23daVinci/CFPB_Complaints huggingface dataset:
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 TRANSUNION 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 auto loan opened at XXXX XXXX XXXX on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaintas proof from the US Federal Trade Commission that all of the aforementioned consumer creditaccounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I was charged by a company in XX/XX/XXXX that should have never had my card. They ran the card 3 times. I disputed what I thought was all 3 charges on XX/XX/XXXX and 2 of the 3 we're resolved and credited back XX/XX/XXXX. On XX/XX/XXXXI called in to check on the 3rd charge and was informed that it wasn't disputed so they put in the dispute in XX/XX/XXXX for a charge of {$180.00}. This charge has still not been resolved as of XX/XX/XXXX. I call in every month because I am getting charged interest on this dispute and I'm being told that someone is escalating my account and that they need 3 to 5 business days. I get transferred around and put on hold and still don't have my money back or the interest I have been charged. 60+ days on a dispute is horrible customer service.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for the immediate removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, as authorized under 15 U.S.C. 1681c-2 ( a ), and I invoke my rights under the Fair Credit Reporting Act ( FCRA ) to have these fraudulent items permanently removed.

The following fraudulent accounts and inquiries have been identified as a result of unauthorized activity : Accounts -XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX. 
XXXX XXXX  Account Number XXXX Date Opened : XX/XX/XXXX Inquiries XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax Supporting Documentation I have included the following evidence to support my claim : 1.FTC Identity Theft Report : Detailing the fraudulent activity and confirming my identity theft case.

2.Proof of Identity : A copy of my government-issued ID and a utility bill confirming my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute # XXXX to Equifax on XX/XX/XXXX regarding reporting of XXXX credit card account settled in XX/XX/XXXX. XXXX and Equifax failed to report the Date of First Delinquency / FCRA Compliance Date as required by law. 

As of today XXXX almost 2 months later ) the dispute is still shown as Pending when I check its status on the website ( screenshot attached to complaint ). 

XXXX The account is still reporting without displaying a Compliance Date. 
* I have never received the results of the dispute. 
XXXX Equifax has exceeded the 30-day maximum dispute time frame on this account. 
* I no longer have confidence that Equifax is conducting a competent review of its reporting on this matter.
Product: Credit reporting or other personal consumer reports

This company is reporting a debt that is not authorized. 
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report. 

Issue Summary : On XX/XX/year>, I reviewed my Experian credit report and discovered inaccurate information regarding [ describe the issuee.g., an incorrect account, fraudulent activity, inaccurate late payment, etc. ].
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX Is a Collection Company and should not have a past due amount or date by default
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}
Product: Student loan

In XXXX and XXXX of 2019. The Dept of Education Nelnet reported 90 & 120 days late payments. I was currently attending the XXXX XXXX XXXX XXXXXXXX XXXX. My loans were in deferment. I never had to start making payments. How was my loan reported late?
Product: Credit card

I sent a check of {$2000.00} on XX/XX/XXXX To my Home depot credit card Got final bill of XXXX and I paid it on XX/XX/XXXX I Should have had a XXXX balance .Then I get a bill for XXXX supposedly a late fee. I sent a check for XXXX they got it on XX/XX/XXXX. I talked to a manager on XX/XX/XXXX he told me they didn't process it till XX/XX/XXXX which made it late. Now they are stating I owe XXXX. Not right
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX  ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit card or prepaid card

fraud done on best buy card, denied statement to dispute charges - 
called many times -
Product: Student loan

I called XXXX yesterday and couldnt get any help on this. I think I reconsolidated my loan in XXXX with XXXX to apply for the loan forgiveness program. 

I borrowed about XXXX in the XXXX and started repaying the loan in XXXX. I consolidated with ACS in XXXX. At that time, the loan was XXXX. 

Now, I still owe XXXX. I dont understand why no principal has been paid down after 20 years of XXXX per month. 

I would like to get documents on the loan history. I am no longer a borrower in ACS now Conduent and so I cant ask them. Studentaid.gov told me you would have the documents even though you have only held the loan since XXXX.
Product: Debt collection

No Proof of Contract : I request that you provide valid documentation or proof of the original signed contract associated with this account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. To date, no such proof has been provided. Violation of FCRA Reporting Standards : According to Section 605 of the Fair Credit Reporting Act ( FCRA ), negative information, including collections, should not remain on a credit report fo
r more than seven years. If the debt has not been validated and remains unproven, I believe this collection should no longer be reported. 

XXXX
Product: Student loan

Over the course of many years Navient failed to inform me of my income-driven repayment options and allowed me to continue with forebearances. This resulted in accumulating massive amounts of student debt over and above the original loan amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : Creditor : XXXX  Card Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX & XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX & XXXX XXXX Date : XX/XX/XXXX Creditor : Zip CO XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX GA Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i only gave them premission to run my credit one time not twice they have two different dates on my credit i will like the inquire for XXXX XXXX to be taking of my credit report i didnt give them premission this day
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint despite multiple requests regarding these inaccurate informations. The inaccurate items listed below continue to report on my credit report, in violation of federal law. If you do not remove these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These items must be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was in the process of checking my credit with the credit agencies and I noticed XXXX loans under my name that i did not open and have no knowledge about. i believe these are fraudulent XXXX loan accounts opened in my name which is now affected my credit i need these removed immediately please. 

The fraudulent auto loans are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have or own a XXXX and neither do I have any XXXX related with XXXX XXXX. 

I have filed an FTC report for these fraudulent accounts and I really need help getting this removed from my credit report
Product: Debt collection

I received an invoice on XX/XX/XXXX showing an amount due of {$450.00}. 

On XX/XX/XXXX without any notice the amount grew to over {$12000.00}. 

In XX/XX/XXXX we reached a settlement that the case would be dismissed. 

In XX/XX/XXXX. I received an invoice showing no fees fines. This was due to case being settled. 

I complied with all the terms of settlement. I mailed Certified mail with return receipt the settlement offer to debt collectors office. 

Without any notice After settlement was reached attorneys filed a motion for XXXX  XXXX. After settlement was reached with no notice attorneys decided to proceed to trial. 

Debt collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letters to Equifax, XXXX and XXXX credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an account open under my name and social, that i never requested.
Product: Debt collection

I contacted the debt collector Grant Mercantile Agency to pay off my debt. They gave me an amount of XXXX to pay off. I contacted the original creditor ( XXXX XXXX ) to pay the debt off. They then proceeded to contact the Grant Mercantile Agency and the amount had escalated to XXXX. The shock and the anger of raising my debt XXXX dollars in a span of 20 minutes was insurmountable. I got in touch with the billing director at Grant Mercantile Agency, after weeks of phone tag I finally paid the original amount. However I have not received any written notification nor email that the debt has been resolved. Also it is still reflecting on my credit report. My credit report has been updated twice since XX/XX/XXXX. This whole situation has been truly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter in the mail at the end of XX/XX/XXXXupdating my one name and my one address onto my credit report, which has not been updated. I also disputed online, but when I try to check the status of my results one of the questions I am getting to verify my identity is asking me about a mortgage loan that was taken out in XX/XX/XXXX of XX/XX/XXXX. I have NEVER EVER applied for a mortage loan so I of course hit none/non applicable, ensuring the rest of my answers to the verification questions are correct, but I am still unable to log in or view my recent dispute results, based off of that question. Im confused because there is not a lot of credit related things listed on my Equifax credit report yet Equifax  is the only bureau I cant access through their website. I call and Im waiting for umpteen and a half hours to try to speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

A private audit of the Capital One transaction history and ledger reveals new discrepancies. 

To Capital One Ethics Committee and Review Board : On XX/XX/XXXX I received a disturbing response from Capital One regarding account # XXXX FACTS : - XX/XX/XXXX I contacted Capital One for an extension due to temporary financial hardship and new employment. 
-In XX/XX/XXXX I was only behind one payment of {$380.00} -I asked to extend one months payment of {$400.00} -Instead of an extension Capital One added the delinquent amount to the extension request amount and demanded I pay {$790.00} to get the extension granted. 
-The {$380.00} would have brought the account current nullifying the need for an extension. The extra {$400.00} would have paid the XX/XX/XXXX bill a month a head of time. 
-Capital One arbitrarily required me to pay 2 payments, when I was only behind one payment, in order to get an extension. 
-If my extension was granted in the month requested I would not have been 30 days late and my account would be current. 
-The accounting ledger of Capital One supports my dispute. 

Capital Ones failure to make the correction based on the accounting ledger and transaction history has caused years of undue damage to my credit report. 

I ask that Capital One explain why I was required to bring the account current and pay the XX/XX/XXXX bill in advance in order to get an extension on XX/XX/XXXX. 

I ask that the names and titles of all persons involved in the investigation of this matter be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time filing a complaint about this credit reporting agency and no one has taken any action to correct the violations that have occurred. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should NOT be included on a consumer report. However my Experian consumer report is currently showing 25 accounts in the account summary section where I have received an authorization or approval of an extension of credit. Federal law prohibits Experian from including these extensions of credit on my consumer report. Those in positions of authority at Experian have failed to comply with the FCRA and as a result Experian is in violation of federal law. Experian has no control or authority of natural persons and their consumer reports. Pursuant to 15 USC 1681 ( a ) ( 2 ) Congress has made it clear that credit reporting agencies are elaborate mechanisms. Pursuant to 15 USC 1681 ( a ) ( 3 ) Experian was not given the role of compiling and reporting information on consumers they assumed that role and their assumption has negatively affected my life by violating my right to privacy. Experian has a grave responsibility to respect my right to privacy as a consumer pursuant to 15 USC 1681 ( a ) ( 4 ). I am demanding that Experian delete all 25 accounts where I have received an authorization or approval of an extension of credit.
Product: Debt collection

XXXX never let me know the account was sold or anything and was almost 7 years old when they decided to sell it and then the debt collector calls me none stop all week and all weekend, from XXXX to XXXX