23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get a SECURED CREDIT CARD for a while now. I first tried to get one from my Bank and they sent me a denial and a credit consumer report saying would have to call them to figure out why. I called them and sat on the phone to be told to email them. the email stated i had a XXXX XXXX debt to income. I tried signing up for XXXX and they said i couldn't sign up for security reasons. and finally XXXX XXXX says my records are not listed in the credit bureau. I have never had a Credit card before to build debt or credit and i dont owe anything to anybody and i dont receive any bills for stuff i didn't pay.Any help with this would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX ( needs to be removed ) XXXX15 U.S. Code 1692e - False or misleading representations XXXX Account Number XXXX ( showing different account number not accurate ) 15 U.S. Code 1692e - False or misleading representations XXXX XXXX ( identity theft ) Account Number XXXX ( please removed ) 15 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA account # XXXX, XXXX Opened XXXX has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX ; XXXX My friend XXXX transferred XXXX dollars to my cash app account to help me with Christmas. I ended up sending him back XXXX to dollars so he could pick up something for my daughter at the store. I then put my phone on the charger and left it but when I returned for it I noticed that XXXX dollars had been transferred out of my account back to XXXX. XXXX said the money never came back to his account and it's not in mine either so where did my money go. I did not authorize this transaction and don't know how this happened. What I know is I have XXXX devices that have my cash app account on it and my XXXX was recently stolen and all my cards and accounts have been tampered with. I have sense changed all my passwords and cards but I want that money back. Cash app is not helping me in this matter because they insist I made the transfer but I didn't this is not fair and now there's no money for Christmas for my kids. On XXXX  end it even says it was a declined transaction so where's my money at?
Product: Student loan

I submitted my Temporarily Expanded Public Service Loan Forgiveness application to Federal Student Aid on XX/XX/XXXX, more than a full calendar year ago. In XX/XX/XXXX I was notified by FSA that my loans and employer were eligible, and that MOHELA would be my new servicer to complete the public service loan forgiveness process. Not hearing anything from MOHELA for 4 months after that, in XX/XX/XXXX I called MOHELA and was told my case was " on the cusp '' of being resolved. In subsequent exchanges with MOHELA, they say that they have not yet received my loans. I emailed FSA to inquire about this twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both of those email inquiries remain in review. Meanwhile, in checking the MOHELA web site, I am unable to upload documents related to my case and I have received no direct answer to my emails informing MOHELA that their site contains this crucial glitch, making it impossible to submit updated documents electronically. I understand that there is a historic volume of loan forgiveness requests, but this has been going on for well over a year and at this point I dont even know the current status of my loans/TEPSLF application. I am anxious to get this resolved because every month this continues, I am docked another loan payment.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention XXXX discrepancies on my credit reports that have been causing me concern. As a responsible consumer, I am eager to request your assistance in resolving these issues. 

Discrepancy XXXX : XXXX XXXX Credit Card Account Account Opened : XX/XX/XXXX I had multiple late and missing payments, resulting in a serious delinquency notice on my credit report. Although the account was charged off, I made full payment to XXXX. However, despite my efforts to resolve this issue, a " serious delinquency '' notice continues to appear on my credit report every time it is run. Unfortunately, this notice does not specify which account is causing it, further complicating the situation. 

Request for Clarification I am requesting that the credit reporting agencies provide a detailed explanation of which account is causing this " serious delinquency '' notice to appear on my credit report. This is essential to accurately understand and address the issue. 

Expected Removal Date As I researched the impact of old accounts on credit reports, I discovered that all collections and delinquencies should fall off after 7 years ( Federal Credit Reporting age ). Since the account was opened in XX/XX/XXXX, this month ( current year ) marks 7 years since the opening date. I am requesting confirmation as to when this account will fall off from my credit report. 

DiscreXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Account Opened : XX/XX/XXXX This account is currently listed as " derogatory '' on my credit report. However, I made a full payment on XX/XX/XXXX. As the account was paid in full, I should no longer have any negative information associated with this account. 

Request for XXXX I am seeking clarification on the expected removal date of this account from my credit report. Could you please provide me with an update regarding when I can expect this account to be removed? 

Request for Update Could you please provide me with an update regarding the expected removal dates for these accounts on all major credit reporting agencies ( Transunion, XXXX, XXXX, XXXX and others )? I would like to ensure that both accounts are accurately reflected on my credit report after the respective XXXX period has passed. 


Thank you for your prompt attention to this matter. I am committed to maintaining a positive and responsible credit history, and any resolution to these discrepancies will aid in ensuring a more accurate and fair XXXX XXXX representation. 

I eagerly await your response and am available for any further clarification or information if needed.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

XXXX Cfbp ID number. World Finance Corporation, states discrepancy with my FTC Affidavit & Police Report. World Finance Corporation, per the Fcra 15 1681 rule, Identity Theft. Please provide to me a copy of the original loan dated and signed fraudulently with my name, address, state identification used in opening two accounts that World Finance Corporation has been reporting on all 3 credit bureau 's since 2019. In 2019, I noticed these fraudulent accounts being reported to the credit bureau 's. The information on each the FTC & Police Report- is the same in stating 2019 as begin date. Please explain the method World Finance Corporation used in determining a discrepancy in information accordingly with the CFR 12 1022.3 & FCRA 15 - 1681 Identity Theft. Please provide this information ASAP. Thus, all communication regarding this matter, will be handled with the CFBP Website. I will not communicate with this company outside of this platform unless matters should need to be resolved our attorney 's.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

So my name is XXXX XXXX and my information was impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Equifax is reporting inaccurate and incomplete credit information. I am distressed that Equifax have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I am submitting this complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts from 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 accounts listed on an IDTHEFT 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 accounts which do not belong to me or were opened without my permission : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have read that 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 card or prepaid card

Your boxes do not fit my situation. 

Around XXXX I opened a Target Red Card Mastercard. My daughter was in college so I got her a 2nd card to use for 2 years. Then we went through much trouble, but I was finally able to get her OFF my account, closed her 2nd card in around XXXX or XXXX. Today, my daughter told me that there is still an account in my daughter 's maiden name on her credit report ( impacting her credit ). She'll deal with that. 
Meantime, she called Target Red Mastercard- over the PHONE, she was given my current balance, personal information, upcoming transactions, etc. She's not even on my account! I see this a a breach in confidentiality and this has impacted me very negatively. I immediately canceled that credit card.
Product: Debt collection

They have repeatedly called me almost everyday for about a year. Some times there is a day or two gap in calls but they call me Atleast 4 times a week. I never return calls unless a voicemail is left or I know/recognize the number, and I NEVER answer unrecognized numbers. Almost every time they call its from different numbers but the same area code ( XXXX ) and the caller ID just says XXXX, Ok. I dont know how many phone numbers this company has but good lord theyve called me from probably XXXX different numbers, which as you can understand makes blocking them impossible. I do have some debt collectors sending me mail but these phone numbers or company name ( CBE group? ) are never on the paperwork so I have no idea what these people want and Im not talking to them. 

The other day it changed when the caller Id said CBE GROUP and I had something to go off of so Ive been looking into them. The reviews are downright scary. A lot of people saying harassment, lots of calls, rudeness, scam-like behavior, demanding personal info without giving any info themselves about why theyre calling. 

I have no idea who these people are or what they want and I refuse to talk to them. I just found out about this bureau and being able to make a complaint. PLEASE HAVE THEM STOP CALLING ME FOR THE LOVE OF XXXX STOP CALLING ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a charge-off of {$7400.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX  which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this account however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. This account is up-to-date and should not be reporting any derogatory information on my credit report. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called the Experian multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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, credit repair services, or other personal consumer reports

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

Thank you,
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on 5/3 BANK NA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

5/3 BANK XXXX XXXX Opened : XXXX/XXXX/2017 Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX PL XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$3600.00}.
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX Company Information : Company Name : XXXX XXXX XXXX Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Company Email : XXXX Phone Number ( if needed ) : XXXX Complaint Details : Issue : XXXX XXXX XXXX has failed to take action regarding fraudulent accounts that were compromised and misused under my name, despite multiple disputes and legal notices. Their negligence has resulted in severe financial harm, including false charge-offs, unauthorized debt collection activity, and reporting of inaccurate information to the credit bureaus. 

Accounts in Question : XXXX ending in XXXX Code to locate : XXXX XXXX ending in XXXX Code to locate : XXXX Complaint Summary : 1.Failure to Investigate Fraudulent Accounts : Despite my certified mail dispute sent on XX/XX/XXXX, and a follow-up demand on XX/XX/XXXXXXXX XXXX XXXX has failed to investigate or remove these fraudulent accounts. 
XXXX in Verifying Identity Before Communicating with Unauthorized Individuals : XXXX XXXX engaged in unauthorized communication with fraudsters regarding these accounts instead of properly verifying identity. 
3.Failure to Suspend or Close Compromised Accounts : Even after being notified of fraud, XXXX XXXX allowed these accounts to remain open, leading to further misuse and financial damage. 
4.Unauthorized Credit Reporting and Debt Collection : These fraudulent accounts are now listed as charge-offs, which has severely impacted my ability to obtain housing, loans, and financial stability. 
5.Lack of Response and Compliance : XXXX XXXX has ignored multiple dispute letters, failed to respond, and continued inaccurate reporting, violating my consumer rights under federal law. 

Financial & Personal Harm : As a direct result of XXXX XXXX  negligence, I have suffered : Denial of Mortgage Loan & Housing Instability Higher Interest Rates on Loans Due to Damaged Credit Inability to Co-Sign for My Grandchildrens College Loans Loss of Employment & Business Opportunities XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice of a debt owed which I sent in a payment and the check was cleared on XXXX XXXX, 2021. I continue to receive notices the debt has not been paid and phone calls. I have sent two notices back with copies of the cleared check in XXXX and XXXX yet the debt collections agency claims they have no record of the debt paid off. I am attaching one of the bills I have received along with a copy of my paid check in the full amount with the account number on the check. I received a phone call today and the person from the company first told me he checked with a supervisor to see if the debt was paid then changed his story to he checked an automated system. He refused to allow me to speak to a supervisor and stated they had no email address available for me to send the copy of the check and notice but wanted my e-mail. The company is A.R.M Solutions , Inc. address is XXXX XXXX XXXX XXXX Ca. XXXX ; ( XXXX ) XXXX ( This information is from their website ). The notice has a XXXX XXXX XXXX XXXX and phone ( XXXX ) XXXX. Their website lists an email address XXXX. Thank you for your assistance in this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I noticed in my XXXX XXXX app that monitors my credit scores that my credit score dropped, and there was a hard inquiry. The entity that pulled the hard inquiry on XX/XX/2019 is the following:CREDCO/ XXXX XXXXXXXX XXXX XXXX XXXX CA XXXXXXXXI tried to call this number and it always said all circuits are busy.I did not authorize this inquiry. I have not authorized anyone for a hard inquiry recently, and my banker said they did not ask for this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the credit bureau XXXX  XXXX  and XXXX to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.