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

" In accordance with Section 605 of the Fair Credit Reporting Act ( FCRA ), I hereby dispute the inclusion of student loans on my credit report that are over 7 years old. FCRA mandates the accuracy and fairness of information reported by consumer reporting agencies. As per FCRA regulations, outdated information such as these loans should be promptly removed from my credit report. I request a thorough investigation into this matter and the timely removal of the inaccurate information to ensure compliance with FCRA guidelines. ''
Product: Student loan

I have XXXX loan which has the same account number with Great Lakes, XXXX XXXX XXXX, XXXX, WI XXXX. I have been paying almost every 2 weeks with {$150.00} and they were crediting them to the lowest interest ( 7 % ) and showing overdue on the highest interest rate ( 9 % ). I called them several times to resolve by consolidating or lowering my interest rate ; they have rejected my request neither they are willing to talk. My account number is XXXX. I would request the esteemed Attorney General or their office to intervene to resolve this issue as I am struggling with all the highest payments.
Product: Credit reporting or other personal consumer reports

I accordance with the fair Credit reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that 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.

Please removes these negatives off my credit ASAP. 

1. XXXX XXXX ; on my XXXX and XXXX are reporting 2 different " LAST ACTIVE DATES '' in the attached file. 

2. XXXX XXXX ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 3. XXXX ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 4. XXXX  ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is XXXX XXXX in the amount of {$550.00}, and it is being reported as a result of identity theft. 

I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. 

To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). 


I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. 

Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. 

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

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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 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 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

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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT FROM MY REPORT FOR ABOUT 3 MONTHS AGO. THE FOLLOWING ACCOUNT IS CONSTANLY COMING BACK AS VERIFIED WHEN THE ACCOUN T WAS PAID IN FULL. THE CAR WAS TOTALED AND I PAID THE BALANCE I AM DEMANDING REMOVAL IMMEDIATELY OR THIS WOULD FORCE ME TO TAKE FURTHUR ACTIONS.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to bring to your attention that Experian has yet to update my credit report and score despite previous communications and the submission of all required documentation. This delay is causing significant inconvenience and affecting my financial standing.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 


Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Checking or savings account

I opened an account with Citizens Access in the beginning of XXXX. Shortly after they put my account on hold and since then I have not been able to access my account and they couldn't tell me when I would again have access to my funds. They told me I could make my cu that sent the money put through a hold harmless to reverse the funds, however, my credit union warned me about sending funds to them so I do not know want them to have to deal with trying to get access and my money out of that account. I tried closing the account and they informed me since it is on hold they can not close the account either. Since XX/XX/XXXX I have had XXXX calls with Citizens Access. They continued to send me bank statements however because my account is on hold I can not even access the statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Today, I was shocked to find unauthorized inquiries on my credit report, and I don't know how or why they appeared. When I checked my report, there were discrepancies that werent there before. I even refreshed the page, thinking it might fix the problem, but the inquiries remained. Because of this, I'm urging you to carefully review the documents I've sent, so I don't have to worry about this again.
Product: Credit card or prepaid card

i talked to XXXX XXXX  at wellsffargo dispute department and he is dishonest and changing his statements over the phone over 5 times and he refused to transfer me to his manager and finally i told him i am taping recording his calll and he agreed to transfer me to the dispute manager at wellsfargo and he name is I talked to XXXX  Id number XXXX and they both do not resolve my sipte at all i filled it over 3 month and they are careless
Product: Debt collection

I was notified by a collection account XXXX XXXX XXXX by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of XXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for myXXXX XXXXXXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.
Product: Credit card

I got a loan for debt consolidation from One Main Financial in XXXX 2016. Macy 's credit card was on of my things to payoff. I took the check made out to Macy 's for payoff account to Macy 's department store in XXXX, SC. The check was {$660.00}. It was Attached with my billing statement and credit card itself the lady at the counter took my payment with no problem. I received a billing statement reflecting the payment of {$660.00} was applied to my account on XXXX XXXX 2016. The next billing statement I received was a surprise because my account was supposed to be at a zero balance. It showed a huge increase in my balance, it also showed a payment reversal for {$660.00} on XXXX XXXX 2016. Not once did I receive an email regarding the payment reversal, no notification whatsoever. I called Macy 's to see what was going on. I also had the customer service representative to dispute my account back in XXXX, that way it would n't show owed a payment until this is resolved. At first no one could tell me what happened. I asked to speak to a supervisor regarding the matter. Again, I was n't getting a straight answer as to why my payment was reversed. At some point, I was told it was because they did not have my Macy 's account number on the One Main Financial check but how was it applied to my account if they did n't know where it belonged? Then I was told well it may be because we are n't showing we received the funds. Again, how did you apply it to my account in the beginning and randomly reverse it two months later? Still no good answer. The supervisor told me the payment research department was requiring proof of the cleared check from One Main Financial. I retrieved the cleared check and faxed it to Macy 's XXXX different times. The Manager of One Main Financial also reached out to the supervisor and faxed the cleared check to Macy 's payment research department as he was asked to do. Still there was nothing done about the payment, they kept asking for more stating the cleared check was not good enough. Now they needed a letter on letterhead from One Main Financial and bank statements. I told the supervisor numerous times this was a huge third party corporation and they could not just give me bank statements. I spoke to One Main Financial regarding a letter on letterhead, he states he does not have the authority to do a letter. He states at his point I have followed my normal protocol for this matter. Currently, Macy 's said we are done with matter since we are not getting the " letter '' that we need. My account is now back to its regular standing and I must continue to pay my monthly payments starting on XXXX XXXX 2016. My balance is back to {$660.00} which is supposed to be paid off. This affects my credit, my money and I am now in the middle of buying a house!
Product: Vehicle loan or lease

entered as co signer on loan XXXX filed XXXX XXXX XX/XX/XXXX credit acceptance collected thru bankruptcy completed discharged XX/XX/XXXX company continuing to display and change info knowingly puting false information in my report
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX  XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, submitted a letter to Trans Unions concerning they obtained my bankruptcy through a 3rd party and not directly from the bankruptcy court. On XXXX XXXX, I received letter from Trans Union, file # : XXXXXXXX, stating the bankruptcy was DELETED from my credit report. On XX/XX/XXXX & XXXX XXXX, XXXX, I notified Trans Union after pulling my credit report the bankruptcy was returned to my credit report. Also on XX/XX/XXXX, I submitted a letter to Trans Union concerning XXXX XXXX account # : XXXX. I received a letter from Trans Union on XX/XX/XXXX, file # :   XXXX, stating this was DELETED from my credit report. Only to receive a credit report from Trans Union on XX/XX/XXXX, this item has reappeared on my credit report., along with the bankruptcy. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Trans Union is required to notify me of the reinsertion in writing within 5 business day, I received NO such notification!! And this is a a very serious violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XX/XX/2018. 

Exeter Finance is one of the companies that was solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager.

He refused to help.

It is unfair that they did that. It lowered my credit score by 200 points.
Product: Mortgage

In early XXXX I initiated a refinance with LoanCareXXXX XXXX. Since then I was instructed to not make the XXXX, XXXX and now XXXX payment. At that time I cancelled my auto-payment to facilitate these non-payments. 

Late XXXX I finally made the payment to avoid going 30-days late and just today I made the XXXX payment for the same reason. I was told they were unable to waive any fees associated with today 's payment which is unfair and unreasonable considering I was told by a representative of their company to not make the XXXX payment. 

Additionally, my refinance is taking entirely too long. We are approaching 120 days on the refinance and my processor has forgotten to submit my paperwork along, is often non-responsive and doesn't contact me for long periods of time. These delays have resulted in extra interest being paid on the mortgage when not necessary.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1500.00}, XXXX  XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$400.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX  Account # XXXX dfate opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX & Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. 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 # ( XXXX ) 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.