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

Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXX, account number - starting with - XXXX Department of ED/XXXX account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXXXXXX XXXX, account number - starting with - XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number - starting with - XXXX XXXXXXXX XXXX XXXX account XXXX XXXX - the debt has been paid, please remove this account XXXX XXXX XXXX account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account number - starting with - XXXX 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 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 or 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. 

Thank you for reviewing my request, please confirm you have received it and will delete these accounts within 30 days. 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in ten negative accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. I have also included police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple complaints I submitted to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Per FCRA Section 605b, the Credit Bureaus are required to remove any account and information that resulted from an Identity Theft. I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Kindly delete these information on my Credit File that were opened due to Identity Theft ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Kickoff Lending LLC on XXXX21 reported a charge off to the credit reporting agencies for an alleged debt they claim I owe. A charge off, pursuant to the IRS is considered income and the company has to file a XXXX and provide me a copy. 
As it is unlawful to furnish income on a consumer report and tax fraud to still attempt to collect on a charge off. These actions are contributing to the injuries and damages of the obscene and profane language of spreading of inaccurate, unfounded information and damaging my reputation.
Product: Money transfers

I called MoneyGram on XXXX/XXXX/2016 in reference to transaction # XXXX to ensure that their would be no problems with the money transfer due to previous denials of transfers. I was told that the transaction would n't be denied, however ; it was denied after funds were sent. MoneyGram will not provide information to why the funds transfer was denied and MoneyGram will not immediate refund the money so that I could use another service to send the money. MoneyGram holds the funds for up to one week which causes a financial hardship for the customer and the recipient which further delays the necessity of the transfer of funds.
Product: Student loan

I have been harassed and robo called by Navient all times of day and night even though they said they were taking me off the call list and a live person would call me. They will call one number, hang up and call the next number multiple times. One man even was rude to me and my co-signer when asked about the calls and his bf up on me and her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below 500 now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the account list it below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 Acc Name ; XXXX XXXX XXXX XXXX # XXXX XXXX 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 with out my written instruction 15 u.U.S.C 1681 c. ( A ) ( 5 ) section states no consumer agency may make any consumer report containing Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Product: Student loan

Re : ASC/ XXXX  Educational fin ance loan Opened on  XXXX   XXXX ,  2010  Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen as a result of the XXXX data breach of XX/XX/2017. I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with TransUnion. I will not pay any fees associated with this request nor engage in any cumbersome process. If TransUnion wishes to bill someone for the service they should bill XXXX.
Product: Mortgage

I took out a VA Home Loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. I made my payments on time with them through the time that they transferred my loan out to Mr. Cooper out of Texas. My first bill was due to Mr. Cooper XX/XX/XXXX and I submitted my payment by that date and it cleared my bank on XX/XX/XXXX. My next payment to Mr. Cooper was due XX/XX/XXXX. I made this payment with an additional {$35.00} applied to the principal on XX/XX/XXXX. I received my XXXX statement around mid XXXX which brings me to the issue at hand. I logged in to my account to think about how much extra to put toward my principal for XXXX and shockingly found that my account was past due since XXXX. Keep in mind I have the bank statements where the money cleared, as well as the statements from Mr. Cooper saying I was up to date on each statement with no past due amounts. So, I decided to call Mr. Cooper. I first called on XX/XX/XXXX at XXXX EST and spoke with a lady and she said she escalated the call because it showed where I paid but then my money was reversed and applied elsewhere. Now, to explain reversed in her terms. It was reversed from my account and applied elsewhere but they could not tell me where. So the lady spoke with her manager and said they would call me back the next day. The next day rolls around and no call. I called them back at XXXX on XX/XX/XXXX and spoke to a XXXX. He said there was no record of my previous call so I started writing things down. He would not listen to my situation so I asked for management. Then I was connected to XXXX XXXX. After speaking to Ms. XXXX, she ask if I could send proof of where it cleared the bank. I told her absolutely and did so while I was on the phone with her. That proof was sent by email as she gave me all of her contact information. She told me that she would send it to accounting and that I should know something by Monday XX/XX/XXXX. She said I could call back on the XXXX to check. Monday comes around and I wait until XXXX EST to call and check the status. I called with no answer, however, she did call me back. She then told me nothing had been done on my account and that she had my number and would call me back on the XXXX because they should have things fixed by then considering it was submitted on the XXXX. The XXXX rolls around and no call as of XXXX EST, so i gave her a call with no answer. I feel like I am exhausting all means necessary to resolve this on my end. However, it seems as though this company received my money then removed it from my account and put it somewhere else. I have all the proof of the payments, the statements, and times and dates of attempted resolution. I am now getting calls from the VA asking why I have not paid my mortgage. I am getting letters from Mr. Cooper asking why I am not paying my mortgage. This issue is I am paying my mortgage and it appears as though Mr. Cooper is taking my money and not applying it to my account.
Product: Payday loan, title loan, or personal loan

signed up for a payment plan, I was told by the sales person that if i was approved i had the option of paying in 3 months no interest, but if i wasn't done paying in 3 months, I would just have to make monthly payments until the balance of my item was paid off including a small interest rate. I called to check my balance since the item I purchased was only about {$600.00}, and I have been making XXXX payments for the last 6-7 months. I was told that my current balance was over {$1000.00}. I asked the phone representative how was that possible if that wasn't what I was told. He said well did you read the agreement, I told him no because I wasn't allowed to read it by the sales person. The sales person handled everything for me and only had me sign once everything was complete. I wish I would of read all these bad complaints before because it seems it has happened to a lot of people in a similar manner. It makes it seem like they all omit the contractual obligation since i don't think anyone would actually agree to a 100 % interest rate.
Product: Credit card

America First Credit Union is attempting to amass revenue by charging a {$1.00} interest fee on its LOC. I was made aware that I had an upcoming payment which due on the XXXX of XXXX for {$25.00}. I made a payment for {$75.00} on the same day. Let me also mention that XXXX adds a notification on the account due date stating that payment is overdue. I made an additional payment of {$260.00} on the XXXX. For this I was charged a " Finance Fee '' of {$1.00} despite the fact a payment had been made on the actual due date of XX/XX/XXXX. 

I contacted XXXX about the matter. They insist I only made a payment on XX/XX/XXXX, which the online statement proves false ( image attached ). This is an effort to milk unsuspecting cardholders of millions in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this report to dispute inaccurate information on my credit report, which I believe is incorrect. The following inaccuracies require immediate attention and correction : incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are listed. These addresses and names are not associated with me and do not represent my personal information, and I request their immediate removal from my credit report. I also asked Experian to update my credit report to ensure it reflects only accurate and verified information. Once these corrections are made, I request written confirmation of the changes along with an updated copy of my credit report. Furthermore, I urge Experian to carefully review my credit report for any additional inaccuracies and address them promptly.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  XXXX {$55000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX {$0.00} Listed below are the Inquiries that are being challenged XXXX  | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

Hi, on XXXX XXXX I went to XXXX and withdrew XXXX from the atm, the atm only dispursed XXXX because of their limit. I then went inside bank to explain the problem the bank did an investigation which showed they were over XXXX. So then the money was sent back to american express serve on XXXX XXXX to be credited back into my accout an at this time I had already started a dispute on my half. XXXX XXXX i was sent an email saying investigation was closed an I would not be credited the XXXX dollars because the merchant had provided documentation that I was given money at the time of transaction which is false. Now it is XXXX XXXX an not getting any answers nor my money. I call continously the american express number on the back of my card because Im in need of my funds an not getting anywhere.
Product: Credit reporting or other personal consumer reports

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification.
Product: Debt collection

Forest Recovery Svcs just reported a {$1200.00} debt on my credit report. Prior to the appearance of this account on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 Dear CFPB Representative, I am writing to file a formal complaint and dispute concerning two accounts reported by XXXX XXXX under two different account numbers : XXXX and XXXX. I am disputing the accuracy of the information being furnished by XXXX XXXX, as the accounts are being reported inaccurately on my credit file. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information, including XXXX XXXX XXXX XXXX required to report accurate and complete information to credit reporting agencies. As part of this duty, they must promptly investigate any disputed information reported by consumers. I have reached out to XXXX XXXX directly to correct the errors, but the issue remains unresolved. 

Details of the Dispute : XXXX. Account Number XXXX : This account is inaccurately reported, and I am requesting verification and correction of the information associated with it. 
2. Account Number XXXX : This account also contains inaccuracies, and I am disputing the reported information, as it appears incorrect. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX fully complies with 15 U.S.C. 1681s-2 by conducting a thorough investigation and correcting any inaccurate information associated with these accounts. 

Please let me know if any additional documentation or information is needed to process my complaint. I appreciate your attention to this matter and look forward to a resolution that ensures accurate reporting. 

Sincerely, XXXX XXXX XXXX