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

I paid to terminate my lease in XXXX XXXX apartments in XX/XX/2015. My utilities and rent were prorated and paid for as well. Upon correctly terminating my lease, I had my apartment inspected, prior to leaving, and was able to get my deposit back. I am now being charged {$1900.00} for " damages ''. I have spoken with two different angents at the Ideal Collection service, and both of their claims differ as to why {$1900.00} worth of damages accrued. Also, the property listed my reason for moving out was because I owned a pet. I never had a pet and moved out on my own accord. Adding on, I did not live in this unit for two years and should not be charged for a 2 year carpet replacement. Overall, I do not understand how I am being charged for damages when the property personally paid me my security deposit upon after walking through and verifying that my apartment was in good condition. I have been trying contact the XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the real estate company that XXXX XXXX was under, but have been unsuccessful because XXXX XXXX no longer exists and XXXX has false contact information. Because of the various mistakes, I have already disputed this charge. I have also done my research on this leasing agency and have found reports of falsified claim of charges and wrongfully sending charges to collections with others that have leased with them.
Product: Debt collection

I respectfully call for your adherence to the Fair Credit Reporting Act ( FCRA ), a critical legal framework designed to safeguard the rights of American consumers concerning credit bureaus. In light of this regulatory context, I kindly request Equifax to take the necessary steps to omit the following account details from my credit report : 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 I emphasize that the inquiry associated with this entity was not initiated by me. In accordance with the FCRA, which places substantial importance on the accurate and equitable representation of individuals ' credit histories, I implore your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the realm of credit reporting is greatly appreciated. I look forward to your timely response and the corrective measures needed to address this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries due to me being a victim of identity theft through the XXXX XXXX data breach. XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed. 
Summary of Errors and Discrepancies : Late Payments Reported Incorrectly : Late payments were inaccurately reported for my XXXX XXXX XXXXXXXX account, despite timely payments being made. 
Failure to Verify Information : Experian failed to properly investigate and verify the accuracy of the reported information as mandated by 15 U.S. Code 1681i.

Discrepancies Across Bureaus : The payment history and account details vary significantly between credit bureaus, indicating a lack of consistency and accuracy in the information being reported.

Violation of Notification Requirements : As per 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. There is no evidence that such statements were provided for the periods in question.

Harm to Creditworthiness : These errors have caused undue harm to my credit score and overall creditworthiness.

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction.

Failure to address this issue promptly will result in escalation, including filing additional complaints with relevant agencies and pursuing legal action if necessary. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This inquiry was and never has been authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX  XXXX Dear Credit Bureau, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX, NC, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXTo support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Student loan

Company applied wrong XXXX plan. Reapplied through dept of Ed for XXXX plan. On XX/XX/XXXX, company said they would respond by email in 10 days. No response. Have filled out XXXX email forms no response. They keep charging interest. Wait time every day over an hour for phone service.
Product: Credit card or prepaid card

This will be my third case made with the CFPB regarding the same matter. It's regarding a cashed balance transfer check by an unknown person with an account involving XXXX XXXX. This will also be my second time filing a complaint with Capital One. This matter has been ongoing for almost six months. Every time I've dealt with Capital One, I've been given the run around only to be told it's another institutions problem. Both XXXX XXXX, and XXXX have concluded that Capital One needs to be the party to handle this investigation, because they issued the check. I am currently paying interest on my Capital One Credit card account for an amount of {$3400.00}, that I did not charge myself. It has affected my credit and not to mention the anxiety and frustration I have felt for six months. I feel like Capital One is not taking accountability, and not doing everything possible to see this matter through. An unknown source cashed a check and received the amount of XXXX, and I am paying the price for it. It is fraud or theft and no one is taking it seriously. I want this matter resolved once and for all, or my next step will be to seek legal action.
Product: Credit card or prepaid card

U.S. Bank has a policy of using its secured credit cards to defraud consumers, having no procedure in place for periodically reviewing secured credit cards to determine if they are eligible for upgrades to unsecured credit cards and also failing to commit to the credit limits of secured credit cards once they are upgraded to unsecured cards. When I applied for a {$3000.00} secured credit card with U.S. Bank last Summer and was informed that there was no procedure in place for periodically reviewing secured credit cards to determine their eligible for upgrades to unsecured credit card, I had a vague suspicion at the time that this was a means for U.S. Bank to defraud consumers by using their secured funds to accrue interest for as long as possible at their expense. 

This suspicion was confirmed when I was issued a refund check the following Summer in response to my request to upgrade to an unsecured credit card and saw that I was to issued on XXXX cents in interest on the {$3000.00} balance that had been held by U.S. Bank for more than a year. Moreover, U.S. Bank decreased the credit limit from {$3000.00} to {$500.00} the month after it was issued, speciously claiming that it was done because of inactivity on the newly issued card.
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXXXXXX XXXX XXXX XXXXXXXX : in The XXXX XXXX XXXX XXXX. I am asking for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX {$6700.00} XXXX - See Attached Criminal Reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan for a vehicle that i have never had along with an address that i have never resided in.The amount for the vehicle was around {$18000.00} and the amount that it says is delinquent is around {$9800.00} The lender is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I made an online request regarding a personal from OneMain Financial for {$10000.00}. There was not supposed to be a a hard pull inquiry on my credit report unless I accepted the terms and conditions of the pre-approval, yet they did a hard pull instead of soft pull which would affect my credit report negatively. I did not authorize a hard pull inquiry and their email also stated that " checking for loan offer did not affect my credit score. See copy of email below. 

OneMain logo XX/XX/2024 Dear XXXX XXXX : Many online loan sites send us loan offer requests from consumers. One of these sites passed us your request from your search on XX/XX/2024. Important : Checking for loan offers did not affect your credit score.

We understand how important it may be to get the funds you are looking for. At this time, however, we are unable to provide an offer to you. Below are the specific reason ( s ) we are unable to provide you an offer : Insufficient recent bank/national revolving info.

Number of revolving accounts Payment on accounts
Product: Mortgage

Chase XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/XXXX, we sent an authorization to Chase in order to begin the process of a short sale. Both borrowers were XXXX, however there is a Successor Trustee, XXXX XXXX XXXX, named on title and duly recorded. XXXX XXXX signed the authorization for us to speak on the account, and we submitted the authorization, the Recorded Affidavit of XXXX of Trustee ( borrower XXXX XXXX ), and a copy of the XXXX Certificate for XXXX XXXX. ( ( Prior to all of this, XXXX called Chase to see what their options were regarding this property and was told that she may surrender the property to Chase. Chase sent her surrender documents and told her to take them to the county to record it. She did not do that, as she felt there was a more appropriate way to handle the disposition of the property. -- - This shows that Chase did acknowledge XXXX XXXX as the authorized third party otherwise how could they give her the ability to legally surrender the property? ) ) On XX/XX/XXXX, we contacted Chase and were told that XXXX XXXX was not authorized on the account and therefore could not authorize us. ( Chase claims someone else is authorized - the other daughter ) I pointed out that we faxed, along with the authorization, the Affidavit of XXXX naming her ( XXXX ) as Successor Trustee, and the Affidavit of XXXX of Trustee ( Borrower XXXX XXXX ). The rep acknowledged receipt of those documents however still refused to discuss anything with me, or transfer me to a supervisor to discuss it further. Chase has taken it upon themselves to authorize someone else on this account, who is NOT the Successor Trustee, and therefore has no legal authority to speak on the file.
Additionally, Chase has taken it upon themselves to DENY the Successor Trustee the authority to speak on the account, or to liquidate it as she sees fit. *****CHASE DOES NOT GET TO DETERMINE WHO DOES OR DOES NOT HAVE LEGAL AUTHORITY TO SPEAK ON AN ACCOUNT****** Chase CAN NOT have it both ways. Either she ( XXXX ) is authorized and is allowed to receive and record a surrender, or she is not and they violated the law by sending her the surrender document. Chase does not get to decide who the trustee is AND THEY CERTAINLY SHOULD NOT BE TAKING DIRECTION FROM SOMEONE THAT HAS NO LEGAL AUTHORITY TO SPEAK ON THE ACCOUNT. We have attached a copy of the title report, the XXXX borrowers Trust Docs naming XXXX XXXX XXXX as Successor Trustee, the recorded Affidavit of XXXX of Trustee naming XXXX XXXX XXXX as Successor Trustee, the document from the Federal Government ( IRS ) issuing an EIN number and naming XXXX XXXX XXXX as the trustee, and the XXXX Certificates for both borrowers.
Product: Debt collection

Hello, ive been getting phone calls from all different ph # ( recent from XXXX ) but with a call back # of XXXX ext XXXX, previous call back # XXXX. Always a different person to call back but staying they have my dob, ss # in which a law suit will be served on me if if did not respond to make payment by end of business day. Says they are from Hamilton law. In the last message i received today ; " XXXX '' stated she knows my name has changed and spoke my dob and address on the vm.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a mortgage preapproval. 
On XX/XX/XXXX I heard back from the lender that I had a collections account with XXXX XXXX XXXX in excess of {$11000.00}. 
This was the result of a Lease ( New ) I obtained in XXXX, that I later had to voluntarily surrender due to job loss. 
I contacted XXXX XXXX XXXX and spoke with XXXX regarding making a payment, setting up a payment plan, or some other arrangement so that I could obtain a mortgage after having this removed from my credit report or reporting at {$0.00}. 
XXXX informed me he had to email the attorneys and find out if they can take a payment or set up a plan. 
After a weeks time, I called again after not hearing back. XXXX sent a 2nd request to the attorneys. I then asked for the attorneys information so i could contact them directly. 
After several tries, I was able to connect with XXXX XXXX at XXXX XXXX XXXX who informed me they were sending my file back to XXXX XXXX XXXX so they could work with me directly. I then contacted XXXX who informed me is was no longer able to discuss this with me, so I asked for his supervisor/manager, which then put me in touch with XXXX XXXX At XXXX XXXX XXXX. XXXX informed me he escalated my request and should hear back in a few days. I think left XXXX a message a week later, where he informed me my file was being returned to the attorney. Since then I have called and left messages with XXXX XXXX at XXXX XXXX XXXX Daily, asking for her to call me so we can set something up to clear this collection from my credit report. I have not heard back once after 8 plus messages over the past week and a half. 
My credit report was inaccurately updated with the collection initially having a Closed in XXXX Status to now having a Closed in XX/XX/XXXX status. 

I have gone out of my way to work with both XXXX XXXX XXXX and their Attorneys at XXXX Law Firm to either settle this debt for a percentage of what was owed, make monthly payments, or pay it in full if that is what they require and have not had one person give me a solid answer or even be willing to work with me toward a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was a victim of Trans Unions Inquiry Issue and now have inquiries on my report that do not belong, customer service would not take care of it. The following inquiries should be removed. 

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

I consolidated my student loans back in XXXX. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with MOHELA they reported XXXX or XXXX separate loans in addition to my large consolidated loan. They also reported XXXX to XXXX late payments on each XXXX of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past XXXX  years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported XXXX late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is XXXX percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ XXXX, which is now on my credit report twice along with an additional loan amount of roughly $ XXXX which is part of what has already been consolidated. I should only have XXXX consolidated loan in the amount of roughly $ XXXX and all late payments, all XXXX late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized XXXX parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX et seq. 


XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX et seq. 


XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. XXXX ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.