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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I don't recall having a contractual relationship with JEFFERSON CAPITAL SYSTEM Account Number : XXXX and XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

Three times I have tried to pay my credit card debt. Twice,  CapOne  has been unable to process payment. There is no response to the third attempt. This page summarizes the events. Numbers in brackets refer to documents, a ttached. All dates are in 2017.  I trust you can help resolve this situation.     First Attempt On  XXXX   XXXX  I mailed a check for {$9100.00} to CapOne [  XXXX ,  XXXX  ].  CapOne  acknowledged receipt [  2 ]    The check was drawn on my  XXXX   XXXX   XXXX  Account (  XXXX   ) . I have used that account for years to pay major bills ; e.g.  Federal, State, and Municipal taxes. I also use it to p ay my  XXXX   XXXX   XXXX  card in full every month. Never a problem -- until  Capital One.      On  XXXX   XXXX , I phoned Capital One to inform them I would be in  XXXX   XXXX   XXXX . From the recorded message, I learned that my account owed {$9100.00}. I called the credit card assistance number. The representative informed me that my check had been returned for insufficient funds.     I stated that couldnt be true. The representative then initiated a conference call to my broker,  XXXX   XXXX   [  3 ].  XXXX   XXXX  stated no check had been presented by  CapOne  to  XXXX . Furthermore, he stated there was plenty of cash available to cover the amount. The check would not have been returned for insufficient funds. The CapOne representative referred the matter to Research and stated it would take  2-3 wee ks.     Upon my return from  XXXX  on  XXXX   XXXX , I received a report [  XXXX ,  XXXX  ] stating my check had been returned for insufficient funds.. But there is no evidence of submission to   XXXX   or return.     Second Attempt While in  XXXX , I checked my email on  XXXX   XXXX . There was an email demanding payment by  XXXX   XXXX   [   5  ]. I immediately phoned and offered to pay the full amount by wire transfer to any bank Capital designated. The representative insisted they couldnt do that. The best I could do was pay {$91.00} in interest [ 7 ].     Third Attempt On  XXXX   XXXX , upon my return from  XXXX , I wrote to  XXXX   XXXX   XXXX , Vice President of Customer Management, and enclosed a check for {$9000.00}, my debt less the interest paid [ 1 ]. Again, I used my  XXXX  account since it has sufficient funds. I have received no reply. Meanwhile,  Capital One  has demanded that I make a minimum payment by  XXXX   XXXX   [ 6  ].     Conclusion   1.I want to pay my debt in full. ( It was a single transaction by the way. ) 2.I do not want my credit damaged.
3.I do not w  ant to pay interest and penalties since the problems appear to lie within  Capital One.
Product: Checking or savings account

On XX/XX/2024 I withdrew {$500.00} from my checking account at a chime ATM inside of a XXXXXX/XX/XXXXXXXX I then withdrew another {$500.00} but inadvertently left the second withdrawal of {$500.00} in the ATM machine. I spoke with a chime representative and was told to open a dispute which I did and was quickly denied my funds to be paid back. I then called back to try and reopen the dispute which they said they did. But they also said they were going to send the documentation from the dispute investigation explaining how they determined the results of the investigation which they did not. I highly suspect it was not reopened because it was not listed as an open dispute on my account like the first one was. I should also add that when I spoke with the first person on the XXXX at chime the lady said she was aware of the fact that I did not receive the money and that it got brought back into the machine. I should also add that the day I withdrew the money on the XXXX I asked the XXXX of the store if we could look at the cameras to make sure nobody came by and took the money which he did and nobody had come up to that ATM machine again since I've gone back to it a few minutes later
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have been getting numerous late payment fees even though you can clearly see in my payment history that I have paid OVER the amount due. I am now paying for late fees that are invalid. I can not speak to anyone because the customer service phone number doesn't work. I honestly feel like they are being shady and not following proper protocols. 

When calling their customer service the robotic AI fails every single time no matter what options I pick and XXXX XXXX 'm sorry I'm having difficulties visit our website for information ' and hangs up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alot of hard impacts are effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently rejected for employment I'm assuming for the following reasons. ( please see attachment for further details ). 

Because of the multiple inaccuracies and violations on my credit report my recent employment application was denied for adverse action. This is the 4th time this has happened because of the multiple inaccuracies mentioned in my credit profile. 

( XXXX XXXX XXXX XXXX ) currently reports Unverifiable account balance & reaged account. A violation ( XXXX XXXX XXXX ) / XXXX XXXX XXXX  ; This balance is inconsistent but also Unverifiable, and inaccurate. A violation ( XXXX XXXX XXXX ) does not reports first date of delinquency a violation. 

( XXXX XXXX ) unknown account, Unverifiable ; violation ( XXXX ) -unknown account Unverifiable ; violation ( XXXX XXXX XXXX ) first date of delinquency not reported, last payment not reported correctly. Violation
Product: Credit reporting or other personal consumer reports

I have requested that Transunion investigate The account name XXXX  on my report. 
They have failed to provide proof as requested. The company and transunion Have both ignored my request.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly review my credit report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Because of this, I am requesting a thorough review of the documents I provided so that I no longer have to worry about this issue.
Product: Debt collection

The following furnishing persons have violated my consumer rights XXXX # XXXX XXXX XXXX XXXX, under the flowing : 17, cfr 248.124 reasonable opportunity to opt-out, Title 13 proof of a contract agreement 15 usc 6802 -05, 5 usc 552a Privacy act of 1974, 15 usc 1681 { b } SSA Consent Permissible purposes of consumer reports 18 usc 1029 knowingly participating in unauthorized access to a credit devices 15 usc 1644 fraudulent use of credit cards. By advertising unauthorized accounts on my XXXX, XXXX, and XXXX consumer reports preventing me from being able to receive a fair and equitable reporting. These furnishing actions undermine the credit reporting agencies responsibilities to insure that my credit reports are reporting accurate accounting information. The action of these furnishers has shown to be harassing and caused me and my family duress and lost opportunities on investments. They have ignored all my attempts to clear-up this matter. So I'm seeking the support of the CFPB to help rectify these fraudulent account from all of my consumer reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX account number XXXX I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including Equifax and XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. Removal or correction of the inaccurate information. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report.To this day 30 days later i have not received a response yet.I feel like im being taken advantage of and being ignored of my disputes.Section 611 ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me my information was also impacted by the XXXX data breach and may have got into the wrong person
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I closed the loan/ and paid it off based on the Closing letter from XXXX. 
XX/XX/XXXX I contacted XXXX asking why a {$62.00} fee had been assessed. They stated it would be removed. However my credit report from Transunion has not. 
XX/XX/XXXX it shows XXXX reported a balance of {$62.00} owed and the account as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX constantly failed to removed an alleged charged off account that is inaccurate and misleading I disputed this same account with XXXX and got it removed aren't they under the same standards as the FCRA to have it removed? The account has various inconsistencies across multiple bureaus different dates of last payment and activity the company the alleged charge off is assigned under wont even issue me a 1099-C for cancellation of debt yet they claim it was charged off - Please remove this account from my credit report ASAP I am trying to get a mortgage loan and this erroneous reporting is making it impossible.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC Has place a collection on my credit report, I have requested multiple times proper verification and validation of this account in question, company has failed to provided me with such documentation. 

Account info Account name RESURGENT/LVNV FUNDING Account number XXXX This account has also been dispute multiple this claiming they certify the accuracy of this account, however has failed to provided them to me, Also I requested step by step taken in this research and as per the fair credit act this company has failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela recieved notice and proof of my XXXX and my inability to repay loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I want to remove this fraud inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I was a victim of identity theft and since XXXX someone has been using my social security number to open up accounts I told Experian, XXXX  and XXXX  about this but they still choose to report false accounts my credit file Experian is the Ring leader of bad information XXXX XXXX XXXX was open by someone else XXXX  my account and it has been closed with I only used the XXXX  XXXX for direct deposit that's it and that's all XXXX  was not my bank just a direct deposit services XXXX  has my birthday wrong ... And when I was sick with XXXX XXXX XXXX was when XXXX closed my direct deposit account my information on these credit platforms are totally false and they refuse to take the bogus info off my file I'm XXXX  XXXX survivor and Experian and XXXX XXXX false report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Debt Collection Entry on Credit Report To Whom It May Concern, I am writing to formally dispute the debt collection entry on my credit report, which is being reported by XXXX XXXX XXXX. The account number associated with this debt is XXXX On XX/XX/XXXX, I sent a pre-arbitration demand letter to XXXX XXXX XXXX, addressing several violations they have committed under the Fair Debt Collection Practices Act ( FDCPA ). The letter outlined the following violations : XXXX. List Violation XXXX failure to notify certified mail XXXX. List Violation XXXX XXXX XXXX The letter was sent via certified mail with tracking number [ XXXX ], and I have attached the green return receipt slip, which confirms delivery on Date XX/XX/XXXX. Despite receiving the letter, XXXX XXXX XXXX has failed to respond within the legally required time frame. 

Given this lack of response, I am disputing the accuracy and validity of the debt collection entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are responsible for ensuring that the information they report is accurate. Continuing to report this debt, without proper validation, makes your organization potentially liable for arbitration alongside the debt collector. Each violation is XXXX dollars. 

I request that you conduct a thorough investigation into this matter and remove the disputed entry from my credit report. Please provide me with written confirmation of the actions you have taken to resolve this issue within 30 days without XXXX XXXX This while be third round of dispute and Im keeping all records proof that I tried to resolve issue several times. 

Attached to this letter are copies of the following documents for your reference : XXXX. The pre-arbitration demand letter sent to the debt collector. 
XXXX. The green return receipt slip with the tracking number and delivery confirmation. 
XXXX. A copy of my credit report showing the disputed entry. 

I trust that you will handle this dispute with the urgency and diligence it requires. Should you need further information or documentation, please contact me at the details provided above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My boyfriend XXXX had a Care Credit credit card account with Synchrony Financial Bank, in XXXX, Florida, that was opened on XX/XX/XXXX. It begins with the numbers : XXXX He added me as an authorized user on this account in XXXX of XXXX. 

Synchrony Bank is not reporting this account to XXXX, XXXX, and XXXX XXXX. 

They need to report it on my credit files with these 3 credit bureaus, because I was listed on the account as an authorized user.
Product: Student loan

I took out a NJCLASS loan in XXXX or XXXX ( I believe ) in the amount of {$4000.00}. Yes, the loan went into default after I started repayment. After a while, my state income tax started being withheld. The last time that occurred in XXXX, I thought it was an error. So, I contacted the NJ Higher Education Student Assistance Authority and I confronted them about the error. I wanted clarification on the amount of the loan, as well as a clear accounting of how much I still owed, and when they would stop seizing my refunds. 

While the representative did tell me the amount of the loan, she answered none of my other questions as she said she needed to research my case further. I NEVER received any follow-up.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir Madam, Subject : Request for Account Details Account XXXX I am writing regarding the above-referenced account. Please note that I am not disputing the account. However, I kindly request that you provide the following information.

1.- The Date of First Delinquency for this account.

2.- The Date of Last Payment made on this account.

The Date of Charge-Off or UPDATE for this account.

I would appreciate it if you could provide this information in writing. If additional authorization is required to process my request, please let me know at your earliest convenience.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, Equifax have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, XXXX, XXXX, Equifax are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, XXXX, XXXX, Equifax are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.