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

Notice of Data Breach and Demand for Removal of Negative Items under 15 USC Code My personal information was exposed during the Experian and Equifax Data Breach, compromising my sensitive financial data. Under federal law, particularly the FCRA and other applicable statutes, I am demanding immediate action to rectify any potential damage resulting from this breach. 
Pursuant to 15 USC 1681c-2 ( Block of Information Resulting from Identity Theft ). I am requesting that you remove all negative and potentially fraudulent items from my credit report within four ( 4 ) days of receiving this notice. Additionally, under 15 USC 1681i ( Procedure in Case of Disputed Accuracy ), I am formally disputing all negative accounts inquiries, and late payments that may have been reported because of unauthorized access to my personal information. 
Furthermore, under 15 USC 1681b ( f ) Protection Against Unauthorized Use of Credit Reports, Experian and Equifax are legally obligated to ensure that my data is not accessed or used without my explicit authorization. Due to the breach, my information was compromised, and I am asserting my rights under 15 USC 1681n ( Civil Liability for Willful Noncompliance ) and 15 USC 16810 ( Civil Liability for Negligent Noncompliance ) should Equifax and Experian fail to act accordingly. I have attached a copy of the result of the scan
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing concerning Target and how they report payments as being not paid. In XX/XX/XXXX maybe XX/XX/2019 I was late and behind on my credit card payments and considered giving up and not paying at all. I quickly decided against the idea and seen on their payment page they offered a payment plan. So, after talking everything through with my wife we decided together this would be the best course for us even though we knew Target was still getting more than we would owe.But, after a few months and a totalled vehichle we needed to purchase a new one we started checking credit rteports to find out where we stood with our score. I quickly seen Target has been reporting to the credit reporting agency 's we are late with our payment. I called and spoke with several Target customer service agents and all I given was no help. I tried through credit disputes with XXXX and XXXX no help. My problem is Target allows customers to agree to these payment plans on their website and then you make the payments as agreed upon and they still report you to the credit bureus as being late which in turns cost me 20 to 30 points every month on my credit report. I am trying to pay my bills and feel bad in the first place for getting behind however I feel duped in away thanks I hope this makes since
Product: Credit reporting, credit repair services, or other personal consumer reports

An {$1100.00} debt that was charged off  in  XX/XX/XXXX  t hrough  XXXX   XXXX , was purchased by  JH Portfolio Debt Equities  in  XXXX , MO.  JH Portfolio Debt Equities  illegally re aged the account ( reporting as opened in   XX/XX/XXXX  ) and refuses to follow federal laws regarding the accurate and correct reporting of consumer financial information. I have disputed the information with each CRA and  XXXX  deleted the account due to the illegal re aging, however   XXXX   and   XXXX   did not thoroughly investigate the situation and the negative information is set to remain in my credit files well beyond the 7 year mark as a result if illegal re aging.
Product: Debt collection

I have informed this company many times in the last few years that this is not my bill. From the moment it showed up on my credit report I have tried to make them understand that I was not in the state during the time this bill came due. Credit protection said if I wanted to depute I could so I did. They then told me to drive to Kentucky from New York and file a police report in order for them to stop attempts to collect this debt. As a single mother veteran living off of XXXX I can not afford to do this and my local police department will not allow me to take action here. In the XX/XX/2018 and again in the XX/XX/2018 I contacted the company asking if they would accept a settlement because even though it was not my debt I need it off my credit report and had tried to find a way to take legal action but had come up short. Both times the company said they were unwilling to accept a settlement because I owed the debt and they had to " buy it at full cost. '' The second time I had spoke to the company in the fall I explained again that i was not in the state at the time and asked for validation which I never received.
Product: Checking or savings account

Personal check written to landlord was stolen out of the XXXX and fraudulently endorsed and cashed on XX/XX/2022. PNC opened case on XX/XX/2022. PNC never sent documents to be filled out nor would return any phone calls. Case was closed XX/XX/2022. Case was reopened after extensive phone calls mid XX/XX/2022. XXXX Police Reports and XXXX Affidavits previously completed were sent to PNC. XX/XX/2022, PNC determined that Fraud did occur but refuses to reimburse for the fraud in the amount of the check, {$2000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME
Product: Vehicle loan or lease

As per the XXXX case XXXX, the dealership XXXX XXXX XXXX fraudulently sold myself, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The bank, Westlake Services Inc/ dba Westlake Financial Services is aiding in the fraudulent activity of the dealer after being provided all necessary timely documentation. Neither of the two has paid back what was owed to me. The dealer sold the vehicle as merchantable and repair to render, when it was not, overcharged the vehicle registration fee, and signed the contract under the wrong name and license, making the contract null and void. These are the only 3 know laws that were broken by the dealer as per NYS VAT Law. I have not had a reliable method of transport for almost 2 years and would like any assistance that you can provide. I will provide a few of the necessary documents where allowed. Thank you.
Product: Student loan

This issue occurred after resolving my REPAYE certification dispute with CFPB complaint #  XXXX  where the Vice Presid ent of Loan Operations wrote a formal re sponse indicating my REPAYE certification was approved and the company would grant an administrative forbearance to cover the {$3600.00} bill due on  XXXX / XXXX /  XXXX  .     I just received  an Interest Notice from FedLoan Servicing indicating {$11000.00} in  accrued interest will be capitalized onto my loan principle on  XXXX / XXXX /  XXXX  . This is a severe financial penalty being placed on me due to an administrative error made by FedLoan Servicing. To be clear, I did not request this forbearance be placed on my account. Fedloan Servicing used forbearance as a tool to correct their mistake so that I can pay my normal monthly payment at a later date. Interest capitalization was never discussed.     As detailed in my previous complaint, FedLoan Servicing sent me an e-mail requesting I follow their link to recertify m y REPAY plan. I followed their instructions the same day Fed Loan Servicing sent me the e-mail. FedLoan Servicing administratively closed out my REPAY E recertification without notifying me and later claimed it was because I submitted the REPAYE recertification " too early ''. It is not possible to submit a REPAYE recertifiation too early or, at the very least, the company should provide notice to the borrower when their recertification application is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Discover Bank @ XXXX ( XXXX ) XXXX on XX/XX/XXXX spoke to XXXX about payments are not reflecting on my credit reports he said the account was closed XX/XX/XXXX which is not true. Monthly payments are made to Discover every month on time which is not reporting on my credit report. XXXX, show recent payment XXXX ( XXXX ) and reported that the account was closed XX/XX/XXXX as of today it still show closed .XXXX  XXXX XXXX XXXX and XXXX reporting inaccurate information.
Product: Credit card

I created a payment plan with XXXX for an online purchase ( a XXXX retail credit card through Fortiva was opened ) Id elected to have text notifications about my bill/account status and for the entire year of payment communicated with fortiva via text. 

I was notified by my credit monitoring application, soon after paying the final requested payment to fortiva, that a new account had opened. 

I contacted the company and spoke with management who stated that because I was eligible a separate account was opened for {$1000.00} with fortiva directly. They did NOT contact me via text/phone and I did NOT consent to them using my ssn to open ANYTHING!! I have given the company multiple days to correct this until today I asked via chat to have the account closed!
Product: Debt collection

I am writing to formally file a complaint against National Credit Systems ( NCS ) regarding an alleged debt that has been reported on my credit file. I am disputing this debt and requesting that NCS provide proper documentation and legal proof of assignment as required under federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 1692g.

Request for Validation and Assignment Documents : In accordance with 15 U.S. Code 1692g, I am requesting that National Credit Systems provide the following : 1. A copy of the assignment agreement between the original creditor and NCS that grants them the authority to collect this debt.

2. Proof that NCS has a legitimate right to collect this alleged debt.

3. A complete account history that includes a breakdown of the amount owed, including how the balance was calculated.

Additionally, under 15 U.S. Code 1642 ( a ), any attempt to collect a debt without proper documentation is a violation of the FDCPA. NCS has yet to provide this proof, despite my previous attempts to resolve this matter. 

Grounds for Removal : Since NCS has not yet provided the required documents proving legal ownership or assignment of this alleged debt, I am requesting that this collection be removed from my credit report under the following case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In this case, the court found that debt collectors must provide documentation that proves they have the right to collect a debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case established that failure to verify a disputed debt with sufficient documentation results in a violation of the FDCPA. 

If National Credit Systems can not provide the necessary documents, I believe they are in violation of federal law, and I am requesting that they immediately cease collection efforts and remove the negative reporting from my credit file.
Product: Mortgage

This is now the XXXX complaint that I have filed against this company. I have made quite a few phone calls to this company in regards to the unapplied account - an account used to hold money. They claim that full payment must be made- {$670.00} per month is the normal mortgage payment by the due date of the XXXX of each month. Since I filed last file XX/XX/23 and that was closed it seems that they never right sided the account. Payments of {$680.00} go to them and are recorded on the XXXX of every month if not before, followed by weekly payments of {$50.00} that, like all monies in excess, are to go to the principle of the mortgage. The paperwork for the money paid from my bank and statements will be included. I have no faith as well that any of the interest credit has taken place for early payments that were to go to the principle as the company indicated is on my record. My account, even after the closing of the last case number, XXXX, is still being marked behind with an amount of XXXX in unapplied payments being on the account. Was that the directive that was left on the account- not according to this company.
Product: Checking or savings account

In XX/XX/XXXX, a fraudulent credit card application was submitted to bank of America using my Social Security Number. Bank of America did not open the account and notified me. Sound good right. However, they added to my checking and saving account the information supplied by the fraudulent application. So the fraudulent applicant could gain access to my account by resetting the account password using the phone number and e-mail address that Bank of America added to my account. So while the Bank projected their money by not opening an account, they exposed my checking account. If they ID 'd the application as fraudulent, why would they add that information to my checking account? They basically said it was not their fault because the application had my social, but again, the issues was they ID 'd the fraud but still used the information! I removed those address from my account and did everything I could do, but Bank of America would say they would not change my contact information again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with the lack of action regarding my previous complaints regarding invalid and unauthorized negative accounts on my credit report. Despite multiple attempts to resolve this issue, these negative items remain on my credit file, tarnishing my creditworthiness and causing significant distress.
Product: Debt collection

Professional Credit Management XXXX XX/XX/2017 Has purposely done this on purpose. Because I challenged them on my credit report and they never responded but still on my credit report a 609 fair credit report.
Product: Debt collection

I contacted Contract Callers Inc with a Validation letter sent via certified mail. I received their response via mail XX/XX/18 which did NOT include any signed documents/contracts as evidence I agreed to pay them any amount of money they say I owe. 
They have refused to remove this inaccurate info reported in my credit file with XXXX, XXXX, & XXXX which is a clear violation of the FRCRA & FDCPA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXX XXXX XXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXX XXXX XXXX account. This complaint specifically pertains to the credit file maintained by TransUnion, XXXX, and XXXX. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : XXXX : Reports a 30-day late payment for XX/XX/XXXX. 
XXXX and TransUnion : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by TransUnion and XXXX, but {$0.00} by XXXX. 
Payment Amount : {$64.00} ( TransUnion and XXXX ), {$100.00} ( XXXX ). 
Last Verified Date : TransUnion : XX/XX/XXXX ; XXXX : Not reported ; XXXX : XX/XX/XXXX. 
Date of Last Activity : TransUnion : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
Date Reported : TransUnion : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information.

15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful.

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the reporting of false or misleading information regarding a consumers debt.

Requested Resolution : I request the following actions be taken : Conduct a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( TransUnion and XXXX ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX
Product: Debt collection

When I called to understand their fees they provided little to know insight. I tried to work with the cell phone companies but they refused to work with me.
Product: Debt collection

AFNI is listed as a collection account on my credit file for the amount of {$1000.00}. I NEVER received any written notifications or calls from this company advising of the alleged debt.
Product: Credit reporting

Equifax took more than 60 days to complete a credit investigation which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number : XXXX
Product: Credit card

I had an unauthorized charge on my chime credit builder card for a company that I had never heard of on Saturday XX/XX/XXXX for {$49.00}. The charge was from XXXX XXXX XXXX. and when I called chime to dispute it in less then 24 hours of the dispute being filed they denied the claim and said the charge was valid and that I would not be getting my money back. This dispute was filed with chime on Mon XX/XX/XXXX after the charge was no longer pending. On Tuesday XX/XX/XXXX I filed a rebuttal on the dispute and for this charge I also asked for information on why they denied the dispute and they could not give me an answer. Today Wed XX/XX/XXXX I got notified that the rebuttal was also denied and that I would not be getting my money back for the unauthorized charge to my account. Also when I tried to contact the number on my statement connected to the unauthorized charge you either can't get to a live person and are waiting for them to pick up on hold for 18 minutes and then the call discounts and the one time I did get a live person they refunded to help me because I could not provide them with customer based info because I was not a customer of theirs and they hung up on me.
Product: Debt collection

Jd Stuart law firm began calling me about a  XXXX  XXXX XXXX card, I didn't think I owed. A lady from the center for aging, talked to me after I complained. I received some paper work from them about XXXX  XXXX XXXX and another law firm said I owed XXXX XXXX. The next thing I know j d stuart is suing me over a XXXX  XXXX balance, My father had been very ill and died in 2017, I didnt do any shopping. When I called a very rude lady said that I could " make this go away '' if I paid up now, or it would cost me XXXX dollars and the bill is XXXX, I am a nurse and work for the DOD, they have called and harassed me about another card. The next thing I know a deputy is at my door and they are serving me with papers. I work 10 hours a day as I am a covid tracker, and now they think I have XXXX of the XXXX. J.D Stuart is aware of this as I told them and they continued to harass me. Further more I have not heard from XXXX XXXX or anyone else about this except that other law firm
Product: Credit reporting or other personal consumer reports

" I've noticed several attempts to obtain credit and loans in my name, all within a single day, despite not being responsible for these actions. It appears that someone has fraudulently used my identity to apply for financial products without my consent. I'm deeply concerned about this unauthorized activity and would like to take immediate steps to address and DELETE THE INQUIRES ON MY CREDIT THAT I DIDN'T DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : BANK OF AMERICA XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit card or prepaid card

American Express Blue Bird is holding money that I didnt authorize. The sum of XXXX. Im stranded with no way home. They did the same thing to me three weeks ago. They will not work me at all. The keep my money and wii not help.
Product: Checking or savings account

I was locked out of my account I provided every Identification document necessary.

They won't send me the text message to access the account. I get messages from everything else. I've tried three devices and three phone numbers from three different carriers. 

XXXX messages later I asked to close the account and mail me a check with the funds. They refuse