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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was reviewing my credit report. I was alerted to a collection report for XXXX XXXX. I do not know this debt and it also exceeds statue of limitations for XXXX as XXXX went out of business in 2020. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction with Orbit Leasing on XX/XX/2017. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Orbit Leasing then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Debt collection

I sent a debt validation letter to Portfolio Recovery Associates XX/XX/2019 they responded by sending me a credit card bill. I responded back to there letter stating that they didn't properly verify the debt in response I received a letter from them stating that they have already responded to a previous dispute substantially the same as my present dispute and due to no new information they wouldn't be forming another investigation. It also state that if they continue to receive subsequent correspondence from me regarding a dispute that has already been resolved they will consider my inquiry answered and they consider the matter closed. But yet they failed to properly verify the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. 
XXXX XXXX ( XXXX ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. 
XXXX XXXX stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and 1 payment was made XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX failed to report payment delinquency information on credit reporting payment history. 
XXXX XXXX is furnishing re-aged payment history reference " payment history legend. '' XXXX XXXX " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. 
Per Experian online credit file, XXXX XXXX is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. 
Referencing the 1st page attached, XXXX XXXX is redirecting me to address inaccurate information on my credit file to Experian, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, XXXX XXXX has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my Experian credit file similar to XXXX & XXXX who immediately removed this derogatory item from my credit file.
Product: Student loan

A Navient rep told me on the phone earlier this month that I qualified for and had been enrolled in an interest-only repayment plan. When I checked my account on the Navient website, it said I was denied for interest-only repayment, and the listed reason why was literally nothing besides " your loan is currently not eligible for the requested repayment option ''. This is not even close to an acceptable explanation, especially after the rep told me I was qualified. No explanation has been offered and I have been repeatedly denied this plan in the past without ever being given any reason or being told what I need to do to qualify. I am struggling to pay my loan and have been told by other reps several times that my only option is default.
Product: Credit reporting or other personal consumer reports

am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm I have no knowledge of those accounts listed The address listed of occurrence is where the theft happened I never lived in XXXX XXXX I live in XXXXXXXX XXXX I had to come all the way out here to wait at the location until an officer came to do the report.
Product: Debt collection

Midland Credit Management started reporting on all my reports XX/XX/2022. They are currently reporting on all XXXX national reporting agencies. They do not have the authority to collect anything from me. Per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they are not licensed in the state of Illinois to collect anything as they do not have an active license for Illinois. This has been reporting for over a year negatively affecting my credit profile and making it hard to purchase a home. They have no legal grounds to collect anything from me, furthermore when I requested them to validate the debt was mine, they could not. I would like this collection removed from every single reporting agency and updated ASAP. Please see the screenshot showing they do not have authority to collect in IL. There are XXXX different collections showing, their account numbers are as follows : XXXX XXXX XXXX
Product: Credit card or prepaid card

Navy federal did not notify me that my account was past due before submitting a negative report of late payments on my credit account. When I received their collection letter, I immediately paid the account in full. When I spoke with their staff, they initially said they did not submit any late payment report but when I checked my credit score it had dropped drastically and it was due to their late payment report. Three different people advised that an advanced payment specialist could remove the negative report from my credit report but when I spoke with credit card supervisor she said that information was incorrect and their policy was not to remove it. They should remove it and they should not be able to drop a person 's credit score so drastically and then tell you there's nothing they can do.
Product: Student loan

On XX/XX/XXXX I was laid off from my XXXX XXXX due to economic downsizing. Despite applying for countless jobs, no one wanted to hire a XXXX  woman and so after my child was born I ended up claiming unemployment for a short while. I continued interviewing, to no avail over the next six months. I also CONTINUED to pay on my student loans during this time, and for another two years after losing my job by taking money out of my IRA. Realizing we couldn't afford the $ XXXX/yr fees associated with XXXX children in daycare, I became a XXXX XXXX. Navient allowed me to defer my loan for unemployment and financial hardship a few times but after XXXX XXXX XXXX XXXX and having regular income, albeit a small amount, I tried to apply for income based repayment plans so I could stop racking interest and fees associated with continued deferrals, defaults and forbearances. EVERY SINGLE application for IBR was either denied or resulted in a LARGER payment than I was already making - meanwhile my income is a measly fraction of what it was when previously employed full time. According to Navient, my household income is accounted for when establishing these numbers ; understood. The problem with our household income is that we still can not pay our bills in full ( which I provided three years of our own budget tracking spreadsheets as proof ) AND the latest IBR repayment values they issued on XX/XX/XXXX are hilariously ridiculous. They are as follows : 9 payments of {$480.00}, 122 payments of {$820.00} < -- -- -- please note this!!! 
2 payments of {$350.00}, 4 payments of {$340.00}. 

WE CAN NOT AFFORD THE PREVIOUS PAYMENT OF $ XXXX/mo anymore and there is no way we can afford the aforementioned  payment schedule. 

I need some help here. My loans have exploded in value because of all the deferrals, and forbearances and my credit has plummeted due to the defaults. I WANT to make a payment that we CAN afford, but clearly Navient doesn't want to help me do that.
Product: Debt collection

I only owe {$540.00} the company is claiming I owe over {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 
The details of the disputed account are as follows : Account Name : XXXX Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most. 
I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness. 
In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act.

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry. 
I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed. 
Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a XXXX dishwasher at XXXX  onXX/XX/XXXX in the amount of {$640.00}. I accepted an offer to finance this purchase from affirm.com. The loan terms were six payments of {$100.00} starting XX/XX/ for six months. Loan #XX/XX/XXXX. I returned the dishwasher to XXXX on XX/XX/XXXX Return # XXXX. OnXX/XX/XXXX advised affirm.com that the purchase was returned and the transaction was cancelled. Affirm.com continues to charge me {$100.00} for payments on the loan. I have contacted affirm.com repeatedly ( XXXX ) to advise them this transaction has been cancelled and that I should not be charged loan payments. Affirm.com has been consistently uncooperative in resolving this matter.
Product: Credit reporting or other personal consumer reports

I would like to formally dispute the late payments and hard inquiries listed on my credit report, as I do not recognize the lenders involved. These inquiries appear unauthorized, indicating potential inaccuracies in my credit file. 

Furthermore, I assert that payment was neither late nor missed on the specified accounts. Consequently, I request the removal of these erroneous hard inquiries and late payments from my credit profile to ensure its integrity. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CNAC has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/XXXX showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many  negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.
Product: Credit card

I did not authorize Discover to debit my mother 's bank account for {$100.00}. Discover said that I did. They put through a payment for {$100.00} and caused my mother 's bank account to bounce and now they will not reverse the transaction and pay the XXXX bounce fees that are on my mother 's bank account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Experian, XXXX, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy. 
Delete these addresses they do not belong to me. 
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

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify CREDIT BUREAUS REPORTING THIS ERRONEOUS ACCOUNT to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX CARD XXXX and XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX CARD and XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX CARD and XXXX to the IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX CARD and XXXX  accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements XXXX be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.