported as a collection account with another credit bureau. 

This situation has caused considerable confusion, stress, and damage to my creditworthiness, and I am seeking your immediate assistance to rectify these discrepancies. 

XXXX XXXX XXXX Date Opened XX/XX/2018 Balance : {$0.00} - Tied Up Issue Description : One of my XXXX XXXXXXXX credit accounts is correctly reported as open and in good standing in other Credit Bureaus, as reflected in my credit report. However, this same account is erroneously reported as a collection account, as shown in my credit report. This inconsistency has severely impacted my credit score, making it challenging for me to secure favorable credit terms and loans. 

I have made multiple attempts to resolve this issue by contacting XXXX XXXX 's customer service, providing documentation and proof of the account 's open status, and requesting that the accurate information be reflected on all credit bureaus ' reports. Despite my efforts, the issue persists, and my credit profile continues to be adversely affected. 

I believe that this situation not only violates the Fair Credit Reporting Act ( FCRA ) but also reflects negatively on XXXX XXXX XXXX  commitment to providing accurate and reliable credit reporting. 


To address this issue promptly and to ensure compliance with the FCRA, I kindly request the following actions : Investigate and verify the accuracy of the account information reported to credit bureaus, particularly the discrepancy between the Credit Bureaus. 

Correct the reporting error with 3 Credit Bureaus to reflect the accurate status of the account as open and in good standing. 

Provide written documentation of the results of your investigation, including confirmation of the correction made withCredit Bureaus. 

Notify the Credit Bureaus and other relevant credit reporting agencies of the corrected information to ensure uniform and accurate reporting across all credit reports. 

Ensure that this issue does not recur in the future and implement measures to prevent similar inaccuracies in credit reporting. 

Failure to address this matter promptly and in accordance with the FCRA may compel me to seek legal remedies to rectify these inaccuracies, including pursuing damages for any harm caused to my credit profile and personal finances. 

I have enclosed copies of relevant documents, including credit reports. I kindly request for your assistance to correct this account in good standing.
Product: Student loan

XX/XX/XXXX- {$3100.00} XX/XX/XXXX- {$1800.00} XX/XX/XXXX- {$1000.00} Dept of Ed is charging me with these amounts and my credit score decreased by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

td auto finance has violated my rights. TD auto finance has lied to myself and the cfpb about receiving a credit application from XXXX XXXX in XXXX XXXX XXXX I now have evidence from the dealership in question and other banks stating that they can not provide a copy of the credit application. now I have evidence of td auto finance in letterhead lying. if the cfpb allows this company to lie again, I will go the attorney generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!
Product: Credit reporting

When making a final payment on a closed account with XXXX, I found out that there was another phone line that was opened up in my name about 2 years ago, XXXX 2013. When I went to Credit Karma to obtain a credit report, and to find if there was any other illegal and unauthorized activity, I found out that there a home and auto loan that was also taken out in my name around the same time.
Product: Payday loan, title loan, or personal loan

I am writing to bring to your attention a serious violation of my consumer rights by BMG MONEY INC. I have recently discovered that BMG MONEY INC have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information. Furthermore, I have reason to believe that BMG MONEY INC has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of BMG MONEY INC, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties. 

I demand that BMG MONEY INC rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my spam folder to find an email from XXXX XXXX ( XXXX XXXX   ) stating that due to a new login system in which customers were required to use, they were going to restore credit history prior to XX/XX/XXXX. Prior to XX/XX/XXXX I NEVER missed a payment. After I had to create a new login for auto payment, I have NEVER missed a payment and paid in full. My account status should be -- PAYED AS AGREED. NEVER LATE. The late credit reporting (XX/XX/XXXX XXXX   and XX/XX/XXXX Experian ) need to be removed ASAP. I was told they would be removed. Over a month ago, I sent USPS certified letters to XXXX XXXX  and they have yet to do what they promised. This is negatively effecting my credit. I have sent disputed WITH proof yet NOTHING has been done.

Attached is the email promising to restore my credit, an certified letter to the CB and certified letter to XXXX XXXX  ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 : Barclays Bank Delaware XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( Factual Data I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card that is open with you all. While I initially thought you all were a good fit, yall have been nothing more than a headache for me and my family. First when making my second payment, discover had it marked on their site that I wanted the full payment made. This put me in a tight spot and roo all of my funds out of my account and sent me into overdraft. I was livid and called and spoke to 2 supervisors, none of them helpful at all in fact they told me maybe qe could go qithout groceries or not leave the house so we were not using gas. I had just found out I was pregnant and lost my job all in the same day. I was really reassured I would have better service seeing my husband has had great experiences. Unfortunately, I had to call my bank and cancel the payment, which made it seem like I was late. I called Monday and made my payment but they persisted I pay XXXX. I said no, finally the rep said we will help you with this and dont worry. So the next month it still shows I have a late fee then this month I got an email saying I was late again. After speaking to a rep at the end of XX/XX/XXXX who again assured me no your payment will only be the XXXX and change payment. But no, I got a passed due bill last night. You guys are fraud and phoneys!! Im taking this to XXXX as well as my local TV station and will blast yall anywhere else. No-one gets back
Product: Credit card or prepaid card

I was sent an email from my XXXX Chase bank credit card on XX/XX/XXXX that stated I had a balance of XXXX points and I needed to spend XXXX points by XX/XX/XXXX in order to earn a XXXX companion pass. I quickly spent an additional {$21000.00} dollars to achieve this companion pass goal. when my points did not reset online I called XXXX to inquire about my pass at which time I was told that those points spent after XX/XX/XXXX do not qualify even though I was sent an email stating I was almost there and could reach my companion pass goal if I spent this additional required amount of money prior to XX/XX/XXXX. XXXX is claiming they have no control over what date the billing date resets and that even thought their email stated otherwise the billing date was expired prior to this email being sent to me. I was persuaded in an email that I have I. writing to spend a large sum of money and then denied the promised companion pass. This is absolute fraud.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX  card owned by Comenity Capitol Bank has consistently charged a {$29.00} late ( which will go up to {$41.00} XX/XX/XXXX ) when I make my payment online on time. They send the statement out 30 days in advance but dont allow you to make the online payment until 2 days prior to the due date which is the XXXX of each month. This is totally unethical! They also charged me a {$29.00} late fee for missing a XXXX payment which was indeed made XX/XX/XXXX but did not reflect on my XXXX statement. Ive spoken with Comenity and they admit they send the statement out 30 days early but only allow online payments to be processed 3 day prior to due date which makes than automatically late!