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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

My credit limit decreased from {$750.00} to {$100.00} over a years span during the pandemic even after making payments each month. XXXX of 2021 my account was closed due to inactivity despite having a zero balance.
Product: Payday loan, title loan, or personal loan

I foolishly in desperation took a payday loan with an online payday loan company. I borrowed {$300.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$300.00} loan I should have to payback {$340.00}. I have mailed my first payment of {$90.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$250.00}. The payment of nearly {$200.00} per month is excessive, predatory and pure greed. I will pay {$25.00} every two weeks beginning XX/XX/XXXX until the {$250.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.
Product: Debt collection

Called XXXX when received a notice they could not find account number in XXXX stated it was not an account of theirs. Also filed an affidavit with XXXX stating was not my account. Also filed a dispute with major credit reporting XXXX on XX/XX/XXXX which also conducted an investigation and came back to the conclusion this was not my account and was Also removed from my credit report. This was something that came up in XXXX midland funding bought this account I was served papers from them XX/XX/XXXX have also called them in reference to this stating it is not my account and they were extremely rude and unprofessional and I refuse to pay something that is not mine. This account was opened fraudulently there is nothing that has been given to or signed by me at all because this is 150 % not mine. There is no information on anything that was sent to me its all redacted out. But this bill is not mine which I have attempted to explain this to XXXX and they refuse to listen.
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 XXXX : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

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. 

Accounts have violated my rights 1XXXX XXXX Reported : XXXX. XXXX, XXXX  - {$11000.00} 2.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4600.00} 3XXXX XXXX  Reported : XXXX. XXXXXXXX XXXX XXXX {$3400.00} 4.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4400.00} 5.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$6200.00} 6XXXX XXXX Reported : XXXX. XXXX, XXXX - {$26000.00} 7XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  - {$760.00} 8.XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX - {$1400.00} 9. XXXX XXXX Reported : XXXX. XXXX, XXXX - {$980.00}. Violated my rights
Product: Credit reporting or other personal consumer reports

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 my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 7 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.

Also, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agenciesproviding bankruptcy information. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information.If it is from the bankruptcy court, IT IS AGAINST THE LAW! 

Please remove the bankruptcy information immediately from your database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple dispute letters as well as validation of debt letter because this account XXXX XXXX XXXX in the amount of {$5900.00} is not mine however its still been fraudulently reporting on my report
Product: Credit card or prepaid card

On XX/XX/2019, I disputed a charge with American Express from XXXX for {$920.00}. Today, XX/XX/2019, That charge is still showing on my balance. My contract terms and conditions with American Express clearly says that any disputed charges will be temporarily credited until after that investigation is completed. I brought this up to a representative through Chat, and they confirmed this dispute is being handled differently, I informed American Express they were in violation of our contract therefore breaching our contract and they were also in violation of federal Law which clearly states how disputed charges are to be handled. They did not care! I had a recent dispute for {$69.00}, for this dispute I received a temporary credit until the investigation is completed. 
The XXXX charge was paid by other means also the {$920.00} charge is more my contract with XXXX. I paid XXXX {$790.00}, when the car was dropped off. For some reason XXXX charged me again a higher amount. 

American Express is recklessly and deliberately breaking out contract and the law, meaning they literally do not XXXX XXXX XXXX! 
also they will be reporting the wrong amount to the credit bureaus.
Product: Credit card or prepaid card

Credit card was paid off years ago and made sure to lock card online so no charges would go through. Citi is unable to explain to me what the " lock card '' feature actually does or the farud alert does for that matter. XXXX XXXX a red flag when a random charge for a service you do not have and never had appears on the LOCKED card. 

Called to file fraud dispute for unauthorized charge and they told me to contact the vendor while also charging me a late fee and reporting me late on my credit report. I tried to explain to them that not only does XXXX have a 0 fraud liability but regulation E has protections in it as well. They refused to even investigate.
Product: Debt collection

I received a bill from XXXX XXXX for {$150.00} for amount not paid by insurance company, statement date XX/XX/XXXX. I paid this bill using my XXXX XXXX XXXX  on XX/XX/XXXX. 
I was rebilled for the exact same bill and amount saying it was past due. They turned it over to Emerald XXXX. I disputed the bill, they validated the bill. 

The bill was already paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed without delay.

Fraudulent Accounts to Be Blocked and Deleted 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$880.00} 3. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 4. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6700.00} 5. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 6. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX XXXX XXXX  ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX XXXX  ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX ( XX/XX/XXXX ) 10. XXXX ( XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX ) 12. XXXX XXXX XXXX  ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX ) 16. XXXX XXXX ( XX/XX/XXXX ) 17. XXXX XXXX ( XX/XX/XXXX ) 18. XXXX XXXX ( XX/XX/XXXX ) 19. XXXX XXXX XXXX ( XX/XX/XXXX ) 20. XXXX XXXX XXXX ( XX/XX/XXXX ) 21. XXXX XXXX ( XX/XX/XXXX ) 22. XXXX LND ( XX/XX/XXXX ) 23. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 24. XXXX XXXX ( XX/XX/XXXX ) 25. XXXX XXXX ( XX/XX/XXXX ) 26. XXXX XXXX XXXX XX/XX/XXXX ) 27. XXXX XXXX ( XX/XX/XXXX ) 28. XXXX XXXX ( XX/XX/XXXX ) 29. XXXX XXXX ( XX/XX/XXXX ) 30. XXXX XXXX XX/XX/XXXX ) 31. XXXX XXXX XXXX ( XX/XX/XXXX ) 32. XXXX XXXX XXXX XXXX XXXX XXXX 33. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 34. XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding the improper handling of my dispute with Transunion. Despite my adherence to the Fair Credit Reporting Act ( FCRA ) regulations, my dispute submitted on XX/XX/year>, has not been resolved, nor has a meaningful investigation been conducted within the legally mandated timeframe.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) and 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to conduct a proper investigation and provide a response within 30 days. Instead, I have received only a generic stall letter, with no indication of progress. This lack of action is both frustrating and unlawful. My instructions were simple and clear.

Additionally, I have reason to believe the credit reporting agency is employing automated systems to send generic responses, as detailed in the CFPB report found on the CFPB 's website. There is no legal basis for rejecting disputes generated using available technology, and this practice violates consumer rights.

Reason For Dispute : My credit report contains inaccurate personal identifiers, including names and addresses that do not match my identity. My only correct name is XXXX XXXX, and my current and accurate address is XXXX XXXX XXXX, XXXX  XXXX, XXXX, NC XXXX. Any deviation from this information should be removed immediately. I do not authorize the retention or reporting of unverified employer or phone information. Outdated or inaccurate data must also be removed. 

I request that the CFPB investigate this matter promptly and enforce the necessary corrective actions against Transunion. Furthermore, I demand a detailed response, including the following : Updates on the investigation into my dispute. 
A full description of the procedures used to verify the accuracy of the disputed information. 
Please address all future correspondence to the following : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NC XXXX This matter has caused unnecessary stress and financial harm, and I expect a resolution without further delays. Should these violations persist, I reserve the right to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Its a Macys store credit card. At the beginning of Covid, I called and requested to be put on a forbearance. It was approved and they reported me as late the following two months. I shouldnt have been reported as being late since the forbearance had already been approved, and I was told by the person who handled the approval that I didnt need to make any payments at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( Experian, XXXX, and XXXX ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX Bank, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

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

I made a complaint to XXXX  because an unauthorized person represented themselves as a XXXX XXXX employee when I called the customer service line. I called because the account I set up wasn't explained properly. I was under the impression, when it was explained to me when I opened the account, that I had an overdraft account. Meaning, it was explained that if I setup a joint savings account and I made purchases, XXXX XXXX would automatically deduct it from my other account set up with no fees charged if my checking didnt have enough to cover it. The day I called to explain, like I said, it was someone stating that they were a XXXX XXXX employee ( a manager ) but ironically I was transferred to a department that had nothing to do with my concern. I was put on hold for ten minutes because the person " manager '' claimed that he couldn't find out what kind of account I had. He asked me could he have permission to extensively access and research and go through my account. Now mind you, I have worked several years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX  XXXX XXXX and XXXX XXXX. So, I knew the person was full of it. This " manager '' claimed he couldn't help me but he could refer me to the investment banking department - which had nothing to do with why I called. After that, I looked on my tablet to go on my online banking. My checking account began to be immediately affected with double charges and them shifting my money back and forth between my accounts, re itemizing my charges, they ran my credit without my authorization, they linked my {$6000.00} XXXX XXXX XXXX advantage card to my savings and checking accounts, they also CLOSED MY XXXX XXXX XXXX  CARD without notifying me of the reasons after they ran my credit unauthorized with no probable cause. I only had the card for six months and NEVER USED IT! They sent me a letter ten days after they closed my card and talked to this shady person stating I had all these charge offs and accounts that were delinquent on my credit report that WASNT TRUE and they based it off of my activity in my checking and savings account - when in fact, there computer were the ones messing it up! I know my account was hacked! They offered me mediation and consultation as well as advice and encouragement to seek other legal action. So, thats why Im contacting this law firm. I am COMPLETELY UPSET with XXXX XXXX and there unethical and shady business practices. I told them that here they go again doing the same thing they did to get in trouble years ago my stashing money from individuals accounts and adding it to other places and re itemizing charges just like the lawsuit they had. XXXX XXXX is back at the same thing again and unfortunately I am the victim! Theyve also cut my debit card off while buying necessities for no reason. My account has been hacked when I reported the problem to them and still being hacked. Please help me.
Product: Debt collection

portfolio recovery is making numerous attempts to collect debt that im not sure what the charges are? this is adversely affecting my credit ... all other debts are paid and are current, not sure what portfolio recovery is trying to collect monies for, have not received any written notification of this debt. numerous phone calls to my phone while im @ work and @ home are annoying, they also tagged my phone so when im on another phone call they try to call in. this seems to be illegal that they know when im on my phone? would like to resolve this matter, so it is not affecting my credit score for  future loans and or services
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EQUIFAX IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EQUIFAX CONSENT TO REPORT THESE INACCURATE ITEM ON MY  CREDIT REPORT. 
EQUIFAX DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXXXXXX XXXX XXXX-NOT MINE ADDRESSES : FL, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FM XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX/XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX   XXXX -- NOT MINE XXXX XXXX XXXXXXXX -- NOT MINE
Product: Checking or savings account

Pleased see attached letters and documents with the information necessary to look into a fraudulent case against me with XXXX XXXX XXXX, now known as XXXX.
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that { Truist bank } has listed { negative listing } on my XXXX file. To my knowledge, I have never had account with { TRUIST BANK }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { TRUIST BANK } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this TRUIST BANK be permanently removed from my XXXX report. For your records, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX