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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXXXXXX 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 XXXXXXXX Listed below are the Personal Listed below are the Personal Infor As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX  Account Number : XXXX Delete this account. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Identity Theft XXXX  Account Number : XXXX Delete this account. 
5. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 12. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
13. Identity Theft Account Number : XXXX 14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

I had my mortgage payment to XXXX Mortgage set up on auto pay from my bank to insure that my payments were always on time. XXXX mortgage apparently made a {$180.00} increase to for escrow fees I was not aware of this spring and sent my XXXX and XXXX payments back. I did not XXXX this until I checked my bank statement in XXXX since I am a busy XXXX this time of year, which means the XXXX payment was reported as more than 30 days late. I immediately caught up the payments with the {$180.00} adjustment and transitioned for XXXX Mortgage to auto withdraw to avoid this from happening again. I paid my mortgage on time, it was just sent back by XXXX and they then reported the rejected payments as late to the credit reporting agencies. I never received a phone call or email about the rejected payments and they have that information, which would have allowed me to correct the error more timely. My credit has now been destroyed for 7 years for a {$180.00} escrow fee adjustment and my bank XXXX XXXX has now closed both of my business credit accounts, which will further destroy my credit. I tried to appeal to XXXX in a letter explaining the situation and my good history of payments and just got a canned cold response that they are obligated to report accurate information to the credit bureaus. The letter said to call the contact with questions and the person does not answer the phone or return voicemail messages.
Product: Credit card

When I opened an account with an American Express card, all went well until I realized there would be a yearly charge of over XXXX. I called in and asked for the fee to be removed. I was told if I didn't use any of the credit card benefits it would be refunded to my card told. It did not happen. Then I had a XXXX XXXXXXXX and was in the XXXX and XXXX. My family told me there were charges on the account that couldn't be made by me. 
I asked to have those charges removed and all interest that was caused by the amount on my card. Plus the high interest that was raised. American Express then added late fees and over the limit they caused. 
1-fraud charges 2- a fee of XXXX 3- late fees XXXX Over-the-limit fees
Product: Credit reporting or other personal consumer reports

My account with SYNCB/PPC was never late! I have had exceptional payment history with SYNCB/PPC 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 in XX/XX/2024 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. 


SYNCB/PPC 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: Debt collection

Upon looking into my credit report I discovered I had a debt for Home Depot " THD/CBNA '' with a debt of {$370.00} from XX/XX/2005 and I still have the account and my account is up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these investigations in my credit report that have the dates marked. 

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
Product: Mortgage

I was approved for a loan modification and was given a lower payment to pay for 3 months before the start of the modification period. The bank reported it as late payments for 90 days when they told me it should say paid a lesser agreed amount.
Product: Checking or savings account

My Wells Fargo bank account was due to get my direct deposit. I got the paystub from my job, showing it was pending ( the deposit ). My banking app showed the transaction pending as well. This morning, upon checking my account, it showed {$0.00} in both my checking and savings account! The transactions show that they applied overdraft protection from both my savings account and credit card. I DO NOT want this as this should NEVER have occurred. I do not want over draft protection impacting my credit score negatively! This is apparently happening across the country too! Please help me find a way to rectify this situation as nothing seems to make sense at all with my account statement ( i am very very careful ). 

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

On XX/XX/year>, I checked my credit report and XXXX has placed someone else 's social security number in my file. I have never given them the social security number they have in my file and it says that you can't dispute or change it. 

They have two accounts reporting for one account for XXXX XXXX XXXX XXXX XXXX and it gives a negative XXXX. XXXX say i owe {$810.00} and they illegally stole/repossessed my car and sold it. XXXX XXXX 

They allowed a dismissed case XXXX XXXX to be placed on my report which is not mine and the company owes XXXX. I have disputed this information, and they haven't removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to resolve this problems first with the creditor and also with equifax. 

INQUIRIES : 1 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 2 XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXXXXXX 3 XXXX XXXX XXXX XXXX # XXXXXXXX 4 XXXX XXXX XXXX XXXX  # XXXXXXXX 5 XXXX/XXXX XXXX/XXXX # XXXXXXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, and TransUnion consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/XXXX  Acct # XXXX ( Transunion ) XXXX ( XXXX ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Debt collection

I previously notified you that I am a victim of identity theft on XX/XX/2022 A identity thief used my personal information without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of an XXXX identy theft. 

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX are fraudulant XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove incorrect information from a public record that is disclosed on my credit report. I have informed Equifax that I have sent a letter and I have filed several disputes to get the information removed from my credit report. The information has been removed from XXXX and XXXX credit reporting agencies, but Equifax refuses to remove the bankruptcy from the public record. 

The bankruptcy was filed in XX/XX/2009 which is 10 years old. The tracking info for Equifax indicates to review dispute, but I'm receiving an error message that states the system is down. I sent several inquiries, but Equifax informed me they didn't receive the letter, so I filed the disputes online several times. This has been ongoing for several months and the dispute has not been resolved and the information is still incorrect on my credit report. Due to Equifax refusing to correct my credit report, it has affected my credit score. Here are the tracking numbers listed below : You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX Equifax has completed your dispute for Confirmation Number XXXX.
Product: Mortgage

Please refer to attached letter that outlines our efforts to refinance with Wells Fargo. 
We were led to believe that our loan would be refinanced through regular lender department but we are now being directed to the Hardship Program
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud/identity theft and someone ( unknown ) opened up a Barclays Bank Credit Card , Date Opened : XX/XX/2019 and has an account balance of : {$47000.00}. I did not authorize this account and this account was not opened by me. Therefore, it is appearing on my credit report and is negatively affecting my credit rating. This fraudulent account is showing up on my XXXX Credit report and they are not blocking the account from my XXXX credit report. I have sent them a police report and an XXXX certified mail and they have verified it accurate, which is not true. Therefore, I am demanding for XXXX to remove this fraudulent account immediately before I take further legal actions and file a lawsuit against XXXX for violating the Fair Credit Reporting Act and reporting inaccurate information on my credit report.
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. 

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 XXXXXXXX h

as violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. XXXX  claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, Equifax has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. XXXX  you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.
Product: Credit card

I APPLIED FOR A CREDIT CARD ONLINE ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.
Product: Money transfer, virtual currency, or money service

I was scammed through cash app by someone pretending to be my cousin. Reported to cash app but nothing was resolved. It all happened mid XXXX to XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

On XX/XX/22, the scammer charged me {$160.00} on Zelle. It was for concert tickets and they blocked my number after they got the money.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Negative Credit Report Entry for XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of a negative entry on my credit report related to XXXX XXXX XXXX XXXX XXXX. As of XX/XX/year>, it was publicly announced that XXXX XXXX XXXX XXXX XXXX has ceased operations following its parent company, XXXX XXXX, filing for bankruptcy. In light of these developments, I am challenging the accuracy and completeness of this accounts reporting on my credit file. 

My Requests : Verification of the Account : Pursuant to FCRA 611 ( a ), please verify the accuracy of this account. I request that you provide : The date of first delinquency, The date of the last payment, and The current ownership of the debt. 

Proof of Legal Ownership : Please provide documentation that demonstrates that this account is being reported accurately and that I am the legally obligated party. 

Validation of Business Records : Since the creditor is no longer operational, I question the accuracy of their record-keeping and reporting. If the creditor or any third-party furnisher can not verify this account, I request its deletion under FCRA 605.

Removal of Unverifiable Information : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information. If this account can not be verified in full, I demand its removal from my credit file. 

I request that this matter be investigated thoroughly and that I receive written confirmation of the outcome. If the information can not be verified, please delete this entry from my credit report immediately. 

Thank you for your attention to this matter.
Product: Debt collection

Was alerted, via Bank Credit Monitoring, of a new " Collections '' type account on my 3 credit reports ( XXXX, XXXX, XXXX ) tied to the following : Sunrise Credit Services Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Creditor XXXX XXXX XXXX Amount {$1300.00} Date Opened XX/XX/2024 Address : XXXX XXXX XXXX XXXX New Jersey ref : XXXX This was not opened by me, is not located in my area, but is using my SS # as verified by XXXX. 

I opened disputes with all three credit reporting bureaus I have opened a dispute with Sunrise Credit Services I have requested from Sunrise a Fraud Packet, it has not been provided. 
I have engaged XXXX for next steps, they instructed to open with FTC and provide documents to them w/ ID. 

I was instructed that, if Identity Theft is likely, open dispute with FTC and CFPB.