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

I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by XXXX XXXX XXXX. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/2023 my credit score was unable to be calculated through Equifax. 
I reached out to Equifax and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a XXXX with Prosper. I was getting ready to make my annual trek to XXXX. I processed an electronic ACH payment from my credit union account to my credit card so I could use it. Prosper received the payment on the XXXX. Today is the XXXX and the payment still has not posted. When I called Prosper, they informed me it will take 5 business days for the payment to post. When I asked why, I could not get a straight answer other than they had to wait to ensure the funds were good. This is an electronic payment where the money was pulled from my account, processed through and electronic ACH clearing house and sent to Prosper. The money is good. When I asked to speak to a supervisor, none were available. By the time they post the payment, I'll already be back home. Their business practice is contrary to all Federal ACH laws.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX # XXXX XX/XX/XXXX -- {$240.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute Regarding Inaccurate Credit Reporting Dear Sir/Madam , I am writing to formally dispute the accuracy of the information contained in my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The last XXXX digits of my Social Security number are XXXX. 
The account in question is XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It has come to my attention that a charge-off has been reported on my credit report. According to the law, charge-offs are considered income, and I should have received a 1099 form. However, I have not received a 1099 form related to this charge-off.

I believe that this charge-off is being inaccurately reported and is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you investigate this matter and remove the inaccurate information from my credit report promptly. 

Here are some relevant FDCPA laws that govern the reporting of charge-offs and the accuracy of information : 15 U.S.C. 1692e ( 8 ) - False or Misleading Representations : This section prohibits debt collectors from communicating or threatening to communicate credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

15 U.S.C. 1692e ( 10 ) - False Representation or Deceptive Means : This section prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

15 U.S.C. 1692f - Unfair Practices : This section prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S.C. 1692g - Validation of Debts : This section outlines the requirements for debt validation and verification. Upon disputing a debt, the collector must cease collection until they provide verification.

15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section of the FCRA mandates that information providers must report accurate information and correct and update information that they have furnished to a credit reporting agency that is not complete or accurate.

I respectfully request that you : Remove the inaccurate charge-off entry from my credit report.

Provide written confirmation of your actions regarding this dispute.

Please note that the law requires you to investigate my dispute and respond within 30 days. If the investigation does not resolve my dispute, please include a statement in my credit file and in future reports that the account is in dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Attn : Dispute Dept.

To whom it may concern, Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. 

My goal is to correct the record on file. 

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

Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.
Product: Debt collection

The accounts Midland Credit Management is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Product: Credit reporting or other personal consumer reports

UPON ME LOOKING AT MY CREDIT REPORTS NOTICE SOME ACCOUNTS THAT APPEAR TO BE FRADULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Ocwen Mortgage in XX/XX/2018 because I was having some financial difficulty. They set me up on a repayment plan in which I have made all payments on time. Ocwen has been reporting me on all three credit agencies as 60 days late. Ocwen never disclosed that if I opted for the repayment plan I would be considered late and that would be report to the credit bureaus as late. I feel that was unfair and they did not provide informed consent. I contacted Ocwen several times to no avail
Product: Credit reporting or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 reporting or other personal consumer reports

Under FCRA, the same debt is not allowed to be collected from XXXX companies. XXXX XXXX XXXX XXXX ( XXXX ) is in violation of FCRA by reporting a balance due and collection status although they sold the debt in XX/XX/year>. 
Due to their violation of FCRA, I request that you immediately and permanently remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because the credit bureau, Experian, is reporting a debt for XXXX XXXX  inaccurately. It was included in Chapter XXXX bankruptcy. I contacted Experian years ago about this and it was removed. The creditors received notification from the bankruptcy court that my Chapter XXXX debts were discharged. Unfortunately, since my bankruptcy was discharged over 10 years ago, I no longer have all of the records to locate the date of when Experian was contacted and when the debt reappeared on my credit report. I only realized recently when I pulled my annual credit report. Along with this complaint I am uploading a screenshot of the XXXX XXXX debt which was included and discharged in my bankruptcy. On that screenshot you will also be able to verify the bankruptcy case number and the date that document was filed to the courts. I am also uploading a copy of my chapter XXXX discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with XXXX  XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named XXXX XXXX XXXX  who governs the XXXX  XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX  XXXX XXXX checking or business account! Please help thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  {$7700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am absolute furious at Chase Bank for their complete lack of effort or responsibility for damaging my credit. I had set up automatic payment with Chase for a number of accounts. Including XXXX XXXX, XXXX XXXX, XXXX. I had scheduled all my payments almost a week in advance of being due and payments were still received 8 or more days late due to their internal system screwing up. They were suppose to claim responsibility for the errors they have made and were to also cover any added fees from the error. They have refused to do so and have turned a blind eye to the issue. They have destroyed my credit and making my life miserable.I am extremely fed up of having to argue them about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made all my payments to Home Depot within the 30 days due date as I mailed most of my payments. I got a call from an agent who then told me he would waive a late fee for the payment that was due of XXXX. I made the payment minus the XXXX. Home Depot reported the payment as late even though I was told it was being removed. When I called to complain the rep told me they add the late fee to the payment due but then refund it to the account they do not remove it from the payment due even though they added it to the payment due. Also they reported XX/XX/XXXX was 30 days late which it was due the 23 and paid on 8 days later. I have proof of payment. 
Also I pulled all of my statements and Home Depot is charging me late fees the same day my payments are due so they can wrongly report payments late and collect XXXX dollars for payments on time. 
It shows this in my statement. I want Home Depot to follow the fair debt collection act and the fair credit act by reporting my payments on time as they were on time within the 30 day period. If I mailed my payment in and they failed to apply the payment accurately then that is not 30 days late. I want this corrected on my report because it's false reporting.
Product: Checking or savings account

Myself and several other Bank of America customers that bank with a XXXX XXXX XXXX XXXX in XXXX XXXX are having a very difficult time transferring funds between Bank of America and XXXX XXXX  ( XXXX # XXXX ). Anytime we try and put in the routing number of XXXX XXXX  we get the message that it is " not in our directory ''. XXXX XXXX  is an FDIC regulated, American financial institution and has been in business since XX/XX/2019. We have been trying since XXXX to get Bank of America to update their ABA directory to include the newest ABA numbers issued. Because they feel the need to not update this database, several mutual customers are inconvenienced and unable to transfer funds between the two banks.

All I want is someone from the correct department to handle this request and get the ABA added to their directory so mutual customers are able to transfer funds between banks.
Product: Credit card or prepaid card

I tried logging into my Capital One credit account and it didnt let me so I called the directly and after giving all of my information to them they said they cant tell me but the account has been closed. I asked when was it closed he said he couldnt tell me that I asked about the payments and money that I pay monthly he said he cant talk to me about this account I then asked again why this account that was in perfect standings was closed and he replied that he could no longer talk to me about this account. I have recently paid them as I do monthly as would like a explanation and a refund on the money that I have given this company. It also shows on my credit report that is was closed. My account Once again has always been in perfect standings and all I was trying to do is go on my app and make a payment. Now I have money that Im at a loss as well as a company that wont talk to me at all or give me details after providing my ssn number dob full name.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under SARMA Collections Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct..
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
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 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 information relating to any transaction by the consumer. 
XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX  XXXX Balance : {$840.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$8900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

Discover took my financial aid for my schoolbooks and closed my account. I was angry because I have no missed payments for 2 years so I said close the account. I then remembered that I just put {$500.00} on the card to pay for my schoolbooks so I changed my mind. The woman asked specifically if I still wanted her to close the account because she had to read the disclosure and I hung up. Now I can not purchase my books. They took my financial aid and closed my account in good standing preventing me from getting my online course material. My GPA is ruined because where I have to take online courses, they are only 8 weeks, and my financial aid is ruined and all they say is heres an address. Write them. I did not have the time to waste being an 8 week course and this will make a whole week missed in 3 different classes. I guess the time for haste has passed but I feel it is wrong and morally wrong. My whole life is ruined because they closed my account and they want me to write a letter and mail it.