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

Dear CFPB, I am writing to formally file a complaint against Discover Bank due to their failure to respond to a credit dispute letter I sent on XX/XX/year>. This dispute concerns the payments that Discover Bank marked as late on my account during the following months : XX/XX/year> and XX/XX/year>. Additionally, in the XXXX credit report, the payments marked as late correspond to XX/XX/year> and XX/XX/year>. 
Account XXXX : - Discover Bank Account XXXX : XXXX I have attached a letter showing that the creditor did not respond to my dispute within the legally mandated XXXX period. I am formally requesting that detailed proof be provided regarding this specific item, in accordance with [ XXXX XXXX XXXX ( b ) XXXX XXXX XXXX XXXX XXXX ). This section ensures that each periodic statement is mailed to me no later than 21 days before the payment due date. Additionally, I am requesting that all information required by section 1637 ( b ) of Title 15 be included.

It is my understanding that under [ 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ] ( XXXX XXXX XXXXXXXX ), my consumer report should not contain information solely related to transactions or experiences between me and the entity making the report. Payment history, including late payments, negatively impacts my consumer report and is part of the transactions and experiences between me and Discover Bank. 
Furthermore, I request that Discover Bank provide, in writing, the reasonable procedures they have adopted, in accordance with [ XXXX XXXX XXXX ( b ) ] XXXX XXXX XXXX XXXXXXXX ), to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. Please also include all the information required by section XXXX ( b ) of XXXX XXXX. 
Discover Bank has 30 days from the date they receive this letter to provide me with the information I am requesting. If they fail to provide this information within the allotted time, it will be assumed that they can not verify the late payments specified above due to a lack of reasonable procedures to ensure the accuracy of my account. In that case, I request that the late payments be removed from my account and consumer report with the following consumer reporting agencies : XXXX, XXXX, and XXXX, or any other applicable agencies, and that the account be updated to reflect a positive status. 
Please forward any changes to my account to the address provided above. Thank you for your time and consideration in this matter. I look forward to receiving a positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to inform all parties that in the last thirty ( 30 ) days I explained in my letter to that, you, as a Federal Reporting Agency has not complied followed FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the folloXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/1964 as shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. 

I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.
Product: Credit reporting or other personal consumer reports

Company did not remove these inquiry 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
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX I have attempted several times over the XXXX months to communicate with XXXX  in reference to this matter. The individuals that I have spoken with repeatedly told me that after their investigation, it was me that made those transactions. And they determined that my claim of fraudulent scamming of my debit card did not happen. 

XXXX decided that I had made those purchases and that they will not return my money to my account. I did not make the purchases or charges that I have been accused of. I have never heard of those companies. In my XXXX  account, you will find no mention of those companies. XXXX accused me of being the thief. I am not a thief, if I order an item ( XXXX ) I pay for those items. 

I have never heard of those companies and have made any purchases with them. I am mailing this information to your bureau with the hope that you can get to the bottom of the problem because XXXX, for whatever reason, is siding with these criminals. I always try to be careful where I shop, but someone has gotten hold of my XXXX information. I do not know criminal work because I am not a criminal. I do not steal. Please look at my problem to see if you can return to me my {$230.00}. 


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

I purchased a new car from Kia Motors Finance in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXX west where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a post office box. I can only assume that the mail was returned to Kia by the USPS. I went to the dealership who told me that Kia would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a 147 point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. 
I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/2019, CBNA add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX add a hard inquiriy on my credit report per XX/XX/XXXX.
Product: Debt collection

I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018?
Product: Money transfer, virtual currency, or money service

Used XXXX at Bank of America to purchase a XXXX XXXX XXXX, exactly what I told Bank of America. I thought I was paying a company told to the BOA XXXX Security People. At no time till the XXXX transaction did they tell me that the emails I was sending the payment to were not company emails till the 4th attempt to send a payment. 

XXXX : Payment to : XXXX XXXX email : XXXX amount : {$1000.00} Confirmation Number : XXXX Date : XXXX XXXX, 2024 Purchase of a XXXX XXXX XXXX XXXX XXXX XXXX : Payment to : XXXX XXXX email : XXXX Amount : {$990.00} Confirmation Number : XXXX Date : XXXX XXXX,2024 Purchase of XXXX XXXX  for transport of the XXXX. 

XXXX : Payment to : Premium Global Cargo recipient : XXXX XXXX email : XXXX Confirmation Number : XXXX Amount : {$870.00} Date : XXXX, 2024 Please Note was the 1st time I used this app and every time I called the XXXX support number for BOA they asked a few questions and oked the transfer for the transactions. 

I called the fraud department and at not time till I contacted them did they tell me that the email addresses were not business emails or I would not have sent any money. I feel BOA dropped the ball on a unsuspecting customer. BOA said they would investigate but in only a few days I got a letter stating unrecoverable and thay would pursue the matter. They never got back to me Thanks XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was locked out of my Coinbase account and it's been over 5 days and I still have no access. I was told I would be able to access my account again on XX/XX/XXXX no later than XXXX XXXX XXXX. It's now XX/XX/XXXX and still I have no access. When I call customer service they tell me to basically wait indefinitely and that is unacceptable!
Product: Credit card

I dispute a transaction on my credit card after attempting to cancel a service that I paid for with my credit card. I presented Navy Federal Credit Union with all documentation to include my written request to cancel, a copy of my contract, my attempts to resolve the issue through the XXXX  as well as reports from other consumers via the XXXX  who were not able to resolve the issue with the company due to their fraudulent practices. Navy Federal failed to notify me of the final decision regarding the dispute before they posted the charge back to my account. When I called to find out why they decided to repost the charge, I was told that I didnt cancel my service per the terms of the contract - specifically that I didnt cancel with in the first 30 days and I did not provide a written request to cancel to the merchant. I clearly had the right to cancel after the first 30 days and I would be entitled to a pro-rata refund, which is in the contract terms. I had also provided evidence of the email that I sent to the merchant, XXXX XXXX XXXX XXXX that details my full request for return of premiums minus what I owed for XXXX, XXXX, and XXXX and minus the {$75.00} cancellation fee. It was clear that all of the evidence that I provided for the dispute was ignored and the merchants representative was allowed to make false statements about the situation, despite having the evidence in hand. I have attempted to appeal the dispute for these reasons and have been denied the opportunity to have this dispute reviewed and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian, XXXX, and XXXX asking them to verify XXXX  accounts and unauthorized inquiries on my credit report by providing an original contract or other document with my signature that would prove ownership of the accounts. I requested that if they could not verify those accounts with a signed document, that they should remove them from my credit report immediately. It has been XXXX XXXX and I have not received any correspondence in relation to my letters indicating that an investigation has begun or that the accounts have been verified. I sent another letter on XX/XX/XXXX informing them that I had not received a response and that I required a response immediately. Their reporting of unverified reports is hurting my ability as a consumer to qualify for certain credit and housing applications. I have attached the aforementioned letters for reference.
Product: Credit reporting or other personal consumer reports

Account XXXX with XXXXXXXX XXXX was fraudulently opened, and is causing me and my reputation personal harm and discrimination ( Per 15 U.S. Code 1681c-2 ). This account needs to be removed from my report within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX  XX/XX/2022 XXXX. XXXX SXXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX XXXX.. it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

XXXX. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX  and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of XXXX data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

FCRA 15 usc 1681i 602A states I have the right to privacy.

FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Victoria Secret Card on my Credit Report. I never had a Victoria Secret Credit Card. Im a single male. What would I want with a Victoria Sevret Card! They sell Womens items only! Womens Underwear, womens lingerie, womens undergarments, womens clothes, womens swimsuits, etc.. I can assure you I can not wear or use anything that Victoria Secret sells.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my credit report. 
My credit report is reporting an account on my report from XXXX XXXX  XXXX which is indeed not my account. I would like this account removed. It is not accurate. I disputed this with Experian, XXXX and XXXX plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In gonerallf, atter any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannol be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports.

Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company Cardinal Financial COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option.

( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option.

( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. 

Cardinal Financial : Acct # XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Date opened XX/XX/XXXX Paid in Settlement {$530.00} CAPITAL ONE Date opened XX/XX/XXXX Account Charge Off {$4700.00} Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization that I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 U.S.C. 6802 that is in effect immediately and indefinitely.
Product: Credit card

Card kept being stolen in the mail Credit card was stolen and credit card was duplicated allowing unauthorized charges to be made without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C. 
1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ).

I have not initiated any transaction with Advantage Credit Inc. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX. for review or collection.
Product: Checking or savings account

My phone was broken and it was a beautiful day for sunshine. We are going through a rough financial problem and I am not able to pay for that phone to get turned on. I don't know if they have messed with it but I sleep on the couch so she can watch others work. I sent in every single scrap of identity verification documents I could find. I'm on the street now until I get those funds but credit karma doesn't care. They are not looking at the documents to verify even though it was an escalation and they just would close the chat to make me start from the beginning and I have been fighting from every XXXX in my life. Puppy finally dorsy pooron rabbit XXXX.
Product: Debt collection

I have made several calls to this company to resolve a debt for identity theft I was sent out a affidavit to sign and ask for a police report. I fax it over to the company back in XXXX at that time was told the police didnt have company name that I would need a new one. On XX/XX/22 I faxed over a new police which is now saying they havent. On XX/XX/22 I spoke with a very nice supervisor which reached out to the team that received the documents to find what was going on I was told to call back later to see if they responded since then I have called back and havent received no help. Today XX/XX/22 I spoke with a very rude supervisor by the name of XXXX where I was told she short staff I either wait for documents to be uploaded or pay the bill cause there nothing else she will be doing. I believe that was very unprofessional and rude her job is resolve the issues and do what they can to help customers I dont feel she was doing so. But moving forward due to her I rudely behavior I dont believe this company is taking the appropriate steps to clear up this account
Product: Credit card

Comenity / Ulta Acct opened XXXX Closed XX/XX/2024 Ulta reported me 30 days late in XX/XX/2024. I made my XXXX payment IN STORE. I had no idea this payment wasnt received until I got my following months bill and noticed a past due amount. I went back into the store and the store manager remembered me paying the bill and offered to make it right. It was a cash payment. Still to this day its showing late. I closed the account after this happened because they were careless in processing my payment. I want it reversed or removed all together.
Product: Payday loan

I received a loan and paid off the loan. But then they said that I took another loan out. Never received the loan. They been calling me for XXXX days now. But they decided to call my MOM AND TO INFORM HER ABOUT MY LOAN PROBLEM. THEY STATED TO THAT THEY HAVE THE RIGHT TO GIVE ANYBODY MY INFORMATION IF THEY KNOW MY LAST XXXX NUMBERS OF MY SOCIAL.