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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged an overdraft fee of {XXXX} on XX/XX/XXXX for an XX/XX/XXXX PENDING transaction. Called bank and waited 30 min, did not get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 

Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( XXXX, XXXX, and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.
Product: Debt collection

I am trying to dispute a debt that is owed that does not exist. I have tried to contact the company but havent been able to contact them via email. I received XXXX on XX/XX/2022 and received a bill from XXXX XXXX  that I subsequently paid on XX/XX/2022. They also do not have an email I can communicate with them through, they will only provide one if I agree to their terms of service which I do not agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Transunion 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 an account without written instructions. 

The following items are violations : Transunion XXXX XXXX XXXX Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported comments, date last active, date of last payment Transunion XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Account #, account type, account type-detail, bureau code, account status, date opened, balance, high credit, payment status, last reported comments
Product: Payday loan, title loan, personal loan, or advance loan

was XXXX hard inquiries i did not authorize i sent letters to both bureaus and credit companys not no rely
Product: Debt collection

They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. 

I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. 

I have asked them to stop calling and the above info XXXX separate times. 

They call from multiple unidentified numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX Balance : {$12000.00} DPT EDXXXX XXXX Balance : {$10000.00} DPT EDXXXX XXXXXXXX Balance : {$470.00} DPT EDXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$880.00}
Product: Credit card or prepaid card

CapitalOne dispute Case Number : XXXX from : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX I have an order ( # XXXX ) for a XXXX XXXX XXXX XXXX  Chair from the XXXX, The delivery carrier is XXXX  and tracking number is:XXXX XX/XX/2021 I reported package arrived damaged to the merchandise at XXXX same day immediately ( pls refer evidence by email copy ) When we got this package and found damages.and I also requested FULLREFUND and RETURN LABLE. 

I sent out the photos of damaged items and shipping carton & lables to them by their request. 

XX/XX/2021 XXXX After many of call and email correspondence their customer support member XXXX offer me {$100.00} discount for the defects and damages, and I DECLINED their offer, because the order doesnt mach the new condition which I received. 



XX/XX/2021 XXXX Their team member XXXX tried to replace one part without my consent.I send email to decline their resolution. 

in the same day I dispute the charge to Capitalone. 

XX/XX/2021 XXXX They agree to issue a Full Refund.their supervisor XXXX XXXX contact me and sent me a email confirmation. 
But I need to help them to donate this package to donation center XX/XX/2021 XXXX I have completed the donation, and approved the receipt and photos. 
I HAVE NO LONGER POSSESSED THIS ORDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting bankruptcy as of XXXX XXXX on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated for 5 years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in prison I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX/XXXX- Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX/XXXX   XXXX  opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX/XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -openedXX/XX/XXXX( 3 mos ) amont {$690.00} 5 ) XXXX
Product: Credit reporting

I have a ton of inquiries on my credit report from 2015, but did not apply for credit through these companies. I am recently separated and it was discovered that my ex was applying for credit in my name
Product: Debt collection

I sent a debt validation letter to Allied Collection Services requesting they send me proper documentation to myself such as a copy of the original contract with my wet signature, documentation proving they have the legal authority to collect on this alleged debt. They received my letter on XX/XX/2019 via tracking info & was confirmed with account specialist XXXX on XX/XX/2019 XXXX. 

In my letter I unequivocally asked Allied Collection Services to cease collections/reporting until such account was validated which they did not. 

XXXX XXXX ( supervisor/legal ) stated on a recorded call ; that the account was not going to be removed as it was " allegedly validated '' on XX/XX/2019. 

My validation letter dated XX/XX/19 was a rebuttal for Allied Collections to send me physical proof meaning documentation and not just verifying an address or name. 

As of XX/XX/2019, I have received no response/correspondence to my validation letter that was received by them on XX/XX/2019. I then spoke to account specialist XXXX who confirmed no other documentation was sent out following my XX/XX/19 rebuttal validation letter. 

This is a clear violation of the Fair Debt Collection Practices Act. ( section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ) ( section 609 states that they are required to send me the paperwork associated with this account. )
Product: Credit card

Hi, I hold the Citi XXXX Credit Card. As per the card features stated on the company 's website I am supposed to XXXX 5 XXXX loyalty points for every XXXX that I will spend on airline tickets directly with the airline. I spend XXXX ( as XXXX separate transactions of XXXX XXXX and XXXX XXXX ) on buying air tickets with a XXXX based airline called XXXX directly through their website. Citi is refusing to credit me the required points for this transaction at a rate of XXXX points per XXXX spent and is instead awarding me only XXXX points per XXXX spent. When I inquired they are saying that the airline has not classified its business under the correct airline code so they can not give me any bonus points even though they know that the spent was done at an airline. This is really unfair because I as a consumer can never know which business has classified themselves as an airline or otherwise. All I know is that I am spending the money at an airline and I should be rewarded XXXX bonus points for the spent done with them in line with the promise that Citi made to be at the time of selling the product to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> TransUnion Consumer Solutions XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : XXXX XXXX Account # : XXXX Reported Balance : {$0.00} XXXX Account # : XXXX Reported Balance : {$1200.00} XXXX  Account XXXX : XXXX Reported Balance : {$1800.00} XXXX Account XXXX : XXXX Reported Balance : {$95.00} XXXX Account # : XXXX Reported Balance : {$4100.00} XXXX  Account # : XXXX Reported Balance : {$2000.00} I have attached supporting documentation to assist with your investigation. 

I request that TransUnion : Conduct a thorough investigation into these matters. 
Correct or delete the inaccurate information as appropriate. 
Provide me with a copy of the updated credit report reflecting these changes. 
Please note that FCRA requires you to resolve this dispute within 30 days. If additional documentation is needed, please contact me immediately at the address above. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXX All Rights Reserved Without Prejudice
Product: Student loan

I sent a {$9000.00} check to Ed financial to pay towards a student loan and it was cashed on XX/XX/23, Ed financial has an entry in the system under my loan on XX/XX/XXXX for XXXX dollars. I have called three times and talked to people who can barely even tell me whats going on with the account. So I sent the letter that is attached below to Ed financial two weeks ago and I havent heard anything. My account # XXXX, my name is XXXX XXXX. All other details are in the letter below. Please feel free to call me at ( XXXX ) XXXX for more details. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After the third time trying to fix my mortgage account with Chase I have given up and need your help. I have a mortgage account that I have been paying on for 19 years that is not being shown as an open account. It is current and has been for many years but I get no credit from the credit reporting agencies because it is being reported as closed. My credit scores are being affected greatly because of this situation. It states on my credit reports that the lack of a mortgage account and a installment account is holding down my scores. All I would like Chase to do is report this account accurately to all three bureaus. I opened this account XX/XX/2004 and just made another on time payment.
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 confidentiality under 15 USC 1681. 

Account Name : AXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 Any other adverse item 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I placed an order for a XXXX product using XXXX. However, I was charged for two separate purchases, even though I only made one order. I contacted XXXX, and they confirmed that there is only one purchase in their system. I have tried multiple times to contact XXXX regarding the duplicate charge, but I only receive automated responses and no resolution. XXXX does not provide a phone number, making it impossible to reach their support directly. 

Additionally, I requested XXXX to provide me with the XXXX order number associated with the second charge, but they ignored my request. In the meantime, I keep getting charged fees for both transactions, and multiple payments have been taken from my account for an order I did not make. This has caused financial stress and unnecessary frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending out multiple letters to the credit reporting agencies and then calling to follow up with my XXXX report sent to EQUIFAX with all the required documentation, EQUIFAX has continued to violate my rights as a consumer, per 15 USC 1681c - 2 ( a ) The CRA is REQUIRED to block any of the information on the report and or file of the consumer if the consumer identified the information as a result of an alleged identity theft within 4 business days after the receipt of the identity theft report and required accompanied documents. Every single time I have called to follow up the person tells me they can not remove the accounts even after stating my federally protected rights to them. They send me on a wild goose chase connecting me to supervisor after supervisor who says the same thing as the previous. EQUIAFAX has also violated 15 USC 1681b ( a ) ( 2 ) ALL CRA 's need your written instruction/permission to furnish anything on your consumer credit report. Which I have not given and they continue to argue against the law and report these fraudulent accounts on my credit report and file due to the CRA 's lack of professionalism and honesty in reporting. My rights are being violated and this needs to stop immediately!
Product: Credit reporting or other personal consumer reports

XXXX ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a XXXX late payment for XXXX. 
* Equifax inaccurately reports a XXXX late payment for XXXX. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least XXXX  days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a collection on my credit for {$1400.00} that had not been made by me, it was opened XXXX, XXXX, 2022 I have no knowledge of this I have not gone to XXXX XXXX XXXX XXXXXXXX, Ive never even heard of the place.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX 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 any 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 Any other adverse item 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 of the person knows or has reasonable cause to believe that the information is inaccurate.