23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt that was owed by Portfolio Recovery Associates is still being reported on my credit report by all XXXX credit reporting agencies. All debts have been paid and were supposed to be deleted from the credit reporting agencies. I am attaching proof from portfolio recovery that the letter in the mail states that all items should be deleted but have not been.
Product: Vehicle loan or lease

XXXX XXXX who finances a XXXX XXXX XXXX XXXX XXXX  has been harassing Me with calls and when I call to discuss how my payment are distributed they blow me off and give me a ton of double talk about paying a few days late or getting extensions which I am double charged for by per diem and late fees. 
My payments are lopsided where my money paid is going to interest instead of principal, I have had this loan since XX/XX/XXXX and I demand that XXXX XXXX conduct the loan in a fair manner where I can afford to trade the vehicle or pay it off. 
XXXX charges a per diem daily if payment isn't made on due date, plus they charge a {$23.00} late fee. This is double dipping, yes? 
The loan they tell Me is a simple interest fee loan where I don't see equity on the vehicle until year 4. 

This problem is one that XXXX creates knowing customers are tied to the vehicle forever and a day because the buyer cant afford to get out of the loan. This company is a Huge Rip Off and should be penalized for taking advantage of consumers struggling with XXXX and steady work.
Product: Credit reporting

I recently sent a dispute in for some items to Experian and the information came back verified. I requested the method of verification that they used in order to verify the information and instead of giving me that information, they initiated another reinvestigation. I sent yet another letter requesting the method of verification and made sure I noted that I did not want a reinvestigation or a general outline of how the items were verified, I wanted specific information. While waiting for the method of verification response, I sent XXXX the collection agencies a request for validation. Experian still initiated an additional reinvestigation instead of following through with my request for the method of verification. They sent back the results stating that the items that I disputed were updated, remaining, or processed. I warned them during my last request for a method of verification that I would be filing a complaint if this request is not fulfilled and they have not.
Product: Credit reporting or other personal consumer reports

Dispute of Late Payment Reporting** **Subject : Dispute of Information on Consumer Report** Dear Sir/Madam, I am writing to formally dispute the late payments being reported on my consumer credit report. Upon reviewing my file, I have identified that late payment information is being inaccurately reported, and I am requesting its immediate removal. 

Under the provisions of 15 U.S.C. 1681 ( a ) ( 2 ), I understand that certain information regarding transactions or experiences between myself and creditors, particularly where the reported information is incomplete, outdated, or inaccurate, must be excluded from my consumer report. Specifically, the report reflects a single month of late payment, yet fails to acknowledge the months of consistent, on-time payments that followed. This isolated late payment should not overshadow my history of responsible credit management, and I am requesting the deletion of this late payment entry from my report. 

I have diligently worked to maintain good standing with my creditors, and the reported late payment does not reflect my overall payment behavior. I request that all information related to this late payment be removed and that my credit report be updated to accurately reflect my history of timely payments. 

Please investigate this matter and remove the late payment entry in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and would like written confirmation of the removal once completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. The items I dispute are listed below. The bureaus have been ignoring my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an account opened fraudulently to XXXX Bank using my personal information in XXXX of 2019. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you see if that's right? Some accounts listed have wrong info about money and dates.
Product: Debt collection

Have sent letters to collection company stating this account is not mine send a copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.
Product: Checking or savings account

On XX/XX/2022, I noticed two fraudulent transactions on my Chase bank accounts. One is a check to transfer XXXX dollars from my checking account, and the other is a XXXX dollars cash withdrawal from my small business account. I notified my bank immediately and filed a claim against these two unauthorized transactions. The bank returned the {$2000.00} check to my account, but the {$3500.00} cash withdrawal has not been returned to me. The bank told me that a person in a XXXX XXXX  branch ( XXXX XXXX, XXXX XXXX ) withdrew the cash from my accounts using my driver 's license ID. 

I am disputing the fraudulent withdrawal based on the following facts : 1. The transaction happened in XXXX XXXX on XX/XX/2022, while I live in XXXX, XXXX and have not visited XXXX XXXX in the past few years. 
2. The signature on the withdrawal slip is not mine. 
3. I never lost my ID ; the ID presented in the bank must be fake. 
4. The date in the withdrawal slip is a future date XX/XX/2022, while the transaction happened on XX/XX/2022. It shows how negligent the bank branch was in handling the transaction. 
5. The bank never notified me or sent any text verification code to check the cash withdrawal authentication. 

Based on these facts above, I request the bank credit the fraudulent withdrawal of {$3500.00} to my bank account. Please contact me if you need more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my XXXX, XXXX, and Transunion report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit card or prepaid card

Total Visa keep losing my payment information. There was a glitch in the automated system and my payment was not accepted. They even gave me a confirmation number, yet, they tell me the payment did not go through successfully on XXXX of this month. 
Someone is blocking access to my online account at Total Visa. I made the payment on XXXX of XXXX and they are reneging on crediting the fee to the account. I believe that someone is trying to use my credit and they are supporting their mischief activity. Why am I not able to go online and see the damage to my credit? I made a new payment on the XXXX and I was given a new confirmation number.
Product: Student loan

I have a loan with XXXXXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXXXXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America and XXXX XXXX  is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. 
- Furnishing information on my report without my signed written consent to furnish my private information
Product: Credit card

I closed my XXXX XXXX XXXX XXXX over a year ago- I paid the last bill- that came almost 6 months later and was only " interest '' charges. I paid the balance, twice actually, for XXXX and now I have been charged XXXX in " interest '' charges again! The card has been closed for over a year ( probably more ) and I have paid the fee and XXXX XXXX XXXX  is still trying to charge me. Now it has been sent to collections even after I called and spoke to someone at XXXX XXXX XXXX and they said my card was closed and balance has been settled, but then received another bill.
Product: Credit card

When my late husband and I set up the credit card initially in XXXX, we specifically wanted the advertised XXXX XXXX XXXX XXXX added so, in the event that something unforeseen such as death/job loss were to occur, that the balance owed on the card would be paid in full at that time. We began paying monthly the fee amount for the XXXX XXXX XXXX advertised to us by this company. At that time, my husband and I were not told/given information that, if the unforeseen were to happen, that the responsible person would have to file to obtain the security monies and have the account balance paid off. When my husband passed in XXXX I immediately contacted the credit card company and the only item they requested was a copy of the death certificate, which I immediately provided to them. I continued paying, on time, the monthly payments due, not knowing that I needed to file within a XXXX year time frame to seek this XXXX XXXX XXXX XXXX in order to pay off the balance owed. When I got laid off of my job in XXXX, and contacted this credit card company, I was surprised and upset to learn that the Security Protection Plan had not been entered in XXXX into their data system, so I was told I was not covered by this plan, that I had been paying on monthly, but that they would gladly start up in XXXX for me. The initial payment stubs, etc. I no longer have as I have moved since my husband 's passing.Therefore, I have no current proof, other than my word, to provide to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and the XXXX Breach that leaked my information has effected me in a really negative way Fraudulent credit has been applied for. I have made a police report and i also contacted the credit company 's XXXX XXXX and TransUnion i have provided prof along with police reports and FTC report and even though i have tried to contact the company 's to see how they just give some one credit under my name with verifying ID or SS and the Police has also investigated when i call the credit company 's to remove the fraud off my credit they come back with " Verify '' witch at first making me happy thinking this nightmare is over!! I figured they stated that they did a investigation but then they say its Verified!!!?? what?? when i call the credit copays they have proof that it was me but have not yet provided me with proof and the also have not provided proof to the police making me think they investigated but they wont help me or the police with removing the fraudulent accts in my credit or giving me a copy of the investigation the person that did this to me and they wont give the information to the police.. I need help removing fraudulent things on my credit or i need the credit company 's to release the investigation information that they have when they investigated the company 's that proof that the fraudulent record belongs to me this way i can provided to the XXXX XXXX police department. 
I need the following information removed from my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Trans-Union XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove all this information from my credit report i have the FTC report and the police report I believe the credit company 's might know who did this and have allot more valuable information that for what ever reason they have not shared with me or the police due to they XXXX XXXX investigated and the information was verified!! I have proof that the credit company 's send me that they stated that they did Per their words " A Investigation the information my my credit report is verified '' Please help me with this mater at this point every time i call the credit company they hang up on me or say they will investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove this fraudulent account from my credit report. I never had an account with AT & T
Product: Credit reporting or other personal consumer reports

I call each company that was an inquiry on my report I did not recognize. 

Each one could not verify. I call each creditor, XXXX, XXXX and XXXX XXXX. They told me that since the inquiry did not amount to anything that the company has to remove it. So i call each one again, and ask to verify, they could not verify and told me there's nothing they can do. 

My information is also leaked on the dark web, When I file bankruptcy I notice alot of pings on my credit report that someone was trying to apply for a loan using my information. My bankruptcy was discharged in XXXX. I notice alot more when I got my car and I applied for a credit card with capital one. I called each credit bureaus and told them of the fraudulent inquiries and they told me that there is nothing they can do. At the time I had a fraud risk on my account. I have been battling this for almost 2 years now. 

There should be only 4 inquiries on my credit report. 

XXXX XXXX XXXX ( i work here and applied for a loan ) capital one and ( was looking for a car, not financed thru them ) XXXX XXXX XXXX ( car financed from them ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... Equifax ... XXXX ... nor XXXX have done such. The inquiry is STILL on my credit!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX I personally mailed Experian a request to investigate XXXX negative accounts I had listed on my Experian credit report. On XXXX XXXX they mailed me a letter stating that they deemed my request as " not sent by me '' and that they were not going to complete the requested investigation. I contacted them by phone to explain that it was sent by and to request instructions on how to prove that it was sent by me. Their response was that I could n't prove it and all I could do was to resend the same request. I explained that if I resend the same request I will probably get the same denial. I sincerely feel that this is nothing more than a stall tactic on their part. They are not allowing me to dispute items on the credit report.
Product: Debt collection

This is in reference to XXXX XXXX Payday loans.XXXX XXXX 2017 XXXX XXXX from XXXX XXXX under the company called the XXXX XXXX in XXXX, South Carolina called all of my references and she left messages on their answering machines explaining how she is going to garner my wages and take me to court, she also said that some people were going to my property and I had to submit some papers. XXXX XXXX called XXXX XXXX one of my references, and told her she was taking XXXX XXXX to court and I have all of this on a voice mail and XXXX XXXX will submit a letter to that effect. When I called XXXX XXXX back I did curse because she called my references and gave out my personal information she said my mother was a XXXX. When I called the company back I asked for the address of the company and I asked them to review the tape. I also advised them never to call me again and to send correspondence through the mail. They still called my phone the next day. I am very upset and so is my mother, and all of my references. They are constantly calling and harassing my phone and my references. I called again to get the address to the company and they would not give me that information and once again I told them never to call me again..
Product: Credit reporting or other personal consumer reports

Round XXXX : Initial Dispute Letter Accuracy & Verification Challenge XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under FCRA & FACTA Request for Deletion Dear Equifax, I am writing to dispute inaccurate information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The following accounts are inaccurate, unverifiable, and must be deleted immediately : [ List of Negative Accounts ] ( Include name of creditor, account number, and reason for dispute ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation. I demand that you provide the method of verification used to confirm these accounts. Additionally, I want the original contract containing my wet-ink signature, proving that I authorized these transactions. 

Furthermore, given the Equifax Data Breach ( XXXX XXXX. XXXX, Document XXXX, Filed XX/XX/XXXX ), millions of consumers personal information was compromised. This breach calls into question the validity of any account reporting under my name, as my identity may have been affected. You are legally required to ensure that all data associated with me is verified beyond doubt. 

If you can not verify the accounts within XXXX  days as required by law, I demand their permanent deletion under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in legal action, including a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential civil claims. 

Sincerely, XXXX XXXX