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

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance ; {$4100.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Bankruptcy Reference : XXXX Liability : {$0.00} XXXX CARD Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On   X/XX/17     at  XXXX   XXXX  PST, I calle d Capital One  Credit Card fraud dept. to report a fraudulent pending transaction of {$16.00} at FASHION OPTO on my account right after I received a phone alert from Capital One Wallet app. The person who took my call did not immediately reverse the transaction or did anything to stop it. Instead  Capital One  let this fraudulent transaction through to have it posted on my account. Today,    XXXX     , I called the fraud dept. back and was told by the fraud dept. rep that I must wait for  30-90 da ys in order to resolve this transaction.     Why should a victim, like myself, must pay for the transaction first then wait fo r 30-90 da ys whereas  Capital One  fraud dept. could have done something at the moment they got my phone call to prevent the transaction from going through the approval process? How could customers, like myself, trust   Capital One in protecting us from fraudulent activity?
I would like Capital One to quickly resolve this transaction so I can get my money back. I also would like Capital One   management to re-evaluate their process and procedure in investing fraudulent activities to improve and ensure customers ' best interest. Lastly, I want to bring it to other customers attention and awareness so they can be more informed in their decisions should they be interested in using ( or continuing using  ) credit cards issued from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding several items in my account that, upon checking, have been unverified and have been placed under my name without my knowledge. Particularly, the bankruptcy charges, several inquiries and some chargeoff/collection that i saw. It is already affecting me so much. I wrote the bureau last month but i have not seen enough changes to convince me that they are doing something to correct my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA is reporting wrong information on my credit report This company is Re-aging my account Version # XXXX which is reporting date XXXX which is wrong well as payment History, they reporting {$1100.00} which is wrong my account is {$890.00} my Delinquent was XX/XX/XXXX as you will see in my copy of the Document which XXXX sent me they are reporting wrong information I sent them letters after letters even called them about this wrong information they reporting on me they told me Its accurate as you see its not here is my Original bill Account Summary
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX  account on my credit report that I believe is incorrect and being re-aged. The account is listed with a past due balance of {$370.00}, and the date opened is XX/XX/XXXX. The most recent date reported is listed as XX/XX/XXXX, which appears to be an attempt to re-age the debt. This date suggests recent activity, even though the debt is still under dispute. 

Key Points : Account Details : Creditor : XXXX Balance : {$370.00} ( Past Due ) Date Opened : XX/XX/XXXXXXXX  Date Reported : XX/XX/XXXXXXXX  ( which seems to be a recent reporting date for a debt that should not have this activity ) Re-Aging of Debt : The date reported of XX/XX/XXXXXXXX  is being used in such a way that it could extend the negative impact of the debt on my credit report. This reporting could give the impression that the debt is more recent than it truly is, especially if there was a significant period of inactivity on the account. 
Re-aging the debt through a new date reported resets the timeline, potentially causing the debt to remain on my credit report longer than it should, and continuing to impact my credit score. 
My Rights Under the Fair Credit Reporting Act ( FCRA ) : Accuracy and Integrity of Information ( Section 607 ) : The FCRA requires that information reported to credit bureaus be accurate, up-to-date, and complete. The date reported is misleading and does not reflect the actual status of the account. This misrepresentation of dates is a violation of the FCRA 's requirement for accurate reporting. 
Dispute of Inaccurate Information ( Section 611 ) : I am currently disputing this debt, and I have contacted the creditor to resolve the issue. Reporting the account with a new date when there has been no recent activity or agreement on the debt is not only misleading, but it also interferes with my right to accurate credit reporting. 
Right to Deletion of Inaccurate Information ( Section 605 ) : Under th
e FCRA, if a debt is reported inaccurately or if the creditor can not verify the information, I have the right to request that the debt be deleted from my credit report. 
Request for Correction or Deletion : I am requesting that the date reported for this account be corrected to reflect the correct status of the debt. If XXXX can not validate the debt as accurately reported, I ask that it be removed from my credit report entirely. 

This account is actively being disputed, and I assert that any attempts to re-age the debt through an incorrect date reported are a violation of my rights under the FCRA. Please correct this error and ensure that any future reporting of this account is accurate and in compliance with the law. 

Conclusion : Please take immediate action to correct the date reported for this account or remove the account entirely if it can not be validated. I appreciate your prompt attention to this matter and expect a response with confirmation of the resolution. If you require further documentation or clarification, feel free to contact me. 

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

I am recently out of bankruptcy and have made arrangements with my creditors to pay my debts. My payments to XXXX XXXX XXXX XXXX show a decreasing balance but my credit score is not reflecting this. The message on my credit report says, " this account needs your attention. '' It is showing negatively. I have reached out to the credit bureaus to dispute the info several times. XXXX says its up to the credit bureau to update my credit score. Please help!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Core logic Credit Bureau XXXX : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Apartment XXXX, XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX, and I have a VA loan with Caliber Home Loans. As of today, XXXX XX/XX/2022, my insurance company hasn't received my insurance company. XXXX XXXX told me that they sent three checks, but none of them have been received by my insurance company. Caliber Home Loans has a serious problem in their Escrow department, as their are many complaints on the XXXX  website regarding the Escrow department. I would like the consumer financial protection agency to investigate this company 's Escrow department. I can reached at XXXX.
Product: Credit reporting or other personal consumer reports

Identity Theft Victims Complaint and Affidavit In Reference to TransUnion Credit Report XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Whom It May Concern at TransUnion : XXXX, XXXX XXXX XXXX the undersigned Affiant, hereby declare under penalty of perjury that the following statements are true, correct, and complete to the best of my knowledge and belief : 1. Unauthorized Use of Personal Information I did not authorize any individual or entity to use my name, Social Security number, or any personal information to obtain money, credit, loans, goods, or services, or for any other purpose. Any accounts or inquiries associated with my name that I did not initiate were established through fraudulent means.

2. Identity Verification I am prepared to verify my identity using the following documents, which I have attached to this affidavit : A copy of my Passport ID A copy of my Social Security Card A recent Bank Statement showing my current address to confirm proof of residence 3. Inaccurate and Fraudulent Information The following accounts were fraudulently opened or linked to my identity without my authorization. I request that these accounts be immediately removed from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX XXXX & XXXX, Acct # XXXX 4. Inaccurate and Fraudulent Phone numbers Additionally, I request the removal of the following phone numbers, as they are the result of identity theft : XXXX XXXX XXXX XXXX XXXX 5. Incorrect Employment Information The following employment information is outdated or incorrect and was likely used fraudulently. Please remove it from my credit report : Employment Information : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. FTC Identity Theft Report I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The report number is XXXX, and a copy is attached to this affidavit as further evidence of my claim.
Product: Credit reporting or other personal consumer reports

I am would to express my profound dissatisfaction with the inaccurate and incomplete credit details currently reflected on my credit report. It is unacceptable that such errors have been permitted to surface on my report, indicating a failure on the part of the bureau to uphold reasonable procedures ensuring maximum accuracy in credit reporting. 
I am also requesting evidence of the alleged items, specifically the contract, note, or any other documents bearing my signature. Failure to provide such evidence warrants the prompt deletion of the items from my credit report. 

The information provided is wholly inaccurate and incomplete, representing a significant error in reporting. I demand the immediate removal of this misleading information and the issuance of a corrected credit profile to all relevant creditors who have received a copy within the last six months, or two years for employment purposes, as per FCRA 15 USC 1681.

I want to stress that I am the sole individual disputing these accounts, and no one else is involved in this dispute. 

I anticipate a thorough reinvestigation into this matter and a swift resolution in accordance with the Fair Credit Reporting Act. Your urgent attention to this dispute is essential. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a payment to Citibank , N.A . for my XXXX account in the amount of {$29.00} on XX/XX/year>. I made it early, and on the first day that my statement cycled. Under no circumstances does it say anywhere that you can not pay TOO EARLY, or that you would get penalized for that. Well, they did NOT COUNT my payment for my minimum payment, and have now charged me a late fee, and are making me pay a double payment plus some because of this! This is not fair! I want the late fee waived, the payment reduced to just one payment owed for XXXX, and the XX/XX/XXXX payment to count for the XXXX payment. I also want them to show where it states that a payment too early in the cycle will not count for the minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this in regards to the recent revelation that Equifax was compromised ( IN XX/XX/XXXX ) potentially leaking financial details of 143 million people. 
The fact that this leak was known months before being revealed is abhorrent at best, particularly now that I have found out I was affected by the leak. Financial institutions should not have the power to so carelessly ruin mine and the lives of many others, it 's absurd.
Product: Debt collection

The medical collection was put on my report, erroneously. I have always disputed the information AND how can the collection agency verify the accuracy of the account without violating the HIPAA Privacy Act? Additionally, it appears to be listed as an " Unknown '' or " Unnamed '' collection on both my XXXX and XXXX report but the same amount and what seems to be the same account number shows up on my XXXX  report as Phoenix Financial Services.
Product: Credit reporting or other personal consumer reports

I had an account that showed up on my credit bureau XXXX XXXX XXXX disputed it several times as identity theft XXXX was their collection agency XXXX XXXX XXXX XXXX XXXX they sent me a letter saying that they investigated it was that theft and the trade line would be removed. Please allow appropriate time. It never happened And experience more acknowledge anything unless the bank tells him to do so regardless of whatever Ive sent him police report. Ive sent him Federal Trade Commission report and everything else they requested, but they still will not remove it. All other credit bureaus have removed it.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Student loan

My concern is how the student loan repayments are calculated in an income driven repayment plan. I recently re-enrolled in an income based repayment plan with Navient. After doing so my student loan payments doubled what I was paying originally. I have contacted Navient and asked them if there is anything else I can do to lower my payments and they informed me that if I come out of the income based repayment plan that my payments would be higher. The only way for them to factor in only my income is for me to file my taxes married filling separate. I am trying so hard to manage my current student loan payments that is higher than my monthly mortgage payment and am wondering will there ever be a day any time soon when student loan repayments will be based solely on the income of the individual who has the debt and not the household income? Without me having to change how I file my taxes. After I pay my student loans I am unable to contribute anything else to my household. I am the only person paying back my debt, not my husband and certainly not our XXXX year old daughter. I understand the effects of having bad credit so I am working hard to ensure that I am not late or default on my student loans. I have even adjusted my tax deductions so that I could come home with more money to assist in taking the pressure off. I am asking, praying for some type of relief and pray that one day soon someone will hear my concerns and that of others and say maybe we need to rethink this. I appreciate you all taking time to read my concern. 

Thank you in Advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. State 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit based on information the lender obtained from SageStream on XX/XX/2021. I had never heard of Sage Stream before. I attempted to obtain my credit file from SageStream. SageStream requests a completely excessive amount of personal information before allowing me a copy of the report. They want my government issued ID, as well as a copy of my Social Security card and either a current utility bill or my W2 with my address on it. I am not comfortable providing all of this information to some company I have never heard of when the three legitimate credit bureaus have never asked for it.
Product: Credit card or prepaid card

On XXXX? XX/XX/XXXX I made a charge of {$7900.00} on my XXXX XXXX card. 
This card is handled by Barclays Bank Delaware. The charge was made to XXXX XXXX. I understand that the company has been convicted of fraud. XXXX XXXX and XXXX along with me have made calls to challenge the charge. Barclays says they can not go back that far to indentify the charge. Frankly they kept transfering us to many different people. No one helped. My mailing address change from XXXX XXXX XXXX  XXXX XXXX, NC XXXX to XXXX XXXX XXXX XXXX, NC XXXX in XXXX because we moved.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the repeated failure to remove charge-off accounts from my credit report, despite multiple attempts to rectify this issue.

It has come to my attention that despite providing evidence of fraudulent activity and sending an FTC fraud report as mandated by section 605b of the Fair Credit Reporting Act ( FCRA ), the following charge-off accounts have not been removed from my credit report : These accounts were opened without my consent or knowledge, and they are clearly the result of identity theft. As such, it is imperative that they are promptly removed from my credit report to prevent any further damage to my creditworthiness.

I have made numerous attempts to resolve this matter through proper channels, yet the accounts remain on my credit report, inaccurately reflecting upon my credit history. This persistent failure to address the issue not only violates my rights under the FCRA but also undermines my ability to secure credit and financial opportunities.

Therefore, I am formally demanding the immediate removal of the aforementioned charge-off accounts from my credit report. If you maintain that these items are 100 % accurate and verifiable, I require copies of any documentation associated with these accounts bearing my signature. However, I can assure you that no such documentation exists, as these accounts are a result of identity theft.

Please be advised that if the requested action is not taken within XXXX business days, I will have no choice but to escalate this matter and seek legal recourse. I am committed to resolving this issue in a fair and lawful manner, but I can not tolerate continued negligence and non-compliance with the law. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It supposed to delete all negative credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .Great Lake Id:XXXX .its not fair its bringing my score down badily
Product: Credit card

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Product: Debt collection

Repeated phone calls but no answer when pick up phone..most recent call XX/XX/2019 at XXXX XXXX
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. 




XXXX. XXXX XXXX XXXX XXXXXXXX remove late payments This 30 days late is not correct my account is current. I attempted to reach out to correct the issue and was told nothing that could be done to correct their error. I then reached out to all the credit agencies with no resolution. I am in the middle of buying a house and this error has caused personal damage. 


PLEASE REMOVE 3 LATES ON THIS ACCOUNT NOT ACCURATE