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

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} Bankruptcy : XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$960.00} Bankruptcy : XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$960.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} Bankruptcy : XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

my identity was stolen and i fought hard to get my life back now i have inquiries that i did not authorize!

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Checking or savings account

Im a navy federal member My accounts were closed out due to the pandemic, which I previously mentioned to a employee at the bank. My account were closed out and a payment buyout was arranged. ( XXXX ) I called to close out the saving account to this checking account because it showed no activity for 2 years ( XX/XX/XXXX ), I called navy federal to see can I close my account they said yes. So we went through the process of closing it out but the call dropped, the very next 2 hours I had {$4000.00} worth of charges on my account after I had just talked to a reps who repeatedly said Im okay because it shows nothing in the account. 2 days after that ( XX/XX/XXXX ) my account was charged {$3700.00} from a old income tax refund that came. I had no idea about it and the reps didnt say the deposit was going in. I believe the bank and their employees conspired to take my money with me knowing because they didnt give me a notice plus they still wanted to close my account so if I didnt catch onto it. I either should be able to keep my account or get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Product: Checking or savings account

For several weeks I have been trying to open a Capital One 360 Checking account but get an error message to call in to verify some information. Apparently Capital One has my SSN associated with a XXXX XXXX XXXX which has prevented me from continuing further. I have been " highly verified '' by Capital One and their associates tell me that they are correcting the issue but never do. I have called in numerous times to resolve this matter to no avail. They claim there is a one digit discrepancy in the SSN numbers. I have three long standing credit cards with Capital One that the banking division could verify with the credit card division and easily see that my SSN indeed belongs to me and not the other gentleman.
Product: Credit reporting or other personal consumer reports

I tried to fix my credit report since last month but still no recieving any response from you. please please delete all the negative items immediately Here 's the list Account Name : XXXX  Balance : {$960.00} Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX  Balance {$900.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance {$1100.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$620.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$850.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$640.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$680.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance : {$490.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance : {$720.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX XXXX : {$650.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$600.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Inquiry name : XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX  Inquiry : XXXX. XXXX, XXXX XXXX name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX  Inquiry : XXXX. XXXX, XXXX XXXX name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXXXXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit card or prepaid card

Dear Official, My name is XXXX XXXX and I am an American express loyal member. I am writing this with great hope that I will get some help. 
I started using Amex credit card since last year. I booked my air tickets for XXXX in business class in XX/XX/XXXX for travel in XX/XX/XXXX using Amex travel benefits. I was all set for my trip but when I checked my tickets before travel, it showed that my tickets and my hotel reservation was cancelled. I did not get any notification prior to cancellation nor refunds. I called Amex customer service, they were clueless about this, they had no idea what had happened and why were the tickets cancelled. 
The only option I was provided was to buy new tickets which were more expensive I had to pay {$900.00} extra and that too not in business class, in economy premium. They said that we investigated the case and its due to fradulent activity which they are not responsible for. 

This is very disappointing, the only reason i became a member of Amex was their travel benefits. Now it seems a scam to me. 
The customer service is not helping at all. Nobody has helped me in solving this issue. The worst part is, I wasnt informed at all. I didnt expect this from a highly reputed company. 
On the otherhand, When I spoke to one of the customer care service representative regarding my hotel reservation cancellation and requested them to find out what had happened they lied to me saying that they are not able to contact the hotel.Later they called me and said we can give you courtesy XXXX $ for inconvenience which I refused to take. At this moment, i would expect that Amex should feel responsible for the loss I faced including the cancellation of my tickets without informing me with no refund issued. Even if its a fradulent activity, they should be aware of it and should compensate/share the loss with me. 
Thanks in advance. 

XXXX XXXX Amex credit card # ( last 4 ) -- XXXX. 
Trip ID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I was legitimately late, but writing to explain the circumstances that led to the late payments and request your assistance with these two accurate late payments. The late payments are listed on my XXXX XXXX XXXX for XXXX, 2022 and XXXX, 2022. The account number is : XXXX My first ever consecutive late payments in 5 years with XXXX XXXX were due to a Federally Declared Disaster in California, a death in my immediate family ( death certificate available ) and my household getting XXXX with the XXXX XXXX  around the time of my two late payments ( explanation letter sent to XXXX attached ). 

I asked if they can please remove these late payments because my home 's refinance was stopped due to the two lates and our family is now in danger of loosing the home, but they sent a letter saying they have to report it by law and have no discretion to make a good will adjustment. Oddly enough, despite all my calls no executive wanted to get on the phone with me to confirm or deny this lack of discretion, and no officer or director answered any of my calls or voicemails. 

While the creditor is not doing something illegal, they are definitely being unreasonable in not removing my first ever late payments to them in five years of on time payments.
Product: Mortgage

Dear Sir Or Madam, This a follow up to complaint XXXX. Our names are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Ga XXXX. 
We want to send you some documents that have shown malicious behaviors XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

I filled out a form of cancellation for a XXXX located in XXXX, Washington and they misfiled it back in late-XX/XX/XXXX/early-XX/XX/2016. The debit card connected to membership, around the same time of my membership cancellation, got lost so I cancelled it as well. I did n't inform them of the card cancellation because I thought I had cancelled my membership effectively. They continued trying to charge my cancelled debit card into the coming XX/XX/XXXX before they informed me that the National Credit Services would take on the debt. National Credit Services sent mail to an old address of mine to which I could not retrieve it. They are trying to collect debt from me, but I should not have to pay this debt because the gym themselves misfiled my cancellation. What if they did this on purpose to profit off my cancellation? They claim I need proof that I cancelled but after filling out two cancellation forms ( another one in XX/XX/XXXX to stop further charging to my account ) I was not presented with any certificate of proof.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 those account 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 the
y 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. 


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

I have inaccurate accounts reporting on Experian and they have not addressed them and violating my rights according to the FCRA section 609 by keep reporting this information without signed factual proof
Product: Money transfer, virtual currency, or money service

1.CATHAY BANK illegally authorized an imposter to open account number XXXX to commit FRAUD as an auto dealership, ( XXXX XXXX XXXXXXXX XXXX XXXX 
I trusted the FDIC insured bank ( CATHAY ) bank with my wire transfer ( {$65000.00} ) to purchase a car from my XXXX bank account. on XXXX 
2. I immediately placed a ( RECALL ) to the wire transfer on XXXX XXXX XXXX as I realized something was wrong from calling the imposter posing as the dealer`s sales representative for the delivery of the car I just sent a wire to buy. 
3. CATHAY bank ignored my recall, allowed time for the FRAUD dealer representative to withdraw the funds ( {$65000.00} ) .and close the ( ILLEGAL ) account. 
4. I requested an investigation to get information about the FRAUD account number ( XXXX ) to my bank ( XXXX ) and ( CATHAY ) bank, received no cooperation only ( ACCOUNT CLOSED )?!! I requested ; a- When was funds taken and, b- by whom ( TAX ID, c- Time account was closed CATHAY ban violated FEDERAL AND STATE laws. 
1. Allowing such FRAUD to take place.
Product: Credit reporting

I never requested credit form this company. I want this HARD INQUIRY DELETED ASAP
Product: Debt collection

To Whom It May Concern, The reason for my dispute is FOCUS RECEIVABLES MANAGEMENT {$870.00} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FOCUS RECEIVABLES MANAGEMENT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  FOCUS RECEIVABLES MANAGEMENT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FOCUS RECEIVABLES MANAGEMENT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FOCUS RECEIVABLES MANAGEMENT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.FOCUS RECEIVABLES MANAGEMENT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Student loan

I Attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX promised job opportunities and placement as I chose the school primary depending on that since I was struggling financially upon signing up. As apart of the tuition package I was supposed to be given a bag filled with provisions I needed for the program, half of which I never received and was promised to get later. Because of the poor quality of teaching and curriculum, I was under prepared for the state boards causing me to have to pay for a quick course and to seek out the day time teacher to help prepare my bag at the very least. At the end, broken promises, no job placement, minimal knowledge and still didnt receive the items I paid for. There isnt any way to contact the school now as its since been shut down for fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Transunion. They said everything is verified as 100 % accurate and updated. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are not accurate. Account Name : XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, 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 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 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 ) ( a ) 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.