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

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Account zelled without permission to a random person and I couldnt get my money back. They said once you Zelle you dont get it back your money is gone right away.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of my disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward. Consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures online with my experience where Experian and XXXX has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as Experian and XXXX inaction violates federal law in my rights as a consumer.
Product: Debt collection

I contact Receivable performance on approx XX/XX/2020 about a notice that I received that I owed XXXX XXXX. I asked for validation NOT verification letter. Attached you will see letter I received from Receivable Performance. I contented that it did not meet FRCA standards, that require validation not verification, There I want this item removed from all credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX  account XXXX, XXXX XXXX account 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 agency can not furnish a account without my written instructions. 

Equifax In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account xxxxxx 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 a account without my written instructions. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Collections and XXXX XXXX violated my 609 rights by reporting incorrect information to TrainsUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXXXXXX -XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  and XXXX   XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.
Product: Debt collection

FIA Card Services was collecting on a credit card I had from BofA. FIA sought a judgement and won. I later settled the judgement yet it is still showing on my credit report as not satisfied. I have contacted the credit bureaus and can not get it removed or at the least correctly reported.
Product: Credit card or prepaid card

On XX/XX/XXXX I was checking my Discover Card statement I noticed two separate charges at XXXX that I did not purchase : XX/XX/XXXX XXXX STORE - # XXXX XXXX MD XXXX XXXX {$350.00} XX/XX/XXXX XXXX STORE - # XXXX XXXX MD XXXX XXXX {$420.00} From what I could tell someone accessed my XXXX online account which had my discover card in it. They made these two separate purchases and then picked them up in store, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

I disputed the charges with Discover right away ( XX/XX/XXXX ) stating I did not make these purchases and the quickly reversed the charges. However once they spoke with XXXX, XXXX provided them with the receipts for the purchase which Discover deemed valid and then re-charged me. I received the dispute case closure notifications on XX/XX/XXXX and XXXX for each charge. 

I have since sent a notarized form to XXXX also disputing the charges. I received a response on XX/XX/XXXX from XXXX just stating the same thing saying it was valid and I need to follow up with Law Enforcement. 

On a side note on XX/XX/XXXX the person returned one of the items at a different store, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX, and I did not see that return charge on my Discover Card. 

So as of right now I have been charged {$780.00} for items I did not purchase.
Product: Credit reporting or other personal consumer reports

I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.
Product: Credit reporting or other personal consumer reports

I Reviewed my consumer report and noticed that i had 1 late payment on an account that I was never late for consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of thier liability with maximun acuracy. I have never been late on payment OF the account # XXXX from XXXX XXXX. Please invenstigate and provide proof wirh statement showing that this payment were late. If proof can't be provided I demand these payments be update to on time as they should be as I was NEVER late. 
Eventhought this account was payeed totaly. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via certified mail to TransUnion on XX/XX/2021 which was received by them on XX/XX/2021. I have yet to receive any updates on my dispute and furthermore have been checking my report periodically and none of the items disputed are even in dispute status on my report. It has been almost 2 months and this is the second time I have complained about disputes to TransUnion not being completed. Last time I made a complaint of the same issue and they responded that they would then enter the disputed information which a couple months had already passed since they received it then. Unacceptable and against the law. I will include the attachment of the letter that was sent as well as the tracking information which details it was indeed received by the company.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

This is a new complaint and is related to my complaint # XXXX. 1st Bank did in fact reverse the fee which is good but what they did in order to do that was completely delete a payment I had staged to go out on XX/XX/28 for XXXX 's mortgage payment. 

What they neglected to do is notify me immediately that this was done via email, text or phone call so that I can have the opportunity to setup another payment for XXXX. 

If I did not happen to login to their website and notice this, I could have missed XXXX 's payment which would have caused a late fee and a derogatory credit report statement.
Product: Mortgage

During my mortgage transfer, the gaining loan servicer had poor customer service and misapplied my payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX  ] {$26000.00} XX/XX/XXXX Dear [ XXXX, EXPERIAN AND XXXX ], First I would like to say that the company provided no proof of alleged debt. Secondly, they sold the debt in which I would like them removed considering they sold the debt per letter they sent on here. Theyre saying they dont even have the debt anymore. 

I am writing in response to a notice I received regarding an alleged debt with your company. I hereby dispute this debt in its entirety and request verification under the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX My information may have been impacted by the XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person XXXX ( XXXX ) Impact : XXXX XXXX people Details : XXXX, one of the largest credit reporting agencies, suffered a breach where personal data such as Social Security numbers, birthdates, addresses, and drivers license numbers were exposed. 

XXXX XXXX ( XXXX ) Impact : XXXX XXXX guests Details : XXXX XXXX guest reservation system was compromised, exposing passport numbers, credit card details, and other personal information of hotel guests.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> I didn't authorize this inquiry please remove federal trade report number # XXXX
Product: Money transfer, virtual currency, or money service

A scammer pretending to be a seller asked to send money using XXXX. An email was sent that the transaction needs to be of {$500.00} for business account. Sellers send {$500.00} with the option that I refund the {$300.00} overpayment. Received email from XXXX indicating the process. I never received the money and They received my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for several months with Experian & XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. XXXX XXXX {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an account reporting fraudulently with a social security number variation on my personal credit file with Experian. On XX/XX/2018 I received an email notification from Experian saying my dispute was ready to be viewed. Experian states the dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. I am no longer able to dispute this account with Experian. I had a previous problem with identity theft last month and no choice but to file an IDENTITY THEFT REPORT with the FTC. As I am allowed to add more accounts to my IDENTITY THEFT REPORT I have since done so with the original creditor XXXX XXXX for putting this account and fraudulent social security number on my credit file. Since Experian will no longer all me to dispute this account I have to rely on CFPB to make sure they abide by the law. I have included my FTC IDENTITY THEFT REPORT and all required stated information in the report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of certain negative items currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the information reported is accurate and verifiable. After reviewing my credit report, I found multiple discrepancies that I believe require immediate investigation and removal. 

It has come to my attention that : TransUnion is reporting XXXX negative items, XXXX is reporting XXXX negative items, and XXXX is reporting XXXX negative items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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: Debt collection

Account isn't mines. I never dealt with this company. Also can you show me my signature or a letter of validation for this account
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 reporting

EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Product: Mortgage

Sales Manager keeps asking for same info repeatedly and some info that can not be obtained. Have been supposed to close on the loan for past 5 weeks and still nothing. They have everything I can give and what they have asked for has been sent 2 or 3 times already.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report and I don't know why. While checking my credit report as I normally do, I noticed unusual discrepancies. I refreshed my browser, hoping it was a temporary issue, but the incorrect accounts persisted. Therefore, I am asking for a detailed review of the documents I've sent to ensure this issue is resolved once and for all.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit score on XX/XX/2024 using XXXX 's credit score system and I notice that my score had a drastic drop but I do not recall any late payment for any accounts. I had this happen to me last year in XXXX with the same issue as well. When I requested a credit report from XXXX I saw this account that I have no knowledge of under adverse account. The account was for SUNRISE CREDIT SERVICES XXXX with a balance of {$600.00} with the original creditor being XXXX I already filed an account dispute with XXXX and believe this might potentially be action made by someone impersonating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX   they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX/XXXX  XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX I XXXX {$3400.00}
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 or other personal consumer reports

I checked my credit report and its shwoing unauthorized inquiries on my consumer report. These unauthorized inquiries were from XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and they need to be removed immediately according to FCRA 18 USC 1028A.