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

I have disputed the loan balance of my student loans which have been paid in full with documentation to prove it from the Department of Education. XXXX as of XX/XX/ has not updated the loan balance on my credit report even though I have disputed it. Experian on XX/XX/ reported that the investigation of my dispute of the loan balance returned as verified even though the information is completely outdated. XXXX on XX/XX/ verified that the information is accurate even though it is completely wrong.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time. I do not understand why there are late payment reported on this account.
Product: Credit card or prepaid card

Comenity bank allows their users to lock their cards. On XX/XX/2020 I locked my card and stopped any all recurring payments.On XX/XX/2020 I was charged {$34.00} and XX/XX/2020 I was charged {$64.00}. I had trust that Comenity 's system worked, so I did not know about these unauthorized charges until XX/XX/2020 when Comenity sent me an email stating that a technical issue unlocked my card. 
I confirmed that my card was unlocked and used. I reported this information to Comenity TWICE. Twice they opened a case for me and twice they have decided that they were not at fault. 
In retaliation, it seems like my credit limit was lowered to a limit of {$750.00}, even through I just paid off {$1000.00} on XX/XX/2020 and have never had a late payment with Comenity.
Product: Credit card or prepaid card

I'm a American Express SPG card holder and am writing to report about American Express 's false advertising for their credit card products. As a XXXX SPG card holder with card # ends in XXXX, I received an invitation while I was logged into my online account to add additional cards to my SPG card. Per the terms and condition, after each card spend {$1000.00}, I would earn XXXX  star points for each additional card. As a result of their advertisement, I added 4 additional cards on XX/XX/XXXX expecting to receive XXXX star points in total after meetings spending requirements by XX/XX/XXXX. To my disappointment, so far I have only received XXXX  Starpoints and the rest of XXXX  Starpoints are still missing. Per my contact with American Express since XX/XX/XXXX, not only do they fail to explain why they haven't fulfilled their advertising terms, but they also refused to give me a clear timeline when the points will be deposited. I think this constitutes false and misleading advertisement because I added the additional cards and made extra spending purely for the sake of the advertisement, had I known that American Express would not fulfill the advertising terms, I wouldn't added the additional cards in the first place. I would like to see XXXX   star points deposited to my account asap.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from TransUnion, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi last time im called XXXX  and made freez for my credit cuz some one use my information but still im got hard inqure from barclays bank delaware
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my XXXX and Experian credit reports, I have previously filed disputes that were resolved regarding a debt with XXXX XXXX XXXX as well as XXXX. These disputes were successfully resolved on my credit reports with XXXX and XXXX but were recently added to my credit file again. 

I filed disputes with XXXX once again regarding the same matters since the previous collections agency that acquired the debts sold those collection accounts to new agencies which were then again added to my credit file. 

XXXX ruled in favor of those collection agencies and the results stayed on my credit file which are preventing me from gainful employment if a government agency. I requested the evidence and supporting documentation from XXXX and they have failed to do so. 

15 U.S.C 1681a I ( 2 ) under the exclusions sections states that a consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The bureau and creditor is in violation of this FCRA law. 

The previous reports ' confirmation numbers I have made with XXXX are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Above may be some successful instances where I have had XXXX remove this information from my credit before, if I have succeeded with previous disputes regarding this information before, the derogatory information should not be re-added to my credit report with different collections agencies.
Product: Credit card or prepaid card

Without any prior notice, Capital One closed my credit card account due to inactivity. While it is true I have not used the card in some time, I would have never allowed the card to be closed because it is my longest standing credit card at 14 years. My account with Capital One has always been in good standing and never delinquent. When I contacted the company on XX/XX/2019 they said there was nothing they could do to reopen the account and now my Average Date of Credit for credit score reporting purposes will decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX in regarding to debt validation to no avail. I want to get this account cleared up and reporting accurately on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX, XXXX  XXXX {$450.00} XX/XX/XXXX, XXXX  XXXX {$610.00}  XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX inquiry XXXXXX/XX/XXXX-XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX XXXX -XXXX   XXXXXX/XX/XXXX I sent police reports and they still will not remove victim of fraud
Product: Credit reporting or other personal consumer reports

To whom it may concern, after recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. Capital One -Account # XXXX From XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences XXXX me the consumer and any person making a report. Furthermore, I never gave any consent for these alleged transactions. These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b
Product: Credit reporting or other personal consumer reports

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX, Experian and XXXX to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Product: Debt collection

XXXX abused me as XXXX and promised to delete the negative report if the account paid in full. The account was paid in full on XXXX/XXXX/2015 {$250.00} and it still shows as in collection. I want my negative report to be removed as promised since I was abused from the XXXX credit bureaus. XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i send the letter on XX/XX/2019 to experian about Identity Theft and i enclosed the police report detailing the investigation with the process
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

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 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 HERE IS THE LIST To my knowledge there were inquiries with transunion, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate late payment reported on my Experian credit report related to my XXXX XXXX XXXX  account ( Account Number : XXXX ) in XX/XX/XXXX and XXXX XXXX  ( Account number XXXX ) in XX/XX/XXXX. According to my records, I have always made my payments on time, and this late payment notation is incorrect. For XXXX XXXX, my car was totaled and paid off by the insurance and I assume that there was a delay in insurance payment to pay off the car to the creditor ( XXXX XXXX  ). 

Additionally, I have attached copies of my drivers license and passport as proof of identity. 

I request that the Consumer Financial Protection Bureau investigate this matter and work with XXXX XXXX XXXX XXXX XXXXXXXX and Experian to remove this erroneous late payment from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly ask for a response within the legally required timeframe. 

Please confirm receipt of this dispute and keep me informed about the status of the investigation. If further information is required, feel free to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : Experian Credit Report XXXX XXXX report ( XXXX XXXX  ) Copy of Drivers License Copy of Passport
Product: Money transfer, virtual currency, or money service

I signed up for an account with XXXX, they asked me for information to start my account and then allowed me to collect sales. Once money was in the account they were supposed to " settle '' my account my direct depositing my earned funds into my business account. A couple of days after the deposit was not made I received an email stating that they could not verify my identity. I sent all the required documents and still no disbursement.
Product: Credit reporting or other personal consumer reports

I have been disputing this debt for months due to several inaccuracies. By law, correct and valid information should only be reported. 

This is in violation of codes : 15 USC 1681e ( b ) 15 USC 1681i ( 5 )
Product: Payday loan, title loan, or personal loan

I was charged for a loan i did not authorize or have no knowledge of. I was charged in my bank account for the loan and iam in debt with the collection agency. A speedycash associate had my personal identity information and he stole my identity to take out a loan with my information he used used my debit card information for loan payment i never authorized speedy cash to take out a couple of loans with my identity or debit card. I have bank statements showing the loan number and how much was debited out of my bank account and transactions that were overdrawn from my account. Speedycash denies the multiple accounts that are were in my name and says only one is in collections. I paid money to the collection agency for them to remove the account but they still refuse to remove the negative fraudulent account from my credit and i did not open a new loan in XXXX or XX/XX/2022. I only opened a loan in XX/XX/2022 and XX/XX/2022. Which i paid off a total of {$6.00} plus {$170.00} and overdraft fees of {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the last 3 months late. Im actually enrolled in a consolidation program that is making monthly payments to XXXX XXXX so there is no way this account is behind. XXXX XXXX XXXX has a late mark for XX/XX/XXXX. Not only is this over three years old, but I have been in college for the last 5 years and finally graduate next year with my XXXX in XXXX XXXX XXXX. This is incorrect as I have not been required to pay my student loans while still in college. XXXX XXXX XXXX, my Credit Card was stolden in XX/XX/XXXX and I was issured a new credit card. Somehow my credit card doubled in just late fees and became out of control. I tried to work with the company but they would not offer any financial assistance programs to lower my payments as I was willing and wanted to pay but just couldnt as it was made impossible by XXXX XXXX. I then set up XXXX XXXX in the XXXX XXXX XXXX XXXX as requested by XXXX XXXX we made a {$60.00} payment to be considered for this debt program so I could make lower monthly payments. However my XXXX bill reflects the {$60.00} payment, but was immediately turned over to a C/O when I already made arrangments to pay. I was not given any time to make this account right and have the hundreds of dollars in late fees removed so I could actually pay the credit card company the amount I charged. Now over half the bill is just charges, no actually charges were posted to this credit card after my replacement credit card in XX/XX/XXXX. 2nd XXXX XXXX XXXX XXXX, This account is currently enrolled in XXXX XXXX XXXX and has been paid every month on time. There is no late payments as XXXX XXXX agreed to be enrolled in the debt program and get monthly payments like XXXX Credit card. American Express account was closed in XX/XX/XXXX and charged off in a bankruptcy that is over 2 years old.  This doesnt not need to negatively impact my credit score or have any negative comments as this was not a neglected account. I was granted a bankruptcy by a judge which I paid for the bankruptcy so I wouldnt have late payments or a charge off reported. I tried to do the right thing with what I was able to do at the time. I just got this American Express card and my exhusband got ahold of my credit cards and maxed it out. Once I was divorced I filled for thousands of dollards in debt do to my 4 month marriage to a XXXX XXXX that took advantage of my perfect credit. I 'm still paying for that short mistake to this day. XXXX XXXX XXXX-XXXX DOCKET #, there is no benefit to any for this to be displayed on my credit report. It state date paid was XX/XX/XXXX. Please remove this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 A Section 2 : It also states a consumer 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 adverse item of information, other than records of convictions of crimes 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 they person knows or has reasonable cause to believe that the information is inaccurate. 

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address.

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.
Product: Credit card or prepaid card

USAA letter enclosed 1099 C form Cancellation of debt XX/XX/13 Masrercard Account XXXX DEBT DISCHARGED please note FOR INFO THIS FORM CALL XXXX This automated message " A 1099 C  form means your debt is no longer owed and any one trying to collect is against the law '' USAA PLEASE LISTEN TO YOUR OWN MESSAGE AND STOP DESTROYING MY CREDIT BY NOT CLOSING THIS ACCOUNT. Please read your documentation of cancelled discharged debt AND PLEASE START TELL THE TRUTH TO CFBP You just responded to this telling CFPB and me you have every right to collect what is not owed
Product: Credit card

I have consistently made sure that payments on this account are made on time, avoiding any overdue amounts. However, I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Debt collection

The accounts attached in the file are medical related accounts that do not belong to me. These accounts are extremely damaging to my credit score and I have been denied credit due to MEDICAL accounts I do not owe and do not belong to me. This violates the FCRA, HIPAA, and even if the accounts belonged to me, this would be a Breech of Security due to the fact that medical information were released to third party companies. THat would be a Breach of Security! Please remove these accounts as the Original Creditors nor collection agencies are able to provide documentation or a contract showing that this debt belongs to me. There are no wet signatures or contracts under my name that say I owe this debt. This could belong to another XXXX XXXX. Please REMOVE THIS IMMEDIATELY as it is a {$1000.00} fine for each violation I DO NOT CONSENT TO XXXX or any other automated verification system! If verified, please provide names, contact information, and actual documents used to verify!
Product: Credit card

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX XXXX XXXX XXXX XXXX : {$270.00} Claim was provided because goods were never provided by the merchant. Goldman Sachs says they investigated and didnt have evidence to support my claim. I dont know how you would show something that you never received, but it is illegal to force a consumer to pay for a food they were charged for and never received.
Product: Debt collection

Calvary Spv I, Llc has filed a lawsuit in the XXXX County Municipal Court in XXXX Ohio onXX/XX/XXXX, Case No. XXXX. This lawsuit cause of action is contract/note in the claim amount of {$3000.00}. Since XX/XX/XXXX I have sent multiple letters in correspondence to the plaintiff in the case requesting for proof of a contractual obligation to pay said company. During this correspondence I was never provided the requested documentation and was never advised of a pending lawsuit prior to receiving the notice that a complaint had been filed. After receiving the notice of complaint I responded onXX/XX/XXXX with a request for production which was sent to the plaintiffs assigned counsel, XXXX XXXX at XXXX XXXX XXXX, XXXX, KY XXXX. A copy of this request was also sent to the XXXX County Municipal Court for filing. To date I have not received any documentation showing a contract/note in place with Calvary Spv I, Llc. I have responded to all letters from the plaintiff within 30 days of receipt of all letters which requires them to provide a response to my verification request. Calvary SPV I, LLC is listed as a creditor on the most recent letter that I have received from the plaintiff. If they are a creditor that means that they would have offered me credit in exchange for some product or service. If this transaction did take place they should have a signed contract or note bearing my signature with terms, conditions, and a itemized listing of what product or service was exchanged for the extension of credit. I have not received any such documentation to date and now I am being sued and this information is also still listed on my credit report.