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

this is my complaint for the mesleading accounts, and unauthorize inquiries in my credit reporting to REMOVE. i also attached letters for FTC REPORT, Driver 's License, and proof of address.XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX & XXXX XXXX Balance : {$8800.00} XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring and trying to remedy the affects of ID theft and recent data breach by XXXX  and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue  to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute  investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. XXXX  and XXXX   refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as XXXX, XXXX  and TransUnion continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..
Product: Credit reporting or other personal consumer reports

**Subject : ** Dispute of Unauthorized Credit Inquiries on TransUnion Credit Report I am writing to formally dispute several unauthorized credit inquiries listed on my TransUnion credit report. I believe these inquiries were made without my consent or valid authorization. Below are the details of the inquiries in question : XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXXXXXX XXXX ( Bank ) XX/XX/year> XXXXXXXX XXXX ( Bank ) : XX/XX/year>XXXX XXXX  ( Finance ) XX/XX/year> I did not authorize these entities to access my credit file or submit these inquiries. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries violate my rights as a consumer and negatively impact my credit score.

I kindly request : 1. Immediate investigation into these inquiries.

2. Removal of any unauthorized inquiries from my credit report.

3. A written explanation regarding this matter.

Thank you for your prompt attention to this matter. I look forward to receiving updates and a resolution through the CFPB portal. 
Sincerely, XXXX XXXX Social Security XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report a potential violation of the Fair Credit Reporting Act ( FCRA ) by MACYS/ CITIBANK Specifically, I allege that MACYS/CITIBANK has failed to comply with the following provisions of the FCRA and its regulations : 15 U.S.C. 6802 : This section requires financial institutions to provide consumers with a clear and conspicuous explanation of their right to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have never received such notification from MACYS/CITIBANK.

12 CFR 1016.7 : This regulation reiterates the consumer 's right to opt out of information sharing at any time. I am hereby exercising this right and formally opting out of any further disclosure of my nonpublic personal information to any nonaffiliated third party by MACYS/CITIBANK.

This failure to comply with the FCRA has potentially caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter and take appropriate action to hold MACYS/ CITIBANK accountable for their potential violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Please be advised I have requested validation and " verification '' of 5 items reported by FirstPoint Collections Resources for XXXX XXXX. 

FirstPoint Collections Resources did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I will proceed with legal action as prescribed by law against the above named original account holder and collection agency should these items not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report : 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 XXXX XXXX ( XXXX ) FRAUDULENT INQUIRY : XXXX
Product: Credit reporting or other personal consumer reports

Experian has intentionally created a system where it is impossible to actually speak to someone to get help. I'm unable to get logged into their system, and every phone number and input method I try to get actual assistance from a living breathing human being has been met with the automated system hanging up on me. I had an account that was closed in XXXX ( XXXX XXXX ), their system erroneously generated a charge on that account of {$1.00}, I was never notified ( and no one can give me any detail as to why I was charged this XXXX at XXXX XXXX XXXX and I took a XXXXpoint hit on my credit score because of it. So now I've spent hours trying to get it resolved, and Experian has made it impossible to get help. Please close that pile of garbage reporting agency down, and maybe fine their leadership hundreds of millions of dollars for data breaches and intentional practices to frustrate and fail the populas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX American Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to remove XXXXXXXX XXXX and trust of my credit report. This has caused me to decrease in points.
Product: Debt collection

Please I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me. 
remove and block the inaccurate accounts being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED SEVERAL DISPUTES AND SUBMITTED ALL OF MY PAPERWORK WITH REGARD TO THE IDENTITY THEFT THAT HAS OCCURRED ON MY CREDIT FILES. XXXX AND XXXX HAVE COMPLIED BUT EQUIFAX KEEPS GIVING ME EXCUSE AFTER EXCUSE. FIRST THEY SAID THE PAPERWORK WASN'T SIGNED, WHEN IT WAS INDEED SIGNED. AND THEN THEY SAID THEY NOTIFIED THE MERCHANTS AND THAT THEY VERIFIED THAT THE ACCOUNTS WERE ACCURATE. 

I HAVE ATTACHED MY LATEST " REINVESTIGATION '' RESPONSE FROM EQUIFAX REGARDING THESE DISPUTED / ID THEFT ITEMS FOR YOUR REVIEW RECEIVED XX/XX/XXXX. THEY KEEP GIVING ME THE RUN AROUND. THIS IS THEIR THIRD REINVESTIGATION INTO THIS MATTER. 

YOUR IMMEDIATE ATTENTION REGARDING THIS MATTER IS GREATLY APPRECIATED AS IT IS HINDERING ME FROM GETTING A MORTGAGE LOAN. 

EQUIFAX DISPUTES SUBMITTED REGARDING IDENTITY THEFT ( XXXX ) : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX, EQUIFAX DISPUTES SUBMITTED REGARDING IDENTITY THEFT ( XXXX ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I mailed a dispute letter for this account on XX/XX/XXXX stating that the charged for this account from XXXX 's XXXX was not accurate. In that letter, I explained that I ordered a sofa that was not delivered and was charged for on XXXX XXXX. I also asked for the signed delivery receipt to ensure it was delivered to the correct address as I did not sign for it. Please review the letter sent. this was also disputed with the credit bureaus as it now reports as a late or past due payment. 

XX/XX/XXXX As per the previous message, we have made it passed the 60 days to allow time for your organization to review the disputed information. To date, I have not received any results or updates via email, mail, or direct message showing the requested verification of the purchase and delivery. At this time, my account is reflecting as past due and is accruing late charges. If the results of the investigation were mailed, please provide the tracking number and information so I may validate the arrival of the results within the proper time frame. If the proper method of verification has not been completed as requested in the previous message chain, my request is to have this dispute closed as it is beyond the time legal frame for completion of an investigation, and I would request that the balance be reflected as XXXX, with no known knowledge, and it should be removed from my account and from the credit bureaus. As of this date, there are no late payment reflections on my account, and I would like to keep it that way as I have been more than cooperative in handling this dispute in a timely and proactive manner. Thanks, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is now in deliquency through credit reports due to them illegally charging the wrong payments on two differnt cards through XXXX XXXX not one twice but 5 months and payments in a row, i contacted them and never did they attempt to switch credit payment on the proper account leaving late payments extra interest and bad marks om my credit reports i cancelled card and tried to have situation fixed at that time when the woman from XXXX XXXX told me it was my word against theirs and they would absolutely deny payment on wrong accounts ever, my bank statements prove that for 5 months payments money was tajen out and put on my other XXXX XXXX account against my wishes and even doubled on same account payment twice in one month leaving my other account very late with extra interest and late payments i refuse to pay off a creditors extra amount of fraudulent charges i will settle with credit bureau for half of what i owe after thus horrible and lying episode from XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their failure to address the inaccuracies on my credit report, despite my documented attempts to rectify the situation. 

On XX/XX/2024, I mailed a dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. These inaccuracies have adversely affected my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. Despite providing all necessary information and following the procedures outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has neglected to acknowledge or act upon my dispute within the legally mandated timeframe. I have taken considerable care to ensure the accuracy of my credit report and to safeguard my financial reputation. However, TransUnion 's failure to respond appropriately has resulted in unwarranted stress and financial implications for me. I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do following the Fair Credit Reporting Act. 

Enclosed with this complaint are copies of all relevant documentation, including a copy of my original dispute letter to TransUnion and the response I have received from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, XXXX and Experian are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$61000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Student loan

I finished XXXX XX/XX/XXXX. I XXXX for forty years. Why am I not eligible for debt forgiveness? Because my loan is beforeXX/XX/XXXX!!! How ridiculous is that?!! XXXX University ONLY offered XXXX XXXX at that time. I retired and still owe approximately {$11000.00}. 
Recently, Navient lowered my monthly payment, but that just extends the time and ads on LOADS of extra interest. 
Please advise.
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the account for LVNV FUNDING LLC ( XXXX XXXX. This is a violation of my rights. I contested these errors with the XXXX credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. XXXX XXXX related to accuracy and fairness in credit reporting.
Product: Credit card or prepaid card

Barclay Card received and processed an online payment from my bank on XX/XX/2019 where I mistakenly included an incorrect account number. Over the past 10 months I have provided documents from my bank stating that Barclay received the {$1300.00} payment but they can not locate it. I have placed 44 outbound calls to Barclay in hopes of resolving. I have initiated at least 5 cases with their " settlements team '' in hopes of them  locating and applying the payment to my account. On XX/XX/XXXX, I was advised to submit a letter to the Office of the President via mail and fax and I did that via both transmission methods. My credit report is showing as delinquent and last week I received a notification that the balance is now subject to charge-off. 

I have provided Barclay copies of my bank record, proof of payment from my bank ( XXXX ), my call log, and a screen shot of the delinquency notice supporting my dispute. Please investigate this this matter and assist me in correcting as soon as possible. 

Many thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

I 'm going through a difficult divorce and called in to secure the card information and place everything in my name and remove my soon to be ex from the account. The company sent an email to his address after I removed it advising him I was making changes to my account. I know this because he forwarded me the email.     He was also able to gain online access to view what the card was being used for and print statements which he presented me with copies of yesterday.     This is clearly a violation of my privacy and a failure on the part of the company to secure my information.
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE INACCURATE XXXX COLLECTIONS OPENED WITHOUT MY KNOWLEDGE. 

XXXX XXXX XXXX XXXX WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT REPORT. ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$8200.00} IS INACCURATE XXXX COLLECTION. 

XXXX XXXX XXXX XXXX WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$7800.00} IS XXXX COLLECTION. DELETE THOSE XXXX COLLECTIONS ACCOUNT FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with fingerhut and after they so called verified the information they changed my report to show XXXX XXXX late and a recent late XXXX on Equifax and XXXX. I never made any payments on this acct because I dont remember having a acct with them. This acct is over 7 years and shouldnt even be on my reports.