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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The late payments being reported on this account are inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ CAPITAL ONE XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history on my credit profile to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Debt collection

this debt collector JHPDE FINANCE I , LLC, keep saying I need to pay a debt that I don't own any money or open an account with this company, they do not have proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit file. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I 'm currently back in school as a XXXX and working a part time. Navient will not postpone my payments and I 've been checking my loans and I feel that they are overcharging by a lot. The amount that owed them is now almost twice and triple the amount my loan was. How did these loans balance increased like that? How is it that the balance owed is now triple the amount of the original loan? 
Below are couples of examples of my loans are looking like right : XXXX Signature Student Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$10000.00} Amount owed : {$26000.00} XXXX Tuition Answer Borrowed : {$15000.00} Amount owed : {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going to try this one more time before I seek legal action!! The account reporting on my credit file from XXXX is being reported on my Equifax credit report TWICE!! The XXXX account for {$550.00} account number XXXX is posted to my Equifax credit report TWICE. I said this twice because their investigation is coming up short both times because they are NOT addressing my issue. I have attached a copy that Equifax claims they verified that clearly shows after an investigation the duplicate accounts are still posted. This is a violation of my rights by both Equifax and XXXX. If this isn't corrected I will be forced to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

***EXPERIAN KEEPS CLOSING MY REQUEST FOR INVESTIGATION ON A MY CREDIT PROFILE THEY ARE COMPLYING OF ME**** I HAVE SUBMITTED MY PERSONAL IDENTIFICATION DOCUMENTS IN ALL INSTANCES. 

***EXPERIAN CAN NOT BE ALLOWED TO IGNORED MY REQUESTS ( 3 INSTANCES ; XXXX MAILED/XX/XX/XXXX ; XXXX CFPB ONLINE PORTAL ) TO START A DISPUTE ON THE MANY ISSUES WITH MY CREDIT REPORT THEY COMPILED ON ME***
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 my credit report was released to 3 different companies without my written consent and are reporting as a hard inquiry on my credit report. 
companies include : Bank of the West XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX CARD 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 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 that are reported 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, 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 card or prepaid card

I previously had a card with Goldman Sachs, it was an Apple Card., paid never late. I did not want to close it but was told that I would because I could not transfer the card to another Apple ID. SO I paid the card off as instructed and applied again. That was a week ago. The message thats I continue to receive is you identify has to be verified and an Apple Card XXXXpecialist will call you in 24 hours. It has been over a week. I called and spoke to a supervisor and he stated that someone would call me and that has not happened. I continue to call and receive no help. I just need some help with my application.
Product: Credit reporting or other personal consumer reports

It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. My personal information has appeared in data leaks through Equifax and XXXX, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies on my credit report despite numerous previous attempts to correct the late open account and remove the late closed and public record. The issues in question pertain to a late open account, late close account, and an inaccurate public record. Despite repeated efforts, these errors remain on my credit report, severely affecting my creditworthiness. 

This late payment status on the account is incorrect. I have diligently tried to have this error rectified on multiple occasions. I have never made a late payment to this creditor, and the account was opened on the correct date as confirmed by the creditor. 

I must emphasize that I have previously contacted your agency to request the correction of these issues, but despite my efforts, these inaccuracies persist. I have provided all required supporting documentation and evidence in the past, including statements from creditors, legal documentation, and other proof of the errors. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to promptly investigate and correct inaccuracies in credit reports. I kindly request that you re-examine the disputes I have previously submitted and expedite the process to rectify these errors. 

I further request that you provide me with an updated credit report as soon as these corrections are made. It is crucial that my credit report accurately reflects my credit history and financial standing, as these inaccuracies are severely impacting my ability to secure credit and loans. I am asking for your immediate assistance to correct or remove the accounts and public record : XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX Balance Owed : {$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 XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 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: Debt collection

Upon looking at my consumer report I noticed a third party debt collector furnishing an unauthorized and unrecognizable account. To further investigate this derogatory remark currently endangering my reputation with other institutions I sent XXXX this third party debt collector a validation of debt letter. In response I received a letter from XXXX XXXX XXXX XXXX claiming that they are acting as the attorney for XXXX XXXX and it was even signed by two people who apparently work there XXXX XXXX XXXX and XXXX XXXX XXXX. To my understanding if they did in fact send this letter which it seems as if it was from this law firm. They will be in violation of 15 USC 1692e ( 3 ) as well as 15 USC 1692e ( 4 ) when they threatened to garnish my pay and take my home, car and other personal properties. They gave me less than thirty days to prepare for this court date that can ruin the life of my family and I. As well as damage my reputation with other financial institution wanting to do business with me in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of a data breach happened within XXXX XXXX ( hospital ).
Product: Debt collection

I advised XXXX XXXX XXXX that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. One of the items is for {$58.00}! When calling the company today they advised they will not remove the debt and I need to pay it or charges will be filed against me. I want all 3 items removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
Product: Credit card or prepaid card

XXXX XXXX J.C.Penney Master Card was declined at XXXX for a purchase of {$59.00} on XX/XX/18. I have a {$7000.00} credit limit and at the time the balance on the card was less than {$100.00}. I had used the card twice at Walmart in XXXX, Oh without a problem a few days before. It was very embarrassing to me that my card was declined twice for no apparent reason. The store is in a predominately white area ( XXXX XXXX, Oh ) and I live in XXXX, Oh. There isn't a XXXX in XXXX yet. I don't understand what would have caused the bank to flag my account as possibly fraudulent. It wasn't a large purchase and the only thing that I might think they would use to flag it was the location of the store. Its less than 50 miles away from my home. But does that mean I can only use my card in the XXXX area without the bank declining any purchase? I can't go on vacation and use the card without the embarrassment of it being declined? There should be a better way to stop a possible fraudulent transaction without declining the account holder like asking the merchant/cashier to ask for i.d . or asking the cardholder to go to customer service where the staff there can call the bank to find out what the problem is. I feel I was discriminated against because I wasn't in XXXX and therefore could not be the cardholder.
Product: Credit reporting or other personal consumer reports

Transunion has placed an account # XXXX on my account. This is not my account. How did they place this on my credit report? How many mistakes must they continue to make without respite or without repercussions? It is clear and quite evident that this is an account that belongs to someone else. It is their job to report COMPLETELY -- ACCURATELY.
Product: Credit card

My credit card ( s ) were written as charge-offs on my credit report. However, I did not receive a 1099-C from the companies and if Im not mistaken once it was indicated as a charge off I was supposed to receive a 1099-C. Since they took a tax break, but the company is still reporting that I owe them money on my credit report, but they wrote it off as profit loss ( charge-off )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

Phoenix Financial Services attempted to contact my employer after being told not to in writing via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and Westlake Financial Services on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from Westlake in attempting to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze on my equinox report ( that I never placed on there ) & once I called to have it removed the company running my credit was still unable to acces my profile. After calling in again to remove the freeze completely the company still had NO LUCK accessing my profile. Today I call & cant get verified with the EXACT same documentation that I used in the previous phone calls but now Ive failed the verification process. I was under the assumption that once Ive asked them to remove the freeze that it was supposed to be done within a hour. Plsss reach out to them because this is a big hindrance
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX., XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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 c
reditor 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.

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!
Product: Checking or savings account

I am social security number XXXX reporting fraud, theft and other crimes against my checking account with Chase Bank .... 
The withdrawal activities in my checking account are under criminals attacks against my financial funds with Chase Bank... 
Please investigate and refund my money back into my account. 
I will open another checking account with another bank. 
Thank you so much .... 
Also ... check in my XXXX accounts ... for theft and fraud and other crimes against me ... 
Thank you so much ....