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

Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the account listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681. 

**Account Name : ** Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX, XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX 4. The following personal information is incorrect Also Known As : XXXX, XXXX 5. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Also Known As : XXXX, XXXX, XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. The following personal information is incorrect Employers : XXXX 9 . The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
12. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
13. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent.

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have a Fruad account appearing on my credit report.
Product: Mortgage

I had a loan with XXXX bank. XXXX bank sold the loan and transferred it to rocket mortgage. I paid XXXX bank every month through auto ACH where they pulled the funds. I did not receive notice from XXXX or Rocket mortgage. Rocket mortgage claims they emailed the authorized person on the account however ( not the mortgagor which is me ) the authorized person on the account wasn't authorized to speak to Rocket mortgage as they weren't the mortgagor so rocket mortgage wouldn't speak to the person they were emailing and calling. Subsequently I never got notice and now my credit is ruined for a late payment even though XXXX had permission to draw money in for the mortgage for the account and there was always ample money on the account to make those payments.
Product: Credit reporting or other personal consumer reports

Im sending to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of items do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I attempted to have a wire transfer of {$25000.00} from my Laurel Road Bank account to a company XXXX XXXX XXXX XXXX. The wire was on behalf of my friend who asked for a loan to pay for a car.

Laurel road bank requires you to call in to start this transfer, so I did. I was told by the first agent that I would receive two more phone calls to confirm and verify my identify, which I did from other bank staff from their associated bank, Key Bank.

That day my account was restricted and the wire was not set. I was not notified of either happening, and only noticed that I could not access my bank account anymore.

I received a letter in the mail from Key Bank asking to call their fraud team. I called them and was sent a sworn affidavit to fill out and have notarized. The notarized copy was sent and received ( via their own confirmation ) last week.

I have since called Laurel Road and Key Bank countless times over the past 2 weeks, the last time being today, for updates. They continue to say my account is under investigation for an unknown period of time despite having me verify my identity via phone and sworn affidavit. Can you please help me to have my account restriction removed quickly?
Product: Credit reporting

I had investigate XXXX XXXX XXXX XXXX credit card. After 30 days of this creditor being investigated through Equifax the item was deleted. I just check my credit reports through XXXX XXXX and it 's showing New Accounts Reported Since your last update on XX/XX/XXXX, XXXX accounts have been added to your credit report. 

AccountTypeDate OpenedCredit LimitBalanceReported ByXXXX XXXX XXXX XXXX XX/XX/XXXX {$25000.00} $ XXXXEquifaxXXXX/XXXXCredit CardXXXXN/A $ XXXXEquifax These accounts were deleted!! #
Product: Debt collection

I am writing to express my deep concern and frustration regarding the recent actions taken by Portfolio recovery in connection with an alleged debt. It has come to my attention that Portfolio Recovery has engaged in what appears to be a serious violation of the statute of limitations and, in the process, has subjected me to undue stress and inconvenience. As per the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors are bound by specific rules and regulations when it comes to the collection of debts, including the statute of limitations. Under the law, a debt becomes time-barred after a certain period, beyond which legal actions can not be taken to collect the debt. This debt was charged off in XXXX. In my case, I understand that the statute of limitations for the alleged debt in question had already expired, which is typically seven years in most states. During this time, the debt was in collections, and it adversely affected my credit score. However, to my surprise, Portfolio Recovery removed the collections account from my credit report but then took the drastic step of filing a lawsuit to collect the debt, well after the statute of limitations had expired. Furthermore, I want to bring to your attention that I never received any formal notice regarding this legal action. I was completely blindsided by the lawsuit, which is not only distressing but also a clear violation of my rights as a consumer. I believe that I should have been informed of the lawsuit and given an opportunity to respond appropriately within the legal time frame. Additionally, I am deeply troubled by the false and misleading information provided by the attorney office Portfolio Recovery hired, which erroneously claims that they have a 15-year window to collect on this debt. This misinformation has caused significant confusion and anxiety on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on all of my reports. A company XXXX XXXX XXXX pulled my credit report by saying it was FRAUD ACTIVITY on my account. Per I do have an account with this company and this is not the first time they have tried to pulled my report. I do not understand why you need to constantly pull a credit report if someone already has a account. 

So In order to pull my report they had to state that I was doing something Fraudulent. I called to ask them what was I doing Fraudulent and each time the disconnected the phone call, three times. I need this inquiry deleted from my report. I have contacted XXXX and they are insisting that I get a letter from this company and the company will not even speak to me. This report was done in FRAUD. I will be also getting a police report. 

Thank you
Product: Credit card

ACCOUNT # XXXX We are not able to even check or are we getting/ receiving any information on this account they closed this account after we mailed a letter XX/XX/XXXX ( enclosed copy ) questioning an email we received on XX/XX/XXXX as a fraud /scam email. We have since written numerous letters and made numerous calls ( see just a few of the letters ( dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that only response we get is a letter that is mass produced stating account will remain closed*applicant is not responsive to communication. We have called numerous times/mailed numerous letters and only response we get is a letter it is closed. Nothing addressing all the issue we have asked or written. When we call, we are being told : Great customers, great credit, very high credit score, they would need to limit credit given and that a supervisor would call back. However, no one every call back, has left a message or has reached out at any time.

We are still questioning entire account all chargers over entire duration of account, missing cards that we got three emails that they had been mailed, club points over {$300.00} that we can no longer access because of the account being closed, PAYOFF after entire account is investigated and corrected. Payments we have sent applied to principal as they stated correctly. This is discrimination since we are a married couple wanting a joint account, we questioned this and the email that we thought was fraud.

We are not looking to reopen or are we interested in that at this point due the way the entire issue has been handled. We have been issued a joint account through another card with no issues and done very quickly. It also offers much better incentives and ones that are actually not just based on one company Cabelas which is also discrimination against people that dont use hunting products. 

Thank you to your immediate help correcting all the issues with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/22, I let the credit bureaus and the secondary reporting agencies know this. I also provided them with an identity theft report showing items that are inaccurate, fraudulent, unverifiable on my credit file. These items are supposed to be deleted within 4 days according to the Fair Credit Reporting Act. Also, none of these accounts should have been put on my credit file in the first place. I did not give written consent for these accounts to be furnished on my file!! I have in writing, letters from XXXX, XXXX XXXX XXXX and US BKPT CT XXXX XXXX, stating that they do not report anything to any of the credit bureaus. I was informed that this information was furnished using XXXX, XXXX, LexisNexis and other secondary consumer reporting agencies. I have a right to privacy! You can not sell and provide false information about me. The defamation of my character and invasion of privacy has caused a lot of stress in my life. I am demanding that these fraudulent items be removed NOW!!
Product: Credit reporting or other personal consumer reports

Complaint Regarding Violation of Fair Credit Reporting Act ( FCRA ) by Experian Dear Sir/Madam, I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for violations of the Fair Credit Reporting Act ( FCRA ), as well as violations by the reporting parties under the Fair Debt Collection Practices Act ( FDCPA ). I have discovered that Experian has been reporting inaccurate information on my credit report. Specifically, the trade line in question has been listed without proper validation of the debt, as required by law. Despite my numerous attempts to have the debt validated, the reporting parties have failed to provide the necessary documentation to prove the legitimacy of the debt. Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of information they report. Additionally, under the FDCPA, I have the right to request validation of any debt reported, and the reporting parties must cease collection activities until they provide such validation. In this case, neither Experian nor the reporting parties have complied with these legal requirements. Therefore, I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate this matter. I am seeking the permanent deletion of the trade line in question from my credit report, as it is not validated and therefore, should not be reported. on request I will enclosed copies of all relevant correspondence and documentation related to my attempts to resolve this issue directly with Experian and the reporting parties. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely, XXXX XXXX Experian Report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows late payments when is paid off and before that there were payment made also due to covid19
Product: Credit reporting or other personal consumer reports

My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : XXXX XXXX  XXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXXXXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.
Product: Student loan

Hello, I consolidated my federal loans in XX/XX/XXXX. The consolidated loans were held by ACS and not transferred to XXXX until XX/XX/XXXX. The payments during this time period are showing as unpaid and not counting towards the PSLF. There is not a clear direction as to who to contact or have this corrected given they are no longer in service. I was told at the time that you could have any servicer and that when it was transferred to XXXX the payments would count. XXXX is saying the information was not transferred to them regarding the number of counts. Of course this was nearly 10 years ago and the information was incorrect and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I started paying in XXXXXXXX XXXX XXXX, set up a payment plan monthly and was offered the amount of XXXX to be paid overtime. Set up payments to auto draft from my account. I received emails saying when my next payment was due and the amount coming out but i noticed the remaining balance was not going down with each payment. I set up low monthly payments due to a financial hardship i am in currently. I cancelled my payment plan today XX/XX/XXXX and contacted Midland Credit Management when there i was told my balance was now XXXX. I asked to settle the account in a one time payment and asked about my previous payments and why the balance was not going down and the lady told me there was no avail settlement and she disconnected the chat. My questions about the payments or why my balance was not going down was not answered. I started my own digging and found my email receipts for all my payments and my amount remaining says XXXX as of today XX/XX/XXXX. I tried reaching out again to get some answers and was hung up on. I am trying to take care of a balance and i am getting no correct or same answer from their employers. I feel like they are trying to get more money out of people by being so short and disconnecting chats instead of trying to work something out with someone who is making an effort to pay.
Product: Debt collection

I was violated by FORSTER & GARBUS LLP. During the year of XXXX  as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by FORSTER & GARBUS LLP, for the amount of {$38000.00}. Exhibit A provided show how I was violated by FORSTER & GARBUS LLP, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that FORSTER & GARBUS ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) Forster & Garbus reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.
Product: Credit card or prepaid card

I received a US Bank Credit Card in XX/XX/XXXX. The promotion offer was that if I spend {$4500.00} in the first 150 days, they will credit my account with {$500.00}. As seen in the attached file - AccountPaymentHistory.pdf, I had spent {$5200.00} within 150 days. I sent US bank an email regarding the credit and received the following reply from them on XX/XX/XXXX ( Our records show that you have met the {$4500.00} spending requirement. You will receive the {$500.00} bonus rewards within four to six weeks. ) I waited for 6 weeks and after 6 weeks, I again sent US bank an email. I received the following reply from them on XX/XX/XXXX ( We apologize for the incorrect information given in our previous response. Once the account has qualified for the bonus rewards, it may take up to 10 12 weeks from the end of the offer period to receive the bonus rewards. ) I again waited for 12 weeks and sent them an email regarding the promised offer. I received the following reply on XX/XX/XXXX ( Our records indicate that this account was opened as of XX/XX/XXXX with an offer to receive a {$500.00} cash rewards bonus for each employee account individually for having {$4500.00} in net purchases within 150 days of the account being opened. 
Reviewing your account, neither employee account affiliated with this business met the net spending of {$4500.00} in the first 150 days of the account being opened. Therefore, this business account is not eligible for the {$500.00} bonus. Your account ending in XXXX had net spending of {$2900.00}, which did not meet the spending requirement. 

The main credit card account ends in XXXX and there are two employee cards within the central account. The total amount spent in main credit card account ( XXXX ) was more than {$500.00}. The credit card company is now coming up with an excuse that each card had to spend {$4500.00}. As seen above in their replies and the attached emails, they agreed that I had qualified for the offer. But it was never their intention to deliver the offer. ) First they said 4 to 6 weeks, then they said 10 to 12 weeks and finally they refused. 

The credit card company 's offer was deceptive and deceitful. They wanted me to just keep spending on the credit card until they could refuse the offer. A strict action should be taken against US Bank for willfully misleading the customers and not delivering on their promises. 

Attached is their email chain where they accept that I have qualified for the offer and then rescinding the offer once it came time to deliver. Also, is the account history where it shows that I spent over {$5000.00} in the first 150 days. 

Thank you.