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

I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX XXXXXXXX and I saw various items that had been open from XX/XX/XXXX-XX/XX/XXXX and one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$420.00}
Product: Credit reporting 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 these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$310.00} XXXX CREDITXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report to Midland Funding for {$500.00}. It stated the arrangement was open on XX/XX/2016. I have no acknowledgment or verified documentation with this company. I have a fraud alert on my account. I am not responsible for this account or aware of this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of late closed and charge off accounts from my credit report. As a conscientious consumer who takes pride in maintaining a favorable credit history, I am deeply concerned about the adverse impact this entry is having on my creditworthiness. This oversight is not only unfair but also damaging to my credit score and overall financial well-being. I kindly urge you to take prompt action to rectify this matter by promptly removing the aforementioned charge-off and late closed accounts from my credit report. I have attached copies of relevant documentation, including proof of payment, for your reference and verification. I understand that errors may occur in the reporting process ; however, it is imperative that such errors are rectified promptly and accurately to ensure the integrity of credit reporting systems. I appreciate your attention to this urgent matter and request confirmation of the removal of the charge-off account from my credit report once the necessary action has been taken. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX XXXX Balance : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Debt collection

I have been disputing with a collection agency by the name of Ability Recovery Services that has reported a bill in the amount of {$870.00} to the credit bureaus that is inaccurate. The company was contacted numerous times in writing and by telephone. I had submitted certified letters to the company dating XX/XX/2019, XX/XX/2019, and XX/XX/2019 and the company has refused to reply to any of the correspondence within 30, 60, and now 90 days.

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ability Recovery Services. And if this is a medical account, I have requested a copy of any HIPAA authorization that was allegedly provided by me.

Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Ability Recovery Services can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX talked to a person by name XXXX fraud Discovercard fraud division in dispute of charges made by XXXX in the amounts of {$14.00} XXXX made on XX/XX/2020 ) {$1.00} XXXX made on XX/XX/2020 ) and {$13.00} XXXX made on XX/XX/2020 ). Total of that those fraudulent charges was & XXXX. I deducted that amount from the total charge and paid the remaining amount on a due date. Discover instead of charging back those fraudulent charges, charged me {$5.00} interest on those fraudulent charges. today when I attempted to dispute those charges by talking to another person from the fraud division in XXXX by name XXXX, and another fraudulent charge made in the amount of {$110.00}, by XXXX with whom I do not have any relationship whatsoever and did not purchase anything from them. Again did not get any assistance in that fraudulent transaction. It appears that Discover card allows all types of fraudulent transactions to be charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being Experian, XXXX  and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.
Product: Checking or savings account

On XX/XX/2019 I tried to open a Citibank Checking/Savings account online. The system would not accept my address and the wrong address was inserted incorrectly. On XX/XX/2019 I called Citibank so they can update my address over the phone to my correct home address and I spoke with 3 people, including the new account services supervisor, XXXX who said it is company policy that they can not change the address for a new account for 30 days upon opening the account. I informed her that my personal account information is at risk to be sent to the wrong address which could increase the change of fraud. She said there is nothing she or anyone at Citibank could do as it is company policy.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a XXXX payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made the required payment on time, as reflected by my bank statement. I have attached a copy of my bank statement, showing the payment was made before the due date, yet it was incorrectly marked late. 
No Late Payment Notice : I never received a notification or statement indicating a late payment or any penalty associated with a late fee. This suggests that the payment was not considered late by the creditor at the time.

Processing Delay on Creditors End : The payment delay resulted from a processing error on the creditor 's end, which should not reflect poorly on my credit history. The payment was processed late through no fault of my own. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This company keeps charging me fees on a ZERO BALANCE. This is literally the most shady credit card I've ever seen. They need to be investigated and shut down. I'm paying that XXXX {$2.00} fee and I'm cancelling this card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was observing my Lexis Nexis information, and I discovered that my right privacy has been infringed upon. I noticed a XXXX XXXX and XXXX XXXX bankruptcy on my Lexis Nexis account, Pursuant to 15usc 1681 ( a ) ( 4 ) Lexis Nexis has gone through a pacer data system to access my private information about my consumer report without my consent/permission, which is an invasion of my privacy. In pursuant to 15usc1681b ( 2 ) I did not give permissible purpose and written instructions to allow this information to be on my consumer report. Delete the XXXX XXXX with Docket number XXXX and XXXX XXXX Bankruptcy with Docket number XXXX from my Lexis Nexis consumer report. Thank you!
Product: Checking or savings account

I disputed charges made with my debit card to an XXXX account that is not mine. I disputed this with my bank and they " investigated '' it by asking XXXX to confirm the charges. XXXX told the bank the product was main to my address but I did not order the item and the item did not come to me. I disputed again and my bank still did not remove the charge. My bank which I banked with for 30 years says the charge is mine with out any evidence oif this nor have they provided me any evidence of this. I should have limited liability for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was targeted by an auto loan lender XXXXXXXX XXXX with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ). 
The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach XXXX. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, XXXXXXXX XXXX was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX Card # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On the date of XXXX I filed a Police Report stating that I had been a victim of identity theft. I sent this report to Experian, XXXX XXXX XXXX XXXX XXXX. Along with dispute letters requesting that they show proof of the negative accounts being mine. However neither Bureau responded by showing proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

RE : XXXX XXXX - XXXX. 

TransUnion continues to report this account inaccurately on my credit report. 

1. This account was sold to XXXX XXXX XXXX ( collection agency ) 2. Next it was sold to XXXX XXXX XXXX ( Collection Agency ) This account has been sold to a collection agency you are no longer owed for this debt. The following specific fields on my credit report should read as follows : 1. Balance : {$0.00} 2. Amount Past Due : {$0.00} 3. Account transfer to XXXX XXXX XXXX or XXXX XXXX Additionally, I have filed a complaint with the Attorney General for the State of Michigan and the Attorney General for the State of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still inquiries that need to be deleted. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be removed as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have attempted to contact the company to receive a current statement of my account. I get no response.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX regarding an erroneous account on my credit report. I request the Consumer Financial Protection Bureau 's assistance in resolving this issue promptly. This erroneous entry is adversely affecting my credit score and financial standing. Despite my efforts to resolve this directly with XXXX XXXX and the credit reporting agencies, the issue remains unresolved. 
XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Student loan

I am filing this complaint against Nelnet for potential violations of the Truth in Lending Act ( TILA ) due to their failure to provide accurate and transparent disclosures about the terms of my student loans. Under TILA, borrowers are entitled to clear information about loan terms, including interest rates, fees, and repayment schedules. However, I have experienced the following issues : Misrepresentation of Loan Terms : Nelnet has provided unclear and inconsistent information about my interest rate and how my loan balance grows during periods of nonpayment. Failure to Disclose Accrued Interest : Nelnet did not adequately explain how forbearance and interest capitalization significantly increase my loan balance, making it impossible to understand the financial impact fully. Lack of Transparency : Nelnet has not provided a clear breakdown of how my balance has grown since origination, leaving me unable to reconcile their statements with the original loan terms. These issues violate TILAs transparency requirements, causing financial harm and unnecessary stress by inflating my balance without clear justification. Requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX, XXXX XXXX  XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX   lnquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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