23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$5100.00} StatusOpen. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$500.00} StatusCollection account. {$500.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Bank account or service

Each month Union Bank takes the transactions out of sequence on my checking account, which makes the account go into overdraft and then by adding late fees so that the balance is always negative and charging {$33.00} per overdraft, follow by XXXX per day for late fees per item. I feel they do this to collect extra fees that they are not entitle to receive. In addition, when you address the situation, they will only give you a partial refund of your money, and keep the late fees on account that should not have been there due to their mistake in the first place. I print a bank statement almost everyday, and always keep a copy of every receipt noted with the date and time, on several occasion they have done this, and the clerk will state that its your fault for not maintaining your account improperly. Sometime I just pull all the money out, so that they have nothing to lie about. Each time that have charge me as high as {$160.00} to {$390.00} dollars. and there excuse is that it takes a few days to receive a electronic transaction. I work in retail over the last several years, and most transactions takes no longer than 3 minutes to debit any account. I think its time someone looks into this matters, because it might be a lot of people suffering in silence because they may be too embarrass to say this is wrong,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card has been reporting payments from XX/XX/XXXX to XX/XX/XXXX. 1st they said my missed payments were XXXX and XXXX and then when I prove them wrong by showing that my bank statement and now they changed it to XX/XX/XXXX saying I was late sent them proof of my bank statement showing that I did pay I didn't make a payment. I've disputed it probably about 20 times in the writing and every time they come back saying that I missed the payments when I didn't. My bank statement is not lying, I have a 98 % payment history so the only two that's preventing me from 100 % are these miscellaneous payments that I know I did not mess because I have the bank statements to prove it. I have been trying so hard to build my credit, and they keep holding me back as well as a collection agency that keeps opening and closing and I know I don't owe them a dime because I paid it off in XXXX beginning of XXXX. I can't get them to fix issue. I've emailed them and disputed the late payment, and even though I sent bank XX/XX/XXXX to XX/XX/XXXX they refuse to change it they just switch months and say I was late different months when I would be off on one credit report it says XXXX and XXXX the other one it says XXXX and XX/XX/XXXX it's already been over two years and they still continued to say I was late, but I know I was not Im over it my credit score finally was up to XXXX and because I use the fee was my credit cards my credit score went down drastically to XXXX and XXXX and even though I have paid off most of the balances already a week later, they decided to lower my score anyway and it's really getting ridiculous because they drop it so dramatically and it's taken me two years to get to XXXX and now I'm back at the bottom again
Product: Credit card

My Citi bank credit cards were locked after I made a large purchase. When I called customer service they said to wait for a letter 7-10 days. That's when I was notified all my credit cards were now permanently closed down. When I logged into my account, my XXXX ThankYou points were removed and forfeited, valued at {$2300.00}. They told me this can not be reversed. I also just paid a {$95.00} annual fee 1 week prior. I tried to resolve on phone. They keep transferring me to different department and ultimately the line is so muffled from multiple transfers nothing is resolved.
Product: Debt collection

Cavalry SPY I LLC has been reporting a debt on my credit for a while now. I have disputed it on numerous occasions, and they claim it is accurate, but they have not sent me the actual validation I requested. I then filed another dispute requesting it again on numerous platforms and in writing. The only thing I received from Cavalry was a summons to go to court simply because I had been asking for debt validation. Not even in the court documents do they provide me with any full account number, or original creditor, Or the statements sent are from XXXX for a previous address I have not lived in during that time and my name was part of numerous data breaches of which dating back to the first XXXX data breach in XXXX. I have also frozen my credit because of fraudulent activities.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach and identity theft. 
Unauthorized accounts and inquiries have appeared on my credit report, which I did not open or authorize. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$770.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$5700.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Debt collection

Please review my credit report. I noticed the creditors are not cooperating with my request to remove inaccurate accounts on my credit.
Product: Mortgage

On XX/XX/2018 with Quicken loan via the chat option. In order to get a simple rate quote the person at Quicken loans insisted that I provide a lot of personal information such as date of birth, social security number and so on. What they really wanted to do was to take an application and get me roped in. The other mortgage companies that I spoke with did not need this information. The other companies just needed to know cash out refi, FHA loan, 85 % LTV and my credit score. I had to ask more than once for him to give me his NMLS number. I have saved the chat log and can provide.
Product: Credit reporting

XXXX is XXXX of XXXX accounts that reports perfect payment history on my equifax report but yet reflects as a charged off account in the comments remarks section on my report. How can a account be charged off but yet has a perfect payment history. This is inacurate false and misleading and has cause my overall credit file not reflect my true character.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an alleged incorrect credit report information but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of incorrect credit information and I submit to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an alleged incorrect credit information. These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which 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 : XXXX XXXX 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 found out XXXX was merging with credit karma. To transfer my XXXX  information, i needed to create a Credit Karma account. I tried to do that only to discover an account was already created using my personal information. I reported this to credit karma and requested them to deactivate my account but they haven't yet done so.
Product: Credit card

I bought furniture at XXXX furniture that was delivered XXXX 2016 and was given 12 months zero interest. When I received the statement this month it has interest charges on it six months early.. I have my receipt showing that I was given 12 months zero interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( Transunion, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX   ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXXSATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. 

IN ADDITION, XXXX XXXX XXXX, XXXX XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, XXXX-Saturday ). 

THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ) AND XXXX. TRANSUNION IS REPORTING A CREDIT SCORE OF XXXX. 

This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} XXXX XXXX XXXX. 

Sincerely and Respectfully, XXXX XXXX XXXX
Product: Debt collection

My wallet was stolen 10 years ago, I have no knowledge of these accounts. This has been on my report past 7 years
Product: Checking or savings account

My account at Robinhood has been restricted for XXXX weeks now. I'm unable to withdraw money or access my IRA. It is almost impossible to make contact with the company. XXXX requires you to request a call back from their customer service. It takes XXXX days to get a call back from someone. If you don't answer the call, they leave a message indiacating you should call again and reference a case number they provide. However, even when calling back within XXXX minutes, an automated system stattes the case number has already been closed and you must request another call back from customer service. In the last XXXX weeks, I've only manged to actually speak to someone on XXXX occasion. I have provided every document they requested ( XXXX document I've provided XXXX times ), and have answered numberous questions to try and resolve the issue. However, the restriction never gets resolved and the whole process starts over with me requesting a customer service call and waiting XXXX days and hoping I'm available to take the call. It is a circular process with no real customer service and seemingly no wa to resolve the account restriction.
Product: Debt collection

I keep telling Experian that XXXX XXXXXXXX XXXX that was opening on XX/XX/2017 isnt my account I never gave them permission to open account in my name I disputed multiple times and they still havent done nothing with this account as far as deleted it off my credit report. They always sold my information without my consent, so this is no longer my account
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In addition to the inaccuracies previously outlined, I am also disputing the erroneous reporting of the XXXX account on my credit report, which further violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Please review the following violations and update the records as required. This letter serves as an official demand for correction ; failure to act on these requests will result in escalated actions, including potential legal proceedings. 
XXXX Account ( Account Number : XXXX ) Duplicated High Credit and Credit Limit Values XXXX Equifax reports both " High Credit '' and " Credit Limit '' as {$3500.00}. This duplication is misleading and fails to comply with Metro 2 guidelines, which mandate accurate and distinct values in each field. Please correct or substantiate this data. 
Inconsistent Terms ( Months ) : Equifax incorrectly reports " XXXX '' months for the account term. For revolving credit accounts, " Terms '' should either be left blank or reflect the revolving nature. 
Please correct this field in accordance with Metro 2 standards. 
Conflicting Last Payment Dates : XXXX reports the " Date of Last Payment '' as XX/XX/year>, while Equifax and XXXX state XX/XX/year>. I request immediate verification and standardization of this date to meet compliance guidelines. 
Discrepancy in Last Reported Date : Different reporting dates appear for the same account XXXX ( XX/XX/year> ), Equifax ( XX/XX/year> ), and XXXX ( XX/XX/year> ). This lack of synchronization indicates negligence in maintaining accurate data. 
Inconsistent Comments Section : Each bureaus comments vary, showing : XXXX XXXX : " Account Was In Dispute - Now Resolved - Reported By Subscriber. '' XXXX  Equifax : " Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : " Dispute Resolved ; Reported By Grantor. '' These discrepancies suggest that the bureaus are not uniformly updating records, violating the FCRAs requirement for accurate, complete, and verifiable data across all platforms.
Product: Vehicle loan or lease

I have been trying to link my non Wells Fargo account with Wells Fargo through the online bill paying system. I missed the first attempt due to buying a home and missing the deadline. So I called had my account restored and tried again on Sunday XX/XX/2022. What they are doing is making two small deposits into your non Wells Fargo account and then taking the money back. You then go to their site to put in the amounts and date and it links your non Wells Fargo account to their website so that you can continue to pay. They unlocked my personal bank account so that I could try a second time. Yesterday XX/XX/2022 at around noon they made the two deposits of {$.00} and {$.00}. I did not check because I had other things to do. I checked today to find that those deposits had been done but my personal bank account was suspended again at XXXX today XX/XX/2022 less than XXXX hours after the deposits. 
I then called the number XXXX which is on the email they sent saying it was suspended. When I called I was informed that my bank account number was wrong even though I have paid them from it for the last two years and that the bank account was deleted from their system. This makes no sense as I again have been paying with this account for 2 years. I asked for a supervisor and was told that they could see that it was deleted I asked by who and could not get an answer. I still have Wells Fargo 's {$.00} in my account. Lucky for me I am well ahead of my payments but can only imagine that the people who are not will have to go through this and pay late fees that Wells Fargo is essentially creating by not having a working system. If I had missed a payment my credit score would be hit and I would have to pay more money to them. They have continuously showed that they will do whatever it takes to make more and more money and pay the fine that is essentially the cost of doing business. Something needs to be done for those that have inevitably been hurt by this which I can guarantee will be low income families and people of XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal items from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXXXXXX for the account number XXXX. The late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ago XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), XXXX are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted Carmaxx during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. Carmax has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

my address is listed wrong on XXXX XXXX and also Department of Education Nelnet. I have multiple address on my credit reports. The only address that should be on my credit reports is XXXX XXXX XXXX. XXXX XXXX  XXXX. Please advise or fix this issue once it is received
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : According to FCRA XXXX XXXX, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX