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

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within XXXX business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : XXXX XXXX XXXX XXXX XXXX ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX  ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with Trans union bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is  being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX ( Private SSN : XXXX ( Private XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been fled to request pursuant to FCRA 5 6068 ( 15 U.S.C. 5 1681c-2 ) that you, the XXXX, Equifax, XXXX, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulert, inaccurate, and false information consists of a personal account XXXX XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX account # XXXX hard inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  resulted in several fraudulent hard inquiries i consumer FICO credit report. I've attached a list well as a copy of the consumer FICO credit report maintained by you which show fraudulent Collection & hard inquiries. I do not recognize the account jor hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you. All of the aforementioned accounts, collections. of identity theft and fraud. I have attached a copy of FTC Identity Theft Crimal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and Fraud.
Product: Credit card or prepaid card

Barclay card In the United States will not resolve a dispute I filed. I am entitled to dispute my credit card statement under regulation E in the Graham-leahy act. The credit card company has no way to pragmatically file a dispute. The company is dismissive when you call in for a simple charge dispute. I have called on numerous occasions to dispute a charge and no one has been able to accommodate this request nor directed me how they comply with regulation E.
Product: Credit card

To Whom It May Concern, I am writing to formally report Capital One for unfair financial practices and request your assistance in obtaining a resolution regarding XXXX unjust late fees charged to my account. These fees, each amounting to {$40.00}, were applied for the statement cycles XXXX - XX/XX/XXXX, XXXX - XXXX XXXX, and XXXX - XX/XX/XXXX. 

I have maintained a strong history of timely payments with Capital One. However, due to unforeseen financial hardship, unemployment, and homelessness since XX/XX/XXXX, I have reached out to their customer service department on multiple occasions seeking assistance and reasonable accommodations. Unfortunately, I have been repeatedly denied help without any valid explanation. 

On [ Date of Most Recent Call ], I contacted Capital One at XXXX and spoke with XXXX ( call center representative ), who refused to assist me. He escalated the call to his manager, XXXX, who also denied any resolution. I was then transferred to Capital Ones Specialty Team, which is specifically designated to help customers in financial distress. I spoke with XXXX, who again offered no assistance and refused to provide an explanation. When I requested to speak with her manager, I was transferred to XXXX, who also failed to provide any form of relief or explanation. 

It is unacceptable that a financial institution would advertise financial hardship support yet refuse to offer any meaningful solutions when a customer is facing severe financial distress. Despite my proactive approach in communicating my hardship and my long-standing good payment history, Capital One has unfairly penalized me, making it even more difficult for me to recover financially. 

Request for Resolution : I respectfully request the CFPBs intervention to ensure that Capital One : XXXX. Removes the XXXX late fees ( {$40.00} each ) from my account. 
XXXX. Reviews its financial hardship assistance program to ensure fair and consistent application to customers truly in need. 
XXXX. Provides a clear explanation for the denial of my financial hardship request. 


I appreciate the Consumer Financial Protection Bureaus role in advocating for fair consumer treatment and urge you to take immediate action against Capital Ones unfair practices. Please feel free to contact me at [ your phone number ] or [ your email ] for any further details. 

I recently requested a new credit card and it is coming in the mail. I have not received it as its going to a friend 's house. I will add my previous credit card number to this complaint as it corresponds with this complaint. 
Thank you for your time and assistance. 

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

I, XXXX XXXX, never gave XXXX, XXXX or TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding deletion of the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I contacted TransUnion regarding 7 unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and really being difficult and not cooperating. This inaccurate information they are reporting this hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately. These are the unauthorized inquiries that need to be removed immediately 1. XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX, 3. XXXX XXXX Inquiry from XX/XX/XXXX, 4. XXXX Inquiry from XX/XX/XXXX, 5. XXXX XXXX Inquiry from XX/XX/XXXX, Bank, XXXX Inquiry from XX/XX/XXXX. XXXX Inquiry from XX/XX/XXXX.
Product: Credit card or prepaid card

Lost my credit card and when I tried to access my online banking due to the fact that I got my credit card from my bank called to report it lost/stolen and found out through them that there were fraudulent activities going on I spent 2 weeks trying to get someone from the fraudulent department and never got a call so later on this ween I get a notification from XXXX that my credit card was closed per my request which the consumer lied on me I never requested to closed I've been trying to reach out to them to resolved this matter and no one called receive a bill statement with activities that I never purchased my credit score drop due to the closed account I shouldn't be held responsible for something I having done and now it may remain on my report for the next 7-10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxed Equifax for the 2nd time to remove my extended fraud alert. I also included supporting documents up my state ID and Social Security card, a total of three pages and faxed it to XXXX As of XX/XX/XXXX the extended fraud alert still remains on my CBR. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a free account with Experian. Recently I have decided to delete my account due to several reasons : 1. Data breaches at various services make me feel unsafe to store my data online.

2. Experian service provides incorrect information about my credit scores.

3. Experian has 1 star rating on ConsumerAffairs with tons of complaints.

I have called company 's hotline, but after spending 10 minutes " talking '' with robot, when it discovered that I am a free user, robot said " you are a free user. good bye ''.

I believe that users should be able to verifiably delete account at any financial services. I need to be able to delete my account and data from Experian.
Product: Debt collection

False reporting on my credit report account charged off XXXX written off XXXX i havent rrcieved a 1099 yet
Product: Credit card

I complained to you in XXXX Was told Discover would get in touch They did, they responded when I talked to them i was told to hire a lawyer for the messages and email and calls I made, sent etc I was trying to prove all of the attempts I made to stop the billing It would have been cheaper to hire an attorney Ive begged them for years to stop billing Reoccurring charges on old/closed card numbers They told me to contact the companies I did try to no avail I asked Discover for the last XXXX digits of old cards, they said they couldnt provide it Funny now they give me the numbers in XXXX saying oops they made a mistake I said I didnt want to charge Fraud because my son had had a XXXX XXXX XXXX XXXX  years ago and I didnt want to start anything Id pay but itd help if they just stop the billing He, my son also sold a lot of his things to others Friends, relatives, strangers etc Gaming systems that hold account information I didnt want trouble for anyone I just asked Discover to stop the charges Id pay They said Fraud Its a game that the consumer loses FYI there are pages about this happening to others with Discover on social media I received written correspondence from Discover saying it was for the consumers convenience that they didnt stop the billing on old cards They Only went back to XXXX and sent a letter about fraud Been happening for years prior to XXXX Sometimes I didnt call because it became too much for me mentally It took a lot to call it really did Knowing it was a stupid game with Discover that Id lose Convenient for the consumer? 
I said even when the consumer has begged for multi years??? 

I just asked them to stop billing old cards To please take all my old cards out of the system I was told for years they couldnt They would help after I tried They said the charges would/May start again after a certain amount of time Companies can take the old/closed cards out Discover chooses not to
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act, The list of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX Credit Acceptance # XXXX Child support Enforcement # XXXX. 

15 USC 1681 section 602 A 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$26000.00}, {$26000.00}, {$9400.00}, {$2400.00}, {$17000.00}, {$16000.00}, {$0.00}, {$200.00}, {$8300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- REAL ESTATE LAON 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I wrote to transunion to have some inquiries investigated and removed. I spoke to the company and were told to dispute it with transunion. Transunion never responded to my investigation and it has been almost 60 days this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize American Express credit bureau unit to pull my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX Acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ADD MY PHONE NUMBER TO MY FRAUD ALERT
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an unverified, erroneous account by the name of DPT Treasury with the amount of {$26000.00} on my credit file. From XXXX-present I have disputed this account with the credit bureaus. XXXX and XXXX have deleted this account due to being unable to verify this account. TransUnion, on the other hand, has somehow verified this account. I have asked for Transunions method of verification for this account in all of my disputes and have not received anything. Upon contacting the furnisher of the information, they admitted over the phone that they do not possess a contract or anything that states the above account is mine. The DPT Treasury even states there is nothing that proves the account belongs to me. I inquired about how to debt originated and a specialist with the DPT Treasury, by the name of XXXX XXXX, stated that the State of Texas helped my family fix our home during Hurricane XXXX. I am NOT a homeowner and have never been a homeowner. I even asked for proof of this alleged contract with the State of Texas and was told the DPT Treasury doesnt have it. How is TransUnion verifying this account when XXXX and XXXX, and even the Furnisher couldnt? I have no business relationship with the DPT Treasury. TransUnion nor DPT Treasury has provided me proof. TransUnion is deliberately reporting inaccurate, erroneous items on my credit file. I have already sent this information to my State Representative to try and get this figured out. Going to court is my last resort.
Product: Credit reporting or other personal consumer reports

My account withXXXX XXXX XXXX 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. 

XXXX  XXXX XXXX  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 reporting or other personal consumer reports

XXXX XXXX UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and noticed inconsistencies regarding the account listed below : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$19000.00} This account is inaccurately listed with late payments that I believe to be incorrect. These inaccuracies are unfairly impacting my credit score and my ability to obtain credit. Specifically, I would like to request details about the months marked as late payments to better understand the reporting. 

I request a breakdown of how many days I was late for each month listed as late ( XX/XX/year>, XX/XX/year>, etc. ). 

Additionally, I would like a total count of how many days I was late in total over the life of the account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report ( 15 U.S. Code 1681i ) and to ensure that credit reporting agencies maintain maximum possible accuracy of my file ( 15 U.S. Code 1681e ( b ) ). If the information can not be verified, it must be removed from my report.

This information is critical for my personal record and will help determine the accuracy of the reporting.

Additionally, I believe this situation could also potentially violate the Equal Credit Opportunity Act ( ECOA ) due to the adverse impact on my creditworthiness caused by these inaccuracies.

I request the CFPB investigate this matter thoroughly and ensure the credit reporting agencies comply with all applicable laws. Attached are copies of the relevant credit report entries for your review. 

Thank you for your attention to this matter.