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

I HOPE THIS FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY TRANS UNION, XXXX AND XXXX. 

UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : 1XXXX XXXX 2.XXXX  XXXX XXXX  XXXX 3.XXXX  XX/XX/23 4. XXXX XXXX XX/XX/23 5. XXXX XXXX XX/XX/23 6 XXXX XXXX XX/XX/23 7.XXXX XXXX XXXX 8.XXXX XXXX XX/XX/23 9 XXXX XXXX XXXX XX/XX/23 10.XXXX XXXX XX/XX/23. 

I UNDERSTAND THAT TRANS UNION, XXXX AND XXXX TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT ALL PARTIES INVOLVED.

ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT XXXX, TRANSUNION AND XXXX CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT THE CREDIT AGENCIES PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR XXXX, XXXX AND TRANS UNIONS COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES.
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 confidential under 15 USC 1681. 

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, 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, credit repair services, or other personal consumer reports

I SENT IN MY DISPUTES SEVERAL MONTHS AGO AND STILL HAVEN'T HEARD BACK FROM THE CREDIT BUREAUS.
Product: Credit card

I was approved for a BestBuy storecard and my card was compromised when my identity was stolen. I submitted a fraud claim for the charges on my BestBuy card and according to BestBuy they have completed the fraud claim but I have not received a replacement card. It has been several months since they have completed the fraud claim but as of today I still was not issued a replacement card.
Product: Credit card or prepaid card

I knew I would be having a statement coming at some point, but had not received a statement in the mail, email correspondence, automated messages, or anything. I tried to log in online to create my account but was unable to do that since I did not know my account number, so I figured I would wait until I received my first statement to set up automatic payments. 

Unfortunately, I just got a message through XXXX XXXX monitoring that I had a late payment. That was first I had heard at all about this. So I called Synchrony Bank on XX/XX/20, got my account number from them, and paid the account IN FULL the same day, on XX/XX/20. I expressed my displeasure over this with the customer service representative and he advised me to write the FCRA. I had received no communication regarding payment address, amount, account number, billing dates, etc. 

The account number is XXXX with Synchrony Bank. 

I feel this missed payment should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I opened up the account with XXXX XXXX as I wanted to switch over from XXXX 

On XXXX XXXX I went back to XXXX stall inside XXXX where I originally bought the service and phone, and I returned everything to them and had receipts given to me I was told everything is done and taken care of until I pulled up my report on XXXX XXXX and found out that it is still reporting as negative on account with balance of XXXX XXXX 

I spoke to XXXX and submitted my receipts as proof of return and they removed some amount from the {$1600.00} and left {$180.00} on account saying I need to pay this as this is out of return period. I explained them it wasnt my fault as I didnt return the equipment and didnt use your service for a single day so why should I pay for it. 

To which they are denying to remove this charge and negative remarks from my report and I need to buy house and this is creating the issue for me I need help in getting this resolved as I am Not at fault Any help will be appreciated
Product: Credit reporting or other personal consumer reports

XX/XX/2023 and XXXX XXXX XXXX 

I have called and sent email them but nobody answers,
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : XXXX XXXX XXXX. 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit card

I submitted complaint to AMEX through CFPB ( case number XXXX ). American Express denies attempting to solicit a payment through assurances of card reinstatement. I would like AMEX to reopen my account as I was assured on the phone of this resolution ( over XXXX was paid to the account as I promised ). 

I, the consumer, honored my word to pay. Amex ( a reputable company ) should do the same ; especially when dealing with XXXX XXXX service members who risk their lives to ensure these companies can even exist.
Product: Debt collection

I received a notification from XXXX XXXX that CACI has place two Items on my credit report from XXXX XXXX. I don't owe any balance from XXXX XXXX. 

CACI has been calling me non-stop at all times of the day, before XXXX and after XXXX. they are using false or misleading information in an effort to collect a debt and attempting to collect debts I do not owed. They said that if I dont response, they are going to take legal action. 

I do not know what to do. I feel like my rights are being violated. for this reason I am reaching out to you.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to follow up on my complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Checking or savings account

I had 2 checks stolen from the United States Post Office. Check XXXX was meant for the XXXX Treasury but was white washed and deposited at a XXXX bank to XXXX XXXX. The check had a forged signature, comma in the wrong place, a date for over a year ago, and the institution put no identifying marks on the back when deposited. 

Check XXXX was for the PA dept of Revenue and was white washed to a XXXX XXXX deposited at a XXXX XXXX location. 

Check XXXX was white washed again and made out to XXXX XXXX and deposited at a XXXX XXXX. 

I have notified the local police, FBI and XXXX. There is a special agent from the XXXX XXXX office assigned to the case ( XXXX ). He has asked for records and surveillance footage from these banks but they have not yet replied. 

PNC bank which is my financial institution has handled this horribly. They keep trying to close out the fraud claim on my account so law enforcement cant reference it. I asked for the account to be closed as soon as I found this happened but they allowed another two checks to be cashed from this account and never cancelled the debit card associated with the account. They then proceeded to sent me MORE checks for that account in the MAIL which is how this happened to begin with. They wont let me just talk to one person about this in the fraud department. They make me call the main hotline and I talk to a different person every time. Theyre also costing me money to prove the fraud- they keep sending me pages to fill out that need notarized and sent to another institution that is in Kentucky. Its impossible to find notary services at most branches and each signature costs XXXX then another XXXX to mail them images they should already have because I had to request them in the first place bc they are not on my e-statements. I think they are just dragging their feet and hoping that I drop the issue. 
Also, every banker that I have talked to has said there is absolutely no way these checks should have cleared. PNC is taking no responsibility and doesnt seem to be leaning into these other institutions for answers. Theyre going to be having more claims coming because according to the special agent, thousands of checks were found in criminals homes in XXXX and they are selling the info on the dark web.
Product: Debt collection

Paramount Recovery has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX  XXXX XXXX. I have never been to that medical facility. I have contacted this company 3 times and they have yet to respond. Please remove this erroneous collection immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Regarding complaint case # XXXX, I want to add that as part of resolution I want my credit reports at XXXX, XXXX, and XXXX to reflect the fact I did not pay Citi Bank AT & T Universal credit card bill late. I also want the complaint published.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Credit Acceptance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

Applied to upgrade my American Express XXXX credit card to the XXXX XXXX. I only applied because there was a welcome offer on my XXXX homepage that said I could get XXXX bonus miles. When I received the card and inquired about the threshold for spending/timeframe needed for the offer, they claim that there's no record of me being eligible for the XXXX bonus mile offer and they can only give me XXXX miles and XXXX MQMs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my Cheksystems and XXXX XXXX report consistently for almost six months now and I haven't received any progress or response from them throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any true progress from them on my XXXX account and it's frustrating because I can't make progress towards my goals with this in the way. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writting thid due to non-comliance with the CRA [ EQUIFAX ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XXXX my husband and I were at the SteinMart in XXXX, TN. and the cashier asked if we would like to open a credit card to get discount -- I said yes, the cashier said it did not go through and a supv tried something else to no avail, so we paid with our Debit Card. Fast forward to XXXX XXXX and we get a collection letter about the charge off on XXXX XXXX, XXXX ... prin {$220.00}, int $ $ XXXX {$390.00}. We disputed it and they researched then yesterday, XXXX XXXX, XXXX, sent " our stmts as proof '' ... problem is the address was wrong ( bad : ONLY XXXX XXXX ) ... we never rec 'd a credit card, any stmts, or any collection calls ( that left a VM ). We just spent 1.5 hrs being transferred from dept to dept in both SteinMart and Synchrony bank -- ALL had bad attitudes and were just trying to collect a " bad debt '', or even said we had to deal with XXXX XXXX since it was charged off. XXXX do n't want to hear it either ... .so frustrating!!!!! We have our bank stmt that shows the transactions were paid by our debit card -- not charged which I have attached. I do n't know if fraud or huge mistake, but I do no we did not charge anything and did not know we even had a credit line until saw it on a stmt that XXXX sent. I hope you can help resolve this and get ANY negative ratings removed from the credit report, which must be horrendously bad ( lates and charge-off ) ..Thank You for any assist.
Product: Debt or credit management

Someone used my identity to inquire XXXX different times using my credit for XXXX cars and XXXX apartment. Fortunately I was not approved for the XXXX different cars these perps tried to inquire about in my name. The XXXX company is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry I personally called every company to dispute the inquiry on my account and to also make them aware of what was occuring on the behalf of their establishment. Beyond tired of being an victim of Identity Theft. It's just tiring
Product: Debt collection

This debtors is trying to collect on a debt that was included in a bankruptcy filed XXXX years ago for a ticket issue for a house waste removable amount that I no longer own. The debtors got an illegal judgement that I never received any communication regarding a threat of wage garnishment. The debtors got my bank account information illegal without my consent and took money out of XXXX of my bank using false wage garnishment paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXXNOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXXNOT MINE, XXXX XXXX XXXXNOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, ACCOUNTS : XXXX XXXX XXXX XXXX-NOT MINE, XXXX CREDITOR XXXX -NOT MINE, XXXX XXXX XXXX XXXXXXXX -NOT MINE, XXXX XXXX  XXXX XXXX XXXXNOT MINE, XXXX XXXX   XXXXNOT MINE, XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX XXXXNOT MINE, XXXX XXXX XXXXNOT MINE, XXXXNOT MINE, XXXX   XXXXNOT MINE, XXXX XXXXNOT MINE, XXXX XXXXNOT MINE,
Product: Credit reporting or other personal consumer reports

I recently asked that the fraudulent XXXX be permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

The student loan was from 2004, its been 20years now and the U.S. Department of education is still reporting the loan to my credit. I've never reached out to anyone and the U.S. dept. of education claims I've agreed to repay with an installment plan. That is completely false because I have had no contact with them whatsoever. They have provided false information, please advise on how to resolve. I recently contacted XXXX and there investigation report did not resolve the issue.
Product: Credit reporting or other personal consumer reports

l regarding a list of inaccurate closed accounts here is the list XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX