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

Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from Nelnet and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over XXXX  years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please XXXX  deletion off my credit or at least correct my payment information to never late!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX of 2021 I submitted a certified letter to XXXX, Equifax, XXXX, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit file. I am a victim of a data breach, and the following accounts were opened or reported without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove these items from my credit file. 
Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$4300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit card or prepaid card

ON XX/XX/10 MY XXXX WAS CHARGED BY REALTY VALUE SERVICES FOR {$720.00} I DID NOT DO BUISNESS WITH THIS COMPANY, AND WHEN I CALLED XXXX TO TELL THEM THAT I DID NOT AUTHORIZE THE CHARGE THEY SAID THEY WOULDNT HELP ME. ALL I WANT IS MY MONEY RETUNED TO ME I AM A SENIOR CITIZEN AND DESERVE TO BE TREATED WITH MORE RESPECT.
Product: Debt collection

Filed dispute with pro collect inc. on XXXX.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt. 
5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.
Product: Credit reporting or other personal consumer reports

I have a letter from XXXX XXXX XXXXXXXX XXXX, stating.in writing please removed from my credit file. Thank you. 
We're no longer the creditor on your account.
Product: Checking or savings account

Received a phone call from a toll free number on XX/XX/22 at XXXX whereas an individual male individual pretended to be a representative from Bank of America XXXX This individual said he was from the fraud Dept. and wanted to know if I had made several transactions including one transaction from XXXX XXXX, I did not provide this individual with any personal information. I asked the individual if he knew my address to which he cited an old address that I use to own a home approximate 10 years ago. At that I hung up the phone. 
Attempted to call the toll free number and got a voice response asking about my political affiliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a VICTIM of their Inquiry issue. Make sure to keep the list of inquiries from My credit report, l need to list off the inquiries from my credit report ; they have to remove from the list. 
Inquiry details : XXXX COMPANY CHECK MY CREDIT REPORT : XXXX XXXX ; THEY CHECKED MY CREDIT REPORT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX Mailing address : loan Depot LLC, Consumer Lending Division, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 
TEL # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have suffered from identity theft incident. The problem was found back in 2019, and I have been working with the credit reporting agencies to remove all accounts that were involved with the crime. I have submitted FTC identity theft report and police report to support my stand, but the TRANS UNION CREDIT REPORTING AGENCY is not removing one fraudulent account from XXXX XXXX. 
XXXX and XXXX found this account to be fraudulent, so they have removed and block the fraudulent account from XXXX XXXX. 
Unfortunately, Trans Union is ignoring my statement of me falling into identity theft crime and my supporting documents. 
Also, I have requested following documents from the creditors and the credit reporting agencies, and they have never provided me such documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account They are violating FCRA and FDCPA by reporting an account that was never properly validated and verified. I have not received any of documents that I have requested.
Product: Credit reporting

Equifax reporting several incorrect information for several accounts- XXXX-No updates since XXXX XXXX XXXX XXXX updates since XXXX-incorrect balance XXXX-No updates since XXXX XXXX XXXX-No updates since XXXX XXXX ; incorrect balance XXXX-Still showing an open loan with a balance of XXXX Account PIF
Product: Credit card or prepaid card

I asked the company XXXX Bank of America ) not to close my account. 
I do not want the account to be closed, and I have 100 's of bill payments from my account ending in XXXX at Bank of America. 
I ask that my account is reinstated and put back in active status by Bank of America. 
I asked for the company ( BOA ) to reopen/reactive my account ending in XXXX. 
I am a member in good standing, always, and I pay my bills at the time each time. 
Please confirm in writing by both EMAIL and US Mail. 
I would like to hear from executive office of Bank of America. 
Thank you. 

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

XXXX XXXX reported that my account was thirty days late which was inaccurate. I went into the branch to resolve the matter but they told me they couldnt change the information because a computer generated the information not them. XXXX XXXX told me to dispute with the three bureaus and they will correct the information once the credit bureaus send the information to them. It was removed from two bureaus except Experian. Which I dont understand how they verified the account in two days. The account was reported incorrectly.Experian is not trying to remove it from my account. I need for the inaccurate information to be corrected. Thanks!
Product: Debt collection

On XX/XX/XXXX I sold my home at XXXX XXXX XXXX, XXXX, Ga. XXXX. I live there for over 21   years. I had used XXXX  XXXX XXXX- Acc # XXXX -the entire time. I was never late or never missed paying my bill on time. Not once ever. The monthly bills for the last year, XXXX, average between {$60.00} and {$120.00} per month. The month after I moved I received a bill saying I owed {$340.00}. My payments were up to date as of the time I moved. I call XXXX  XXXX. XXXX immediately because I could not understand what the {$340.00} was about. The person I contacted gave me the run around that it was money 's they had not charged me for gas that was back due. Told her it sounds like something you have made up and want me to pay. I could not understand or follow anything she was saying about the situation. Told her to send me in writing, along with proof, what this supposed claim was about that you want me to pay. You need to give me the background, numbers, dates, etc. Never heard anything from them. On XX/XX/XXXX, I received a notice from a debt collector -- Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, WA, XXXX for {$340.00}. This is eleven months after I had spoken with them and since I never heard back I assumed the situation was rectified. Now I see that XXXX XXXX XXXX evidently sold this fraudulent " Bogus '' claim to Convergent. I do not owe this money and I need your assistance in rectifying this false claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 information is inaccurate.
Product: Vehicle loan or lease

Two Issues with Fifth Third Bank. 1st. No one could answer me with getting an updated interest rate due to being charged a higher rate due to my nationality and skin color. ( I received a settlement in XXXX for this with FIFTH THIRD BANK.. ) 2nd. Car was repossessed over the interest rate issue and non payment on my part. I paid {$1800.00} in XX/XX/XXXX, to get the car back and paid ahead two months I was told. So I was told the {$1800.00} would cover the {$480.00} repo fee and the rest of XXXX payment as well as XXXX and XXXX of XXXX. I spoke to 2 different people in the last two weeks and Fifth Third bank is stating that I owe for XX/XX/XXXX now and trying to charge me the REPO FEE OF {$480.00} AGAIN. 

XX/XX/XXXX I tried to get a manger on the line and they noted I had to be sent to the collections department as they are different, I could only leave a message when I was transfered. And now my car payment is late and I was told in XXXX I would be all set with payments till XX/XX/XXXX. The customer service has been poor and it seems no one is willing to help re adjust the payment of {$1800.00} that was taken in XX/XX/XXXX.
Product: Credit card

On XX/XX/year> I was notified of suspicious charges to a CITIbank credit card in my name. I do not have a CITI credit card and have never had a CITI credit card. I contacted CITI with the phone number in the text and advised them of this. They stated they would block the charges, close the account and begin a fraud investigation. I have called every day since then to request verification that this has happened either written verification or a case number and they refuse to give me any information. I have been transferred to more that 10 different phone numbers and have just been given the runaround as far as requesting verification that a fraud/ identity theft report was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated all my accounts was 100 % correct and accurate and investigated properly but how is that possible when the open date is inaccurate, the date last active is inaccurate, and last reported is inaccurate this is ground for removal and they also violated my rights under 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH a ACCOUNT WITHOUT MY WRITTEN CONSENT
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name XXXX is reporting incorrect information on my credit profile. The alleged debt is being reported by Transunion as " Charged Off '' but XXXX and XXXX not reporting that can not be true, Because the account on Transunion and XXXX and XXXX are different its not even on them so this means the account has not been properly verified. Please delete this account immediately.
Product: Credit card or prepaid card

XX/XX/2016 I called Target Red card accounting per their XXXX number provided and asked for the credit card accounts supervisor, I told her VERY SPECIFICALLY 3X that I would be leaving for XXXX on approx. XX/XX/2016 and I needed an EXACT ACCOUNTING of my Target card so I could pay the entire amount off as I would be gone 2 years without any way of receiving or paying any billis that would arrive after my departure. 
I was given a TOTAL ACCOUNTING of $ XXXXusd and paid that amount, in full, on XX/XX/2016. 
2 months later I received notification from my XXXX credit score that my perfect credit score was now XXXX. 
After many calls and absolutely NO help from Target, I found out that my account had been billed for purchases in XX/XX/2016 that should've been known to Target 's accounting and billing department. 
Because of their ineptitude and failure to report an accurate accounting of my account, my credit score was damaged irreparably and created financial hardships for me and a tremendous amount of business problems.

I had to wait 2.5 years to dispute my credit reports and send Target my complaint- which they summarily denied any responsibility. 
Target has since emailed me to say they had mailed a response to my demand for compensation but that was almost 2 months ago and no mail or email correspondence has been received. 
Target is responsible for destroying my 45 year perfect credit for a {$19.00} charge they should have accounted for- causing me financial hardship and business problems not to mention 3 years of terrible credit and the horrendous stress it has caused me trying to rehabilitate my credit and my good name.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with One Main Financial to pay off credit card debts. The interest is {$XXXX} a day, so it comes out to about {$XXXX} a month of additional interest. My payments each month are {$XXXX}. This is such a predatory tactic, interest is fine, that's just a bit much. I did reach out and the XXXX office has not gotten back to me despite a few phone calls i left them after they emailed me a generic auto email. I was trying to talk to them about paying this loan off quicker in lump sums of {$XXXX} but the interest is going to keep accruing as I am attempting to make those large payments. Its just incredibly unfair. I am trying to get myself into a better financial situation but this makes it very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late TD Bank/Target - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX  - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Debt collection

The debt was paid in full. Im requesting Rent Recovery update and delete from all ( 3 ) credit agencies.
Product: Debt collection

I am following this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency it remains on resolve our request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. as a consumer, I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692 g. I request that you provide me Verification of this alleged debt. Verification consists of a formal where you swear to the truth of the statements of the fact of the matter, have first hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the fair debt collections practices act you are required to cease all collections of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 


I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information In my name to the consumer reporting agency
Product: Credit card

please advise on below. I was told I would hear back within 15 days and have been ignored again. bad customer service. why tell me I will get a response in 15 days if I wont? 
again where in the contract does it state you will price gauge me to use my fourth night free benefit?
Product: Debt collection

I am unaware of this debt. It does not belong to me. I never received any notice so that I could dispute this debt. It violates my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX : XXXXXXXX XXXX XXXX  XXXX