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

Dear CFPB, I am writing to formally dispute two inaccurate late payments reported by XXXX XXXX  on my XXXX and Experian credit reports XXXXXXXX XXXX  ( Account Number : XXXX ). These late payments, dated XX/XX/XXXX and XX/XX/XXXX, are incorrectly listed as 30 days late. According to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I am requesting an immediate investigation and correction of these errors.

Upon reviewing my credit reports, I discovered these late marks nearly three years after they occurred. At the time, the billing statements provided by XXXX XXXX were inaccurate, which resulted in me not being properly alerted to any missed payments. Since realizing this error, I have maintained an on-time payment history for almost three years and have kept my balance at {$0.00} with a 0 % credit utilization rate, as reflected in my recent balance update on XX/XX/XXXXXXXX XXXX 

Under the FCRA : I have the right to dispute any incomplete or inaccurate information on my credit report. 
Credit reporting agencies are required to investigate and correct errors within 30 days. 

Given my long-standing record of timely payments, I am requesting that the two 30-day late payments be immediately removed from my credit reports and that my account status be updated to reflect Paid or Paying as Agreed without derogatory marks. 

Furthermore, I am willing to set up automatic payments with XXXX XXXX to prevent any future discrepancies and ensure timely payments moving forward. 

Please find the contact details for the creditor below : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX I have attached copies of my credit reports, proof of my recent on-time payments, and any relevant supporting documentation for your review. Including my ID for proof of identification. 

I request a prompt investigation into this matter and a confirmation that my credit reports have been updated accordingly. 

Thank you for your time and assistance. Please feel free to contact me via phone or email for any additional information. 

Sincerely, Legally Binding & Signed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in EBB program and i never received internet
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Student loan

Heres a concise version of your story : In XX/XX/year>, I was diagnosed with severe XXXX XXXX and an XXXX XXXX after experiencing escalating health challenges. This condition has left me permanently XXXX and unable to work. I now rely solely on Social Security Disability Insurance ( SSDI ), which provides minimal income that only covers basic living expenses. Due to this, I am unable to manage my student loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus and the lease company. I have asked them to show proof of being late. I have never been late. They have not provided me documents showing that I was late
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX for their failure to conduct a proper investigation into my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours, asserting that the account is accurate without providing any evidence of a thorough investigation. 

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes raised by consumers. Additionally, XXXX 's actions may also infringe upon the Consumer Financial Protection Act ( CFPA ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This concern has been emphasized in the recent administrative proceedings by the Consumer Financial Protection Bureau ( CFPB ) .I urge the CFPB to publish this complaint so that others may learn from my experience and understand their rights regarding credit report disputes.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and XXXX. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, XXXX XXXXXXXX card on XX/XX/XXXX under the account number XXXX, another XXXX XXXXXXXX card personal credit account opened at XX/XX/XXXX, under the account number XXXX, an account opened at XXXX XXXXn XX/XX/XXXX with a an account number XXXX, an account with XXXX  opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX, opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX opened on XX/XX/XXXX with an account number XXXX, and a XXXX XXXX bankruptcy, which has never been confirmed by the courts and I have not filed with a filing date of XX/XX/XXXX, as well as fraudulent inquiries of my credit report with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, 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 Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit
Product: Student loan

For years XXXX XXXX was charging me a 9 % interest rate on my largest loan, and always told me there were no options for lowering this interest rate. Thankfully XX/XX/2015, my parents were able to pay off that loan by refinancing their home and taking out an additional {$36000.00}. 
I work a seasonal job and earned very little XX/XX/XXXX or XX/XX/XXXX, just barely enough to cover my rent, car and food. Navient, who now services my loans, is telling me there are no options for postponing or reducing my payments, so after years of paying on time and working hard to make payments worth hundreds of dollars every month to this company, they have no options for me except to just become late on my payments, be charged late fees, and have damaging information added to my credit report even though I have taken the time to contact them for help. 
It absolutely brings me to tears to think that all of my hard work to try to improve my life has just ended me as an indentured servant. I would n't be able to qualify to buy a home, or be able to afford having a child, let alone dream of saving for retirement. 
It seems like after having this monkey on my back and already struggling for 12 years, there should be some other option for me than bad credit reports.
Product: Credit card or prepaid card

cash app has no customer servce number for m to get any info on who has access to multiple accounts under my name.I 've emailed and haven't had any assistance with obtaining my billing and personal info. I need bank statements and access to new and old username and passwords.i believe people have been fradulently using bank/wire tranfers to move deposit on my account. i also need to know if my government benefits are being direct deposited to any cash app card that under my account.
Product: Mortgage

My escrow account pays my annual home insurance fee. On my mortgage companys app my escrow information shows that my insurance payment had been dispersed to the insurance company on XX/XX/XXXX ahead of the renewal date of XX/XX/XXXX. On XX/XX/XXXX I got an email from my insurance company asking why I was leaving. I called and advised that my insurance company dispersed the check on XX/XX/XXXX for the correct amount. I tried to contact the mortgage company but there was no response. I now have no home owners insurance even though Ive paid my mortgage on time every month.
Product: Credit reporting or other personal consumer reports

I have been in a deep XXXX since doing an investigation into my credit report. My findings of many, many errors and inaccuracies is incredibly XXXX XXXX  to me, especially since the agencies have a responsibility to make sure that what they are reporting is accurate and true and in this case it is not. This information has effected my work life, I was so XXXX  I had to take time off, so I need this fixed and corrected quickly.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is absolutely the worst company I have EVER dealt with. Not just credit reporting, but ANY company. You can not access their website, it always says they are having problems and try again later. Days, weeks and months later it is always the same. Then they want you to send in a written request for your annual credit report. I do that and weeks later I get a report to send copies of multiple documents, plus ANOTHER letter telling them what I am requesting, plus the ORIGINAL letter ( which was sent to them, therefore, they have, I do not ). Attached is their refusal to send me my credit report. 

I have tried for over a year now to get my credit freeze unlocked and to get a credit report and they refuse to do either.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$150.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$330.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$240.00} Account info Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$450.00} Account info Account name XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$150.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$350.00} Highest balance {$450.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$15.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance - Terms 120 Months Account info Account name XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$720.00} Highest balance - Terms 24 Months Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$520.00} Highest balance - Terms 24 Months Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$650.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$650.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XX/XX/XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XX/XX/XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX  Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( Transunion ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX  Hospital XXXX in the XX/XX/XXXX/XX/XX/XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES ; 1. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There Should be no late payments on this account JPMCB AUTO Account Number : XXXX Please send proof of missed payment, otherwise remove 30 days late from my Late Payment Status 3. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Student loan

Today I learned from XXXX XXXX that because my student loans were consolidated in 2010 that any payments prior to that date are not eligible for the Public Service Loan Forgiveness program. I was not informed, at the time of consolidation, that my eligible payments from XX/XX/XXXX2010 would be eliminated from my PSLF history, and I would be starting from scratch. The customer service rep I spoke to confirmed that " the impact to PSLF is not mentioned as part of the consolidation process '' and it was n't in the fine-print ( which I did in fact read ). They are clearly trying to avoid forgiving loans to those of us who are committed to public service, and that 's reprehensible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$72.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$72.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.