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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

We were guaranteed XXXX XXXX reward points when opening a new credit card account after meeting certain purchase requirements. We met the requirements as described in the contract. However, after completion, we were only given XXXX points. We are in possession of the original contract indicating a reward of XXXX points if requirements are met. The PDF is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to log into my Transunion account online since XX/XX/2020 ... I have contacted Transunion on 4 different occasions via phone attempting to get access to my account online so that I can see my credit score and manage my accounts to ensure there are no errors, as well as manage my freeze on my credit profile and I have not been successful. They have provided me with an error code of # XXXX, via phone, but this error code has not been fixed to allow me to access my credit report on line, so I can monitor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a past-due balance in XXXX, paid the past-due balance. I am in the process of obtaining a mortgage, need the information updated. Lender will not update, they said to dispute and the account would be updated. I disputed with Experian, Lender sent updated information. Experian did not update XXXX account. I confirmed with XXXX updated account information was sent. Several disputes have been filed over the last 3 weeks and even a rapid rescore with a current loan statement and backup payment history provided by XXXX. Experian refuses to up account. My mortgage will be denied due Experian not updating the file. It's has been a long battle working with several different experian reps one was down right rude and insulting and refused to let speak with her supervisor and another who to call XXXX while I was on hold, left e on hold for 25 minutes and hung up. I have attached backup documents that I submitted and Experian will not update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Grow credit : WRONG PAYMENT HISTORY Grow credit : WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX : WRONG COMMENT ON TRANSUNION SUPPOSE TO BE THE SAME AS XXXXXXXX Grow credit : ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation Grow credit : THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXXt : THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON Trans union Grow credit : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Grow credit : Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number Grow credit : Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on transunion XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX  : 90 DAYS LATE ON XXXX & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON XXXX BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED TRANSUNION HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband has used my personal information multiple times to try and obtain credit. We went to court to make him stop. My name has not been XXXX XXXX since XXXX. He has been applying for credit using the name XXXX XXXX or XXXX XXXX. My name is XXXX XXXX. I can provide my social security card to show my name was changed back to XXXX in XXXX. I would like all of the hard inquires removed due to identity theft. I sent this information to all three credit bureaus and they have not removed the items after I sent in the proof and my driver 's license and social. Please assist in removing the following false inquires : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I did not make these nor was I aware of these attempts for credit. I was in the hospital ( I can provide proof ) XX/XX/XXXX through XX/XX/XXXX for COVID.
Product: Debt collection

I returned and paid all XXXX XXXX satellite services equipment as they advised me if I do n't want to be billed for their equipment it must be returned. They shipped me free boxes and labels to return their equipment and told me as soon as I returned it they would send an email once they received it. After they received it I got XXXX emails stating the equipment was returned XXXX, and XXXX XXXX. It is now XXXX I received a bill stating that I owe them {$960.00}. I told them I have n't had an account since end of XXXX. They ignored my letter I wrote them, now as of XXXX XXXX I got a new collection debt on my report from AFNI which they bought this debt from XXXX. I told AFNI that this was not my debt I do n't have services with XXXX anymore since XXXX. Why is this now illegally on my credit report as I do n't owe anything, they were paid for services that I had and billed me for {$500.00} of equipment but stated upon received they will remove it. As of today I am obviously being billed XXXX for something that is not mine as I do n't have any account with them anymore. Why would XXXX years later something falsely like this appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union refuses to remove the following accounts XXXX XXXX XXXX XXXX # XXXX THE BUREAUS XXXX # XXXX these accounts are not being reported on XXXX or XXXX TRANS UNION refuses to send me a copy of a verified contract that I may have with XXXX XXXX XXXX or the THE BUREAUS..these XXXX accounts could have never been a creditor because there is no " CONTRACT '' TRANS UNION IS REPORTING FALSE AND MISLEADING INFORMATION AND " WITHOUT MY CONSENT '' and I also have a right to privacy ( 15 USC 1681 SECTION 604A and SECTION 602A )
Product: Checking or savings account

Unauthorized charges were made on my account with Truist I advised of a lost phone and wallet at the time and identity theft and they still charged my account. I have an affidavit that is notarized that my account or identity was stolen at the time and had a previous identity theft note on my credit just lifted before opening the bank account. I know it is against consumer law for them to charge me for checks that I didnt authorize or use.
Product: Bank account or service

This is a complaint against Suntrust Bank in XXXX, FL Our company, XXXX XXXX , XXXX had a CD with SunTrust Bank in the amount of {$400000.00} since at least XX/XX/XXXX ( copies attached ) ; every time the CD was going to renew the manager told us that we will get the highest preferred rate due to our balances but they could not give me the rate at the time, their paperwork never showed the rate either. 
Every time we ask the officers at the bank for the rate they told us they either did not have it or did not have access to it ; until last year, we met with a new officer at the XXXX Branch in XXXX that was supposed to become our officer in the private banking area and I asked him about the rate on the CD and when he look at the computer he told me that there was something wrong with the rate and he will speak to his boss to fixed the problem. 
A few weeks later when I asked to speak to the officer, I was told by the branch manager that he was no longer with the bank and they were going to assign a new officer to us ; a few weeks later I spoke to somebody in the XXXX XXXX Branch and when I told them that I was going to file a complaint with the Dept of Finance, within 10 days I received a letter from XXXX to close all my accounts, even the accounts that belong to the XXXX in which I was only a signature ; I tried calling XXXX and they said is their right and they do not have to tell me why. 
I had all our companies and personal names check with the OFAC DATABASE and we are not listed, we have our accounts at this bank since it was open since we build it in XXXX, we never had a problem and we had balances over XXXX all the time and no cash deposits ; to transfer the accounts we could not transfer over XXXX memorized checks to another bank and it took 3 persons almost 30 days to be able to transfer all the accounts. 
I would like an investigation as to what was supposed to be the preferred interest rate to get all the interest back and the reason we were asked to close the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Checking or savings account

Purchased XXXX litecoin on XXXX-XXXX-18 Before hitting the button " confirm purchase '' my total was XXXX. 
I have purchased litecoin before from coinbase and received it in minutes. 
After 18 hours of my order still pending I decided to check my bank statement ... 
I was first charged XXXX $ then hours later I was charged another XXXX, and then another charge for XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiry Identity Theft Victim Dear Consumer Financial Protection Bureau, I am a victim of identity theft, and my personal information was compromised. As a result, an unauthorized and fraudulent credit inquiry appeared on my credit report. I have never applied for credit, authorized, or initiated this inquiry with U.S. Bank on XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, credit inquiries require consumer authorization. Since I did not provide consent, this inquiry is a violation of my rights. Additionally, under 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent information resulting from identity theft. 
I have already disputed this inquiry with the credit bureaus and the data furnisher, yet it remains on my report. I am requesting immediate action from the CFPB to ensure U.S. Bank and the credit bureaus remove this fraudulent inquiry as required by federal law. 
Please confirm receipt of this complaint and provide updates on its resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with NATIONSTAR MORTGAGE. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Debt collection

This debt has been disputed many many times and documentation of Identity Theft has been provided via certified Mail to this collection agency and XXXX. I have never done business with XXXX and my name is not XXXX XXXX. This debt is not owed by me and the collection agency is in VIOLATION OF FDCPA and TCPA as they are in receipt of documentation from police department and FCRA advising of identity theft but they continue to attempt to collect. I was also just notified that this is now on my credit report ; as a result I am actively providing XXXX XXXX my attorney to get a case against the collection agency as they have now causes me damage.
Product: Credit reporting or other personal consumer reports

My profile is being tackled due to information I do not update, things on my credit that shouldnt be their like XXXX bill I never signed up for. My profile has a number I never updated. My credit never goes up when paying my bills on time due to things are not correct on my credit score. I cant even get into my own account. My email has been hacked 5 years ago XXXX. Please reach out to me by phone to get this taken care of .. at this point I am concerned someone has stolen my identity. I cant even access my profile. I should have control over my credit score at all times. I have a new email now 2024. I cant even create a new account. Credit forgiveness is what I need this has to stop
Product: Credit reporting or other personal consumer reports

There are false accounts reporting to XXXX XXXX XXXX, and XXXX XXXX that are hindering me from securing traditional banking services. I am the XXXX XXXX XXXX and have a different middle as well as an additional last. I am either a victim of identity theft or these companies are pulling misinformation from the other XXXX XXXX in my family. I honestly do not know which has happened, I have no knowledge of opening these accounts let alone making transactions within them and I am being held responsible for the monetary loss of these institutions and I had no part in any of this. I am a young man trying to become a responsible and I can not even open a bank account. This is disheartening to say the least. Please help me, when I reach out to these institutions I am receiving no help or way to rectify these situations.
Product: Debt collection

Collector has taken on a debt that is doubtful. The original lender, XXXX XXXX XXXX XXXX, only alleged the debt to me this week. I began to research the matter today ( a totaled vehicle that had GAP insurance - alleging additional debt ), and have already received a collection attempt from CU Recovery. 

It is very unethical for XXXX XXXX ( and CU Recovery as their agent ) to attempt these tactics without first allowing legally allowed time for verification of the debt. Additionally, CU Recovery is attempting to collect over {$500.00} more than XXXX XXXX alleged that I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for XXXX/XXXX-XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( s ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute.

Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing on my credit report for almost a year now the bureaus have remove some items but some items I know there not verifying at all and it's inaccurate on XXXX I have a total of 6 Dept of ed that's reporting wrong and hurting my credit on XXXX there's a medical bill that was remove and place back on my account without them notifying me first and there's two repos on all three reports that's reporting different that the bureaus refuse two investigate and Experian keep reporting a bankruptcy that they refuse to explain how they verifying the item
Product: Credit card

I purchased a set of used golf clubs from XXXX XXXX. They arrived and were in such bad shape that they were not useable. XXXX XXXX refused to give me a refund. I contacted Discover Credit card and opened a dispute. They sent me a letter stating that the dispute was settled in my favor. When I recieved my next statement the dispute was reversed. I phoned Discover and they told me that the merchant provided them with documentation that I never returned the golf clubs. I explained that that was not true and sent Discover the email confirming that XXXX XXXX issued me a partial credit for the returned items. After several phone calls and being told that I never returned the golf clubs Discover refuses to help me with a credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS INACCURATELY REPORTING A DEBT LOAN TO MY PERSONAL CREDIT FILE.
Product: Debt collection

I requested validation of debt nd they have not sent a assignment of contract or wet signature.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the following inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries i didnt authorize below : XXXXXXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX DATE : XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX DATE XXXX XXXX