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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ XX/XX/XXXX ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ) , specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, XXXX, and TransUnion ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

I disputed via XXXX mail a dispute with Experian XXXX XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, XXXX out of the XXXX submitted disputes they sent me stall letters indicating I wasn't the one who submitted the dispute although I provided copy of my license social and proof of address with my letters, I also sent them copies of the paid off letters from the creditors XXXX XXXX and Radius Collection agency collecting for XXXX XXXX. Still as of the date of this letter, nothing has been done on my consumer report to accurately report information provided to them from these companies and myself. 
This is a violation of the FCRA and needs to be fixed immediately, I am providing the supporting documents sent to them. 
I also received stall letter from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX appears on my credit every other month for no reason and want to no why and the purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX EST I called Citi and tried to redeem my " ThankYou '' points for travel. The flight I requested to book was not available. To remedy this, the agent suggested that I book directly with the airline, in my case XXXX, and then could use my ThankYou points to offset the charge. After the agent explained, I clarified that the points could be used at the XXXX cent value advertised in the booking platform. The agent confirmed, and I booked a ticket with XXXX. On XX/XX/XXXX at XXXX EST I called Citi to redeem my miles against my now posted XXXX charge. Citi informed me that this is not possible, and I was misinformed. I asked to speak with someone that could triage this, as I felt as a new customer the agents suggestion should be honored. The agent told me that he sent an email to his managers, and I could expect a call back in 1-2 days. No call back was given. On XXXX at XXXX EST I called into Citi again, this time to tell them I was expecting a call back that never occurred. I was transferred to a manger. The manager told me he would personally follow up on Monday, XXXX XXXX after " looking into the issue. '' No call back was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX  XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} XXXX, XXXX  XXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX  XXXX  ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the second time this year, after filing a dispute with Equifax about fraudulent inquiries, Equifax sent me a dispute resolution letter showing that the fraudulent inquiries had been removed. Still, they did not remove them from my actual credit report. 
Attached to this complaint, the dispute resolution letter received from Equifax Confirmation number or Case # XXXX dated XX/XX/XXXX, and Equifax Credit Report from XX/XX/XXXX, are attached to this complaint to evidence that Equifax is violating the Fair Credit Reporting Act of 1970 and Dispute Process required by Law. 
Please advise that I have been denied a mortgage, credit cards, loans due to those fraudulent inquiries in my credit report, and I have the creditors denial letters to evidence my allegations ; I provided required Identity Theft reports for those inquiries to Equifax several times. 
After the dispute process and investigation, Equifax informed me thru the attached letter that the fraudulent inquiries had been removed. However, those inquiries are still affecting my credit file as of today.
Product: Vehicle loan or lease

Loan was paid off on XX/XX/2018 at Wells Fargo XXXX Branch, Washington. 

Was informed that title will be mailed in 4-6 weeks. 

Contacted WellsFargo on XX/XX/2018. They again said that it will take additional 4-6 weeks and would not do anything to rush that process I feel struck in the situation, as DMV said they can rush the title if they want, since its the fault of processing on Wells Fargo part, they should rush the title to me so I can move with my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 INQUIRIES XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.
Product: Credit card

I received a Capital One Mastercard with 0 % APR for purchases through XX/XX/XXXX. Since Capital One ( unlike other banks ) doesn't indicate on monthly statements when the 0 % expires, I called them almost monthly to make sure that my recollection was correct, and every time they confirmed the date. I called them about two weeks ago and gave them authorization to take the balance from my checking account on the expiration date on 0 % APR. They set it up for XX/XX/XXXX of XXXX. I called again a few days before XX/XX/XXXX and spoke with a supervisor to see if XX/XX/XXXX is cutting it too close and if so, move up the debiting of my bank account. She indicated that the date was correct for payment if I didn't want to pay interest. They did take the balance from my bank account on XX/XX/XXXX. They also charged me XXXX XXXX interest. I called in and spoke with a supervisor who upon checking the original offer confirmed that the interest charge was erroneous and " escalated '' and requested the adjustment of the interest to {$0.00}. No adjustment has been done yet. 
Every time I called Capital One, at the beginning the recording says that this call is being recorded. I encouraged the supervisor to listen to my many calls to confirm the XX/XX/XXXX date. I believe that Capital One purposefully is not putting the 0 % expiration date on statements ( like other banks do ) to be able to pull this kind of thing on customers. Why is it that all along they say a consistent date and at the end they move the date? A note to Capital One : Listen to the call recordings and hear it for yourself. I could have paid this off earlier if I had been given an earlier date. 
Thank you XXXX XXXX Card ending in XXXX
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received a collection letter from Portfolio Recovery Associates concerning a computer system purchased from XXXX XXXX through XXXX XXXX. The computer was purchased around XXXX 2011, with no interest charged due to my high credit score. This system was paid in full on XX/XX/2011 by electronic payment from my credit union. I have the XXXX statement showing the full amount of the last invoice I received from XXXX as paid. Portofolio Recovery is demanding payment in full of {$1000.00} even after I provided a copy of the XXXX 2011 CU statement showing the final invoice amount of {$370.00} as paid from my account. They continue to send letters with additional demands which I answer within their time limit, but I do not send additional information except to inform them that their info is incorrect and that I never received any correspondence, of any type, from XXXX, concerning this bogus past due account. I also informed them, to no avail, that IF this was a past due account any reputable company would have made contact sooner that four years after the fact. I understand that this company has some very questionable history in matters of this type.
Product: Money transfer, virtual currency, or money service

Hello Sir/Madam, I usually shop in XXXX an app which is used to buy and sell stuff. I found a bag that I am looking for and asked for the price and agreed to pay. The seller doesn't want me to use the app hence asked me to pay her through XXXX and I asked her for the protection she told me that I can file a claim to for fraud to receive money. We had an agreement and we had a conversation on my phone with some pictures of the product, I don't have any information about her except her name and contact number. She initiated the funds as a invoice that how I came to know her name. She initiated the funds for 2 times the first time she sent me a request for an amount of {$600.00} and the second time she initiated for {$450.00} as we agreed.I will attach the phone conversation that we had below. The amount i transferred {$450.00} on XX/XX/18. As soon as she received money she stopped responding to me and blocked my number. Only hope I had is from my bank which is Citibank, as my transaction shows its pending I called them on the same day and submitted a dispute. I haven't got any response from them yet.
Product: Credit reporting or other personal consumer reports

The credit bureaus Equifax XXXX XXXX XXXX XXXX is reporting in correct information on my credit report I've disputed this information but it has not been corrected the account # XXXX it's been reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this information is incorrect I paid this account off with XXXX XXXX  in full yet it is being reported as a charge off the amount of the balance is showing XXXX different amounts the creditor involves XXXX XXXX XXXX XXXX XXXX XXXX XXXX both are reporting for the same account I have previous disputed these two companies on Equifax XXXX and XXXX credit bureau But they failed to update my report I have contacted the XXXX XXXX  & the creditors and they confirmed the information is incorrect yet it's not updated this should be removed from my credit the incorrect information has caused my credit to drop significantly permitting me from obtaining a mortgage car loan the delay is correcting this area is causing financial harm
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX XXXX ( 2 Accounts with them ) Account Number that shown XXXX Account 1 Opened XX/XX/XXXX and amount is {$470.00} Account 2 Opened XX/XX/XXXX and amount is {$1000.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Hard inquiries that are fraudulent that I didnt give consent and/or authorization to run. 

FI XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2023
Product: Debt collection

I am writing to formally complain about and dispute the accounts that LVNV Funding LLC has reported to my consumer report. These accounts are the result of identity theft and should be immediately removed from my credit report. 
I have recently discovered that I am a victim of identity theft. The accounts you are reporting under my name were fraudulently opened by someone else using my personal information without my knowledge or consent. 
To support my claim, I am enclosing the following documents : An Identity Theft Affidavit A copy of the police report filed regarding this identity theft I am aware of my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I will not hesitate to exercise them if this matter is not resolved promptly and satisfactorily.
Product: Vehicle loan or lease

After being denied a job I found out that this account with the first investor was charged off and I have been in contact with them stating this is not my account and I have never owned a XXXX XXXX XXXX. This car has two names associated and I have no idea who, why, and where this car is. I have never seen this car. They provided me with more information on where it started and disputed that as well. This is fraudulent, someone took this loan out using my information and name. 

I have added a fraud alert on my credit, doing this step and doing a police report to clear my name on this. 

They are suing the wrong person.
Product: Student loan

So I'm a XXXX XXXX XXXX that receives the XXXX bill XXXX military pays for my schooling ) ''. I received a notice on my phone that I had a *Collection alert * from CONSERVE ( XX/XX/2021 ) on my XXXX  App. I was surprise to see that when I know the military pays for my schooling. At the time I was trying to purchase a house so I was like I'll just pay it. ( XX/XX/2021 ) After paying for the collection on ( XXXX ) I received a notification that the account was paid in full. Now as of today ( XX/XX/2021 ) I still have that same collection on my credit report. I called CONSERVE and ask them how long it will take for them to take the collection off my credit, there response was you have to contact the credit bureau now that you have PAID us. Please help me solve this problem.
Product: Debt collection

The company that keeps calling me before XXXX is called XXXX ( XXXX ) XXXX I have asked them many times to stop calling me and now they have a robot calling me every week
Product: Credit reporting, credit repair services, or other personal consumer reports

A settlement check was mailed to my former address in XXXX by the company handling the Equifax XXXX in XX/XX/XXXX. However, I have moved out of that house ( my sisters ) on XX/XX/XXXX and no one has been living there consistently since then. When my sister visited the place a couple weeks ago and found the letter with the Equifax settlement, she sent it to me. 
I opened the letter and saw that the check was no longer valid since it was written in XXXX. I called the number listed on the check on XX/XX/XXXX to request that a replacement check be sent to my new address. I was told that that is no longer possible since the were not authorized to reissue any checks as of XX/XX/XXXX XXXX less than 5 months after the checks were mailed!! ). 

I think that is unfair. I realize that its not a XXXX dollar check but how many people like me had their settlement checks mailed to the wrong address and now " someone's '' bank account is a little fatter because of this " oversight ''?
Product: Checking or savings account

Opened Citibank checking account in XXXX, 2020 with a promotional bonus of {$400.00} for meeting deposit requirements and maintaining a {$15000.00} account balance for a 60 day period. The terms of the offer is the money will be deposited within 90 days of meeting the requirements. It has been almost four months and no monies have been deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory mark on my XXXX  credit report, the collection agency Burr & Reid from XXXX, NY never contacted me to let me know I had a debt in collections! They said they did and I told them I never received a letter or anything else to inform me of the debt! I asked them what address they had listed for me and they read off a different address than mine not my address. They said not there problem, I said if the debt is mine Ill pay it off as long as you have it taken off my credit report and they said no they wont take it off the credit report regardless if you pay it! How is this fair!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Transunion on XX/XX/2022 via the Transunion consumer online dispute center. Transunion responded on XX/XX/2022 that the dispute was received and could take upto 30 days for completion. Transunion also ensured that all investigation results would be shared with me at the end of the investigation by Transunion as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 Transunion contacted me via email and the online Transunion dispute center to inform me that my dispute investigations had been completed as of XX/XX/2022. Transunion failed to ensure a thorough investigation because XXXX, Transunion, and XXXX are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Transunion claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Transunion consumer report. This is a clear example of Transunions willful noncompliance and negligence with rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If Transunion is claiming to have investigated yet I can not determine between XXXX, transunion, or XXXX who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanetly removed immediately upon receipt of this complaint.