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

( XXXX, XXXX XXXX ) ( XXXX XXXX XXXX  ) ( XXXX, XXXX ) Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Date : AV : XXXX XXXX /Opened XXXX XXXX Credit Limit {$1500.00} High Balance {$99.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Collection Account : XXXX credit card Account Number : XXXX Date AV ; XX/XX/XXXX Opened XXXX Balanced Owed {$400.00} Credit Limit {$1500.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Collection Account : XXXXXXXX XXXX Account Number : XXXX Date AV : XXXX XXXX Opened XX/XX/XXXX Balance Owed : {$2500.00} Credit Limit {$3000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : US Dept.of Education/GL Account Number : XXXX Date AV XXXX XXXX Opened XXXX Balanced Owed : {$31000.00} Hig Balance {$24000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : XXXX XXXX Account Number : XXXX Place in collection XXXX XXXX Last Verified XXXX XXXX {$1200.00} Placed in collection XXXX Last Verified XXXX, XXXX {$880.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 i found out equifax had a alert on my report. Ive asked them to remove it numerous times with no action taken. Ive mailed and faxed all paper work needed to prove who i am about 15 times and to this day im still sending documents proving who i am. As of XX/XX/XXXX the alert is still in my consumer report. Ive tried applying for credit and i still cant get it due to equifax. I dont know what to do. Please help me!!! They keep asking me security questions that dont have nothen to do with me.
Product: Credit reporting or other personal consumer reports

I am writing to address specific issues related to the following open consumer credit accounts : XXXX. ) XXXX XXXX XXXX, account number : XXXX, reported as XXXX days late for XX/XX/XXXX. 
XXXX. ) XXXX XXXX XXXXXXXX XXXX account number : XXXX, reported as XXXX days late for XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. 

This letter serves as my second formal communication concerning these matters. I wish to outline my grievances and demands regarding the actions of Equifax and its affiliates in this regard. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., my rights to privacy and accurate credit reporting have been compromised. In particular, 15 U.S.C. 1681b ( Section 604 ) stipulates that a consumer reporting agency is prohibited from disclosing information about my account without my explicit, written consent. Moreover, 15 U.S.C. 1666b of the Fair Credit Billing Act mandates that a creditor can not classify a payment as late if it is made in accordance with the agreed-upon billing cycle and terms. Additionally, 15 U.S.C. 6802 of the XXXX XXXX requires that entities maintain rigorous privacy standards regarding the handling and disclosure of personal information. 

It is clear that these statutory protections have not been adhered to in my case. I request an immediate review and correction of the reported information to reflect accurate and compliant reporting. Please address these issues within the next 30 days to avoid further escalation.
Product: Debt collection

This a debt collection agency which I have never had communication with privately or publicly. I never supplied you with my information nor have gave you permission to access my private information by soft pulling my information from the XXXX credit bureaus. You violated FCRA regulations. I was never notified in writing about said debt. This cause harm to credit report when such debt was not verified XXXX before placing on the XXXX, XXXX, and XXXX. This had prevent me from other opportunities in getting credit extended to me because of this situation. 
Access to an individual 's credit report is restricted to authorized entities, such as creditors, lenders, and employers with the consumer 's consent. Unauthorized access to credit reports is a violation of the FCRA. This inquiry to get information on my has caused damages beyond my control and is asking it be removed asap. Again I never gave this company my information or permission to gather information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with XXXX  statues. Please remove the following accounts completely from my credit reports.Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 accounts 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. I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}. 

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

These XXXX inquiries reporting on my EQUIFAX credit report are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Debt collection

Portfolio Recovery Associates has defamed my character, reported incorrect information on my credit reports without validating the debt. They have violated quite a few of my rights pursuant of the 15 USC 1692. 
I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure in which they have not responded.
Product: Student loan

I 've been attempting to work with Fed Loan since XXXX XXXX to have my payment plan recalculated. I called them in early XXXX and informed the rep that I was having a hard time paying my loan. Additionally, I told the rep I was recently married and needed to update my family size. The rep stated that the change in my status would help decrease my monthly payment. He asked that I submit documentation including my taxes as well as pay stubs. I was informed that I could also qualify for an administrative forbearance. I call each month until early XXXX and am always given conflicting answers. I got so frustrated that I decided to contact the XXXX XXXX XXXX XXXX Ombudsman group for assistance. With their help I was able to have my application expedited. Unfortunately, once my loan was recalculated my monthly payment increased from {$430.00} to close to {$630.00}. I surely could not pay this amount while at the same time affording rent, car insurance, and other essential living in the XXXX XXXX area. The Ombudsman group was able to provide me information on another payment plan that would decrease my payment plan. I applied in early XXXX XXXX for the Repaye/Paye program. I called twice to check on the status of my application and was informed that I would receive notification " In a week ''. I informed the reps that my loan was past due and near delinquency and this was very urgent. I was informed that I did not need to worry as I would receive notification. Almost XXXX weeks later, I have not received anything. I do not qualify for a deferment or additional forbearances. I contacted the escalation line for Fed Loan 3 times to request an administrative forbearance but have never received a call back. I used the chat feature on Student.gov today for assistance. The representative told me to go back to school so that I could qualify for an in school deferment. Really? Go back to school? My husband and I combined owe over {$200000.00} in student loans. I would like to pay my loans but need a reasonable payment. I am not asking for a handout. Why are n't there options out there for people in my situation. I feel as though Fed Loan rather see me default then to provide assistance. My experience with this company has been BEYOND FRUSTRATING. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

After properly, lawfully disputing and deleting four credit items/accounts within my Experian credit file/report, Experian illegally, discretely and systematically re-inserted the same four credit items/accounts despite the guidelines established within section 611 of 15 U.S.C. 1681i, the Fair Credit Reporting Act ( FCRA ). Below are the accounts re-inserted by Experian in addition to a quick rundown of key dates and actions taken by such XXXX XXXX XXXX ( CRA ) : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 
On XX/XX/2019, Experian deleted the five accounts referenced above from my credit report. However, the issues started on XX/XX/2019 when Experian began re-inserting the same accounts into my credit report. Pursuant and dictated under the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), each consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Experian miserably failed to perform this action in violation. On XX/XX/2019, although not being disputed, the accounts identified as XXXX XXXX   and XXXX were re-inserted into my Experians credit report. Systematically, on XX/XX/2019, although not being disputed, the accounts identified as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were re-inserted into my Experians credit report. Finally, on XX/XX/2019, Experian deletes the account identified as XXXX XXXX XXXX XXXX from my credit report for a second time in less than a six-month period.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX I recently reviewed my credit report and noticed this account was not reporting accurately. This account is showing charged off when i was never late on payments in fact i aways paid on time.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late nor should have a status CO ( CHARGED OFF ) i '' ve attached a copy of my report to this report to this complaint on the following dates for XXXX XXXX and XXXX shows data unavailable XXXX also show data unavailable. I'm now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verified i demand these be updated to paid on time immediately. Thank you for your understanding
Product: Student loan

When I initially took out the loan it was with a different lender. Since the new lender has taken over the account the bill has increased by 40 % + there is no explanation of these fees and I have asked for many times for payment plans and deferments. I was in the US military and was still harassed constantly by the lender while XXXX. They have violated many laws and the patriot act like which I reported to the big XXXX credit agencies at the time and nothing has happened and I continue to get swamped with interest. I have had this debt for more than XXXX  years and have tried many times to work with the different lenders, I would like a fresh start so I can get my life together.
Product: Debt collection

My complaint IC system collection XXXX -- -- Sent a collection amount of {$340.00} for equipment owing. to XXXX XXXX XXXX. The collection agency thru XXXX placed it in collection. After contacting XXXX XXXX with XXXX  receipt attach to dispute the claim. XXXX XXXX kept the collection on my credit report. Unfortunately they didn't contact XXXX XXXX XXXX and verify the XXXX receipt. EQuipment was return and my XXXX receipt is there to proof it, so I am requesting XXXX XXXX to remove the collection from my credit report. IC system Collection phone number XXXX
Product: Credit reporting

I am a victim of Identity theft and have been attempting to reason with Experian for years for XXXX accounts in particular. They simply refuse to even re-review them and its ruining my otherwise perfect credit. I 've requested on XXXX occasions in the last year for a review, they just refuse and say they have already looked into it. XXXX account is a public records account that was paid in full before it should have ever been reported, they still wont remove it. It wasnt even mine and i paid almost {$7000.00} because it was the least worst option at the time. The second XXXX is for a utility company claiming i had services, i wasnt even living in this state when they claim i had services. The folks that stole my identity opened credit cards, bought a car, rented an apartment, and i would imagine utilities too. They simply wont remove itI do n't know what to do and they refuse to help
Product: Credit reporting or other personal consumer reports

Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


Fraudulent Student loan - Account Name : DEPT OF ED/AIDVANTAGE - Account Date : XX/XX/XXXX -Account type : Student loan -Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX  - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter
Product: Credit card or prepaid card

This is for Bank of America, aka BoA. I am a new customer for BoA credit card. 

I set up auto pay for my credit card before the XXXX due date but still got charged for {$33.00} interest fee and {$29.00} late fee for not making full payment on the due date in the XX/XX/XXXX statement. 

I paid in full on XX/XX/XXXX when I realized that BoA auto pay did not take effect on the XX/XX/XXXX due date. 

I called BoA on XXXX and XX/XX/XXXX and they agreed to revert the late payment fee and interest fee because the autopay pay did not work in XXXX. However, only the {$29.00} late payment fee was reverted. Then I called BoA again on XX/XX/XXXX. They refused to revert the interest fee because that was a valid charge.
Product: Credit reporting or other personal consumer reports

I have my personal statements on my XXXX such as experian, XXXX and XXXX that are reflecting that affects any newly applied credits of mine to any Financial Institutions and also, my old phone number is the XXXX listed for fraud alerts indicated on the personal statements or consumer statements on each Federal credit monitoring Bureau 's which precisely incorrect and I am requesting for a removal of all the personal statements on every Credit Bureaus its all made available and reflecting. And also, update my phone number from XXXX to XXXX as it is my updated, new contact cell phone number i basically have and using now already from XXXX. XXXX
Product: Credit card

I called back in XXXX during military basic training to apply my scra rights and proceeded to submit a payment and they decided to close my account without my knowledge and I was not provided a notice of my account closing. I was not made aware of it. I called multiple times, each time I would be transfer or put on hold and sometimes never been able to reach anyone. 
Few months later, my account was sent to collection. I do not have any written proof since it was over the phone
Product: Credit card or prepaid card

On XX/XX/2022, I have received an email from XXXX stating that my Apple Card payment was due that day. I visited my XXXX app and clicked on the Apple Card. There I saw I have credits on my Card Balance showing exactly + {$120.00} on the left side of the screen, and on the right side for payment, it said precisely " Nothing to Pay '' and " You have nothing to pay right now. '' with a large checkmark on the bottom-right corner. On XX/XX/2022, I got another email from the same email address saying, " As of XX/XX/2022, your account is 2 day ( s ) past due. Your past due balance of {$34.00} is due immediately. ". Hence, I started a live chat via Messages app connected with an Apple Card specialist ; I explained I had credit in my Card Balance and got the emails, so I sent the screenshots and asked why my account was past due anyway? The first agent said it was late ; they were closing the chat and chat back by the next day, so until the next day on XX/XX/2022, I started chatting again and again with many agents, one of them said to pay {$34.00}, so I paid {$34.00} via chat, and I asked why that amount and I shouldn't be paying? The agent couldn't answer my question but instead said, " Have a great rest of your day. We're here if you need help with anything else in the future. '' chat disconnected. The following agent again disconnected, then the next one transferred me to the manager and finally recognized my issue. Hence, they " escalated '' the problem, and it takes 5-10 days for someone from the " Customer Advocacy team . '' to contact me, which I strongly doubt will happen. I've had this issue before ; they didn't do anything about it. The issue was I got credits in XXXX XXXX, then Apple Card still punishes me for past due on my account with possible late fees and interest charges if I did not pay. When a live agent doesn't know an answer, they don't treat me as a customer and easily disconnect the chat as a click without any help to transfer me to someone else who might know the answer. In general, Apple chat agents have been rude, and most of the time, they did not treat me as a customer while I spent thousands of dollars for their products and services. I do not know why I paid {$34.00} and what the {$34.00} is for even all Apple Card specialists and supervisors don't know.
Product: Debt collection

I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.