23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and XXXX three credit reporting agencies have density delete this account : US DEPT OF EDXXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C XXXX effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested with Equifax to investigate and delete inaccurate information from my credit report report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Product: Credit card

I have not applied for credit cards or pulled my credit at all in the year of XXXX received an email on XX/XX/year> that a Capital One credit card was on it's way to me. I then received another email on XX/XX/year> from XXXX that a credit card was on it's way to me. I then received an email from XXXX stating that a new inquiry was on my report. I called both of the companies on XX/XX/year> to cancel these cards immediately and found out they were being sent to my old address where my grandparents lived. Today, XX/XX/year>, I have called the credit bureau 's to dispute these credit pulls and add monitoring immediately. I have no other information and can get it if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud happened nor I have not benefited from any of this. I provided proof that I was XXXX  ( identity theft report, the accounts, paper work from the government of my XXXX  and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX  ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX  and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00} XXXX - XX/XX/XXXX {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX accounts are not reporting the same with all three credit Bureaus XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows XXXX XXXX as paid for less than the full amount Whereas Equifax shows this same account as charged off. XXXX shows the same account as payment after charge off collection. 

***Equifax shows XXXX as no more than 4 months past due. Whereas, XXXX shows legally paid in full for less than full amount. XXXX shows the same account as 90 days past due. 

***Equifax shows XXXX XXXX  charged off. Whereas XXXX shows shows lthe same account as egally paid in full for less than full amount. XXXX shows commerce as payment after charge off as collection. 

***XXXX  shows XXXX XXXX as charged off, where as XXXX shows it as charged off as a bad debt.` In addition, 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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 1681 section 602 A states I have the right to privacy.
Product: Payday loan, title loan, or personal loan

I did not authorize or consent to this account being opened. I have no knowledge of this account nor did I use it for myself. I did not approve any charges or apply to it being opened. I have asked to have it removed as fraud and for all derogatory comments and remarks to be removed. I have not had success trying to get this resolved or removed. It is ruining my credit. Please remove account and all related negative reporting from all credit reports.
Product: Debt collection

I have received several statements ( dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX )  stating that I owe {$400.00} to this collection agency and I have asked them to provide me with verification and validation of this account. They keep sending me the same credit card statement which does not show proof of validation. I have sent them 2 different letters ( dated XX/XX/XXXX and XX/XX/XXXX )  attempting to settle this because I want it off my credit reports and they have not sent me anything trying to accept payment or settle the account. It has been well over 30 days and I would like to have this account off my credit report ASAP. 

Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  Account # XXXX a/k/a XXXX XXXX Loan XXXX are now again attaching the last account established for Home Improvement. They are as follow in order of attack and incorrect reporting : Evidence was submitted in the CFPB consumer Complaint # ______________ the XXXX Account XXXX and Account XXXX accounting procedures and procedures crossed referenced and reporting payment made to account XXXX ; being recorded to XXXX  account number XXXX. instead of XXXX shown in XXXX  Client Payment History Current issue : XXXX  Account # XXXX Proclaimed to client that s/he payment had not paid XXXX payment for account XXXX and successfully reduced client credit score by XXXX XXXX a direct result of XXXX a/k/a XXXX XXXX reporting it as delinquent. 

Client add to include the amount paid for late fees {$10.00} late fee which increased the actual payment from {$320.00} to {$330.00}. ( See attachment ) XXXX  a/k/a XXXX XXXX proclaimed to not have received payment made on XX/XX/2022 in the amount of {$330.00}, but the attached XXXX XXXX XXXX account ending in XXXX, PDF report clearly shows the said amount was withdrawn by XXXX  account XXXX a/k/a XXXX XXXX Loan # XXXX was actually withdrawn from client 's account on XX/XX/2022.
Product: Checking or savings account

on XX/XX/2022 td bank closed my account without reason and are illegally withholding funds ( {$550.00} ) that i deposted cash into a td branded atm. they promised to reach back out to me within 30 days with no response. with every attempt to contact i received cold transfer and misinformation and im still not given an exact date when my money will be returned or the reason my account was closed in the first place
Product: Credit card or prepaid card

I opened an account with Synchrony Bank for a Amazon Prime Store Card. I received the card and I for most of my account history have made my payments on time. This bank has a rewards program and from day one my rewards were never disbursed especially since all of my purchases were with Amazon. I also noticed that my balances after I made a payment would display in a negative status. I have called them on several occasions and they would tell me that their system has issues and to be patient it will clear up in a couple of days. My bank did not honor 2 payments to Synchrony, however on the 3rd payment it was honored. Once I found out, I immediately called Synchrony and explained what happened and setup payment right away. So now my card has been closed based on these two incidents and I did not receive a letter, I found out from a credit report alert that my score was decreased substantially. Then I called Synchrony and asked how to send payment to them, they said I could call in with my info or mail a check. I asked that I regain account access to pay the account off because I needed to make sure that they would not send my account to collection. It took 3 phone calls to get my account corrected. I have logged in and scheduled payment. I feel that I was not given any opportunity to make things right, the two incidents that occurred were unfortunate mishaps beyond my control and I made my best effort in resolving. All the payments I have made to this account were always above the minimal amount due, way about by hundreds of dollars. I know that my account was not serviced correctly and I did not receive the proper update for payments made nor did I receive the rewards that I was entitled to as a regular user of Amazon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.
Product: Credit card or prepaid card

I never used this card, there were fraudulent charges on this card from a XXXX XXXX. 
I called the dispute line, I sent copies of the complaint and they tried to charge me overdraft fee 's on fraudulent charges that were in dispute. 
Case number XXXX & XXXX
Product: Credit reporting or other personal consumer reports

This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

America 's first credit union is listing my payments and my transaction history.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint for XXXX XXXX XXXX  on my credit report as identity theft and sent over the FTC form. The collection was removed. However, when I checked my credit today it was put back on there. I have attached proof of the removal and also it being put back on there.
Product: Debt collection

This company was told that I am presently unemployed and unable to, but wanting to when I can, pay debt owed, which actually is pretty low overall. But they robocall me from XXXX to XXXX every single day of the week 5-12 times per day, despite having told them to stop calling me after it was in excess like that. Sometimes they've even been known to call 2-4 times in a row, from 1~4 different numbers. That's the other factor is they call from hundreds of different phone numbers as well, so blocking them on my end requires a lot of effort to stop their abusive harassment.
Product: Credit reporting or other personal consumer reports

Equifax reported an additional bankruptcy on XX/XX/XXXX. They placed it on my report in XX/XX/XXXX from XXXX XXXX XXXX Utah with a claim number that does not belong to me. It belongs to another person. On my credit report in XXXX for a XXXX address is correct. They updated a bankruptcy that does not belong to me and I would like this removed Asap.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I'm asking that you request from this creditor an copy of late payments that they say i have made! This is false information & i am asking that they can erase all of the inaccurate payment because it is wrong and defamation when it comes to my report.
Product: Vehicle loan or lease

I made payment for my truck on XX/XX/year> in the amount {$890.00} and I received email confirmation on XX/XX/year> that received payment since then I have been making the payments on time and they have refused to update my account and allow me online access to my account or change my due date. They have also been charging late fees and have refused to do there diligence to make the corrections to help me get the account in order instead they give me the run around and continue to charge late fees and other unnecessary fees. The sad part is every time I call I am told that my account is up to date and current.
Product: Checking or savings account

I referred two people ( XXXX XXXX and XXXX XXXX XXXX for checking accounts and they met the conditions for the referrals. 
On XX/XX/XXXX it showed in my account that I received one bonus but looking at my referral information, it showed that two bonuses were paid on my account. 
I chatted Chime on XX/XX/XXXX and they confirmed that both referrals are showing in my account and I just needed to give it more time. ( It just shows as an agent on the chat ) On XX/XX/XXXX I again contacted Chime for assistance and XXXX ( the agent ) confirmed that I was supposed to get two referral bonuses but that I would have to call and connect with a specialized team but that it would be applied manually I called XXXX and was connected to XXXX who kept looking at the wrong info and then hung up on me On XX/XX/XXXX I called XXXX and spoke with XXXX who said he wasnt sure why I wasnt getting the bonus and needed to speak to a supervisor. The supervisor said that I needed to talk to the referrers but the only requirement is getting a direct deposit which they had ( and they both had received their direct deposit and bonuses on XX/XX/XXXX ). 

Chime paid both referrers and indicated that I should have been paid with the referral info on my account and 2 representatives did confirm in writing via chat that I should have been paid 2x {$100.00} referrals on XX/XX/XXXX. Also I did not exceed 10 referrals in XXXX ( the XXXX )
Product: Credit card or prepaid card

I have a HSBC credit card and they are charging me 22.99 % interest rate. I pay the monthly bill on time. My credit rating given to me by XXXX XXXX is XXXX. How can they charge me this high interest rate, especially during a pandemic?? This is interest gouging. I asked them several times to lower the rate, but they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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
Product: Credit card or prepaid card

On XX/XX/2020 Capital One responded to my complaint as followed with the attached letter : Stating _ In order to clear the fraud concerns, we require a copy of the front and back of your government issued drivers license. 

The Documentation Verification, requested by Capital One was submitted on XX/XX/2020. A copy of my Texas Driver License front and back _ by certified mail XXXX on XX/XX/2020. 
case number : XXXX Capital One Financial Corporation XXXX stated the Texas Driver License is not legible. 
The Documentation Verification, requested by Capital One was submitted a second time on XX/XX/2020. I have submitted my Texas Driver License front and back and Transportation Worker Identification Credential by certified mail XXXX XXXX Capital One Financial Corporation _ stated that they are not legible. 

On XX/XX/2020 a copy of my Texas Driver License front and back and Federal Transportation Worker Identification Credential Card was faxed ( XXXX ) to Capital One_ On XX/XX/2020 Capital One Financial Corporation XXXX stated that they are not legible. 

XXXX
Product: Mortgage

I believe my loan is an FHA loan, but I can not find any information on that. 

My loan, which I have had since XXXX, has been transferred 3 times in the last 2 years. 

Each time, the new mortgage holder adds insurance ( escrow ) to my loan, which I have never had since the start of my loan. I have provided them all with proof of insurance, several times, however, they refuse to do anything about the insurance they have already deducted. My loan clearly states I can only be charged escrow if I do not have insurance. Again, I have given them proof several times. 

The issue began with XXXX XXXX XXXX when I put my loan into forbearance for COVID-19. I sent them letters, called, with no help. 

Due to each of these companies adding insurance to my loan, when they had proof I had insurance, by loan principal balance is at least {$1000.00} more than it should be had the payments been properly applied.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX and XXXX for FCRA Violations Regarding Inaccurate Bankruptcy Reporting To Whom It May Concern, I am filing this formal complaint against XXXX and XXXX due to their continued failure to accurately investigate and respond to my disputes concerning a bankruptcy incorrectly attributed to me on my credit reports. 

Over the past few months, I have submitted multiple dispute requests to both XXXX and XXXX, challenging the accuracy of a bankruptcy record that they are reporting to the credit bureaus. This bankruptcy is not mine, and I have repeatedly requested that they provide substantiating documentation to validate their claims. To date, I have not received any such documentation, nor have they taken any corrective action to remove the inaccurate information from my credit report. 

Moreover, my disputes with the credit bureaus regarding this erroneous bankruptcy have been consistently verified as accurate, solely based on information provided by XXXX and XXXX. This ongoing failure to investigate my disputes and the continued reporting of incorrect information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

As a result of their non-compliance and disregard for their obligations under the FCRA, I am now left with no choice but to consider legal action to compel XXXX and XXXX to properly address and resolve these inaccuracies. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that my disputes are thoroughly investigated and that the erroneous bankruptcy is removed from my credit reports. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX