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

On XX/XX/2023 I sent XXXX ( XXXX XXXX XXXX XXXX ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by XXXX XXXX XXXX XXXX that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!
Product: Credit reporting or other personal consumer reports

Durning the Global COVID-19 Pandemic took advantage of a global crisis and would help when I was laid off from the XXXX Pandemic. Instead of offering a relief on help of payment during that time they added late fees and interest to credit card making your balance higher than the credit card limit. XXXX called a harassed XXXX, weekly demanding payment. They ignored CARE ACT Congress passed for those seeking relief from the pandemic. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. Instead, they placed Charged off on your credit report and wrote off as LOSS Debit with the IRS. 

They reported Account XXXX with credit limit of {$700.00} and added fees adding up to a balance of {$1000.00} with Experian and XXXX. 

They reported Account XXXX with credit limit of {$500.00} and added fees adding up to a balance of {$900.00} with Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me XXXX XXXXXXXX XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesnt belong to me
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of fraudulent items on my credit report, despite many attempts to follow up and have them removed. This marks the eleventh time I am formally requesting the removal of these fraudulent items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud 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
Product: Credit card or prepaid card

I 've been a customer w ith Capital On  e since 2008. I have perfect credit and I 've always made my payments on time, and yet they closed my account with no notice. I was trying to get gas when my card was declined. I called to see what the problem was and they said that they closed my account due to my account not meeting their " expectations of personal, family, or household purposes ''. They said that they sent me a letter about it the day before, but that it would n't have made it to me yet, which they said was the only reason they were  willing to even tell me about it because I had n't actually been notified about it yet. I tried to find out what they meant that I was n't using my account for personal use, and they would n't tell me anything about it. I asked to  talk to a manager and they said it would be 24-48 hours before someone would contact me. This is poor customer service and I really feel like they have a complete disregard for their customer relationships. What if I did n't have any other way of paying for my gas? I would 've been stranded at the gas station. And why? Because Capital One decided that they did n't like the purchases I 've made?? I dont get it. At least let me know that you 're closing my account ahead of time so you do n't put me in a bad situation when I 'm counting on being able to use my credit card. It 's ridiculous. I think they just did n't feel that they were getting enough interest out of me, so they closed my account. I wo n't ever d o business with them ever again, for credit cards or otherwise.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

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

Subject : Method of Verification request- Request for Description of Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Experian, I am writing to formally request a description of the procedure used to determine the accuracy and completeness of the information I disputed, as per my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). 
I disputed the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian verified this account as accurate despite its inaccuracies. Ive listed below the report number, attachment of the account reflecting its inaccuracies as well as the notice received from Experian confirming verified. 

( Experian Report number ( s ) - XXXX - Date letter received from Experian ( XX/XX/year> ) for the following reason : Inaccurate reporting, incorrect payment history, balance history and inaccurate account details. - Your investigation of this dispute was marked as completed on XX/XX/year>. 

I am now requesting a detailed description of the reason ( s ) why, and the procedure that was used during your investigation. Specifically : Who did Experian contact or interview regarding this account? 
How did Experian verify the accuracy and completeness of the information provided? 
What documentation or evidence was reviewed to come to this determination?

As required by the FCRA, please provide this information within five days of receiving this letter. Failure to comply with this request may result in a formal complaint being filed with the This is my second time disputing this matter with Experian. I urge you to resolve this issue promptly, as continued failure to accurately report my account status is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including file an additional complaint with the CFPB and seek legal remedies. 
Thank you for your prompt attention to this matter. I look forward to receiving your detailed response.
Product: Credit reporting or other personal consumer reports

Disputed the items multiple times always came back k verified but never given proof from XXXX XXXXXXXX XXXX and expieren. Been notified of multiple data breches where my info was apart of stolen info.
Product: Credit card

I paid off my Discover card on XXXX XXXX, 2016 and called them shortly after and asked them to close the account. The balance was paid in full and they closed it on XXXX XXXX, 2016. Nobody told me I should check back to see if any new charges appeared. The account was closed and I forgot about it. To me closed means CLOSED! Apparently that was n't the case though. A new charge of {$28.00} appeared on the account for what they later told me were interest charges. Around the XX/XX/XXXX I got a letter in the mail saying I owed {$120.00} on the account. I called them about it and I was livid. They had tacked on late fees and reported me for 30 and 60 days late on the account. They took the fees off and I paid the {$28.00} which had somehow magically appeared on a CLOSED account. My credit report shows absolutely NO late payments on ANY of my accounts EVER, and because of the 30 and 60 days late reported on a lousy {$28.00} charge that I was n't even aware of, Discover dragged my credit score down from XXXX to XXXX. This is not right. I called them about it after I ran my credit score and found this out, but they said they would n't remove the 30 and 60 day late reports on my credit.
Product: Credit reporting or other personal consumer reports

I have been a vicitm of identity theft and I am still having problems. I have sent copies of all the identity theft paperwork to the credit agencies and nothing has been done. No FTC reports have been attached to my disputes. And per the FCRA I am supposed to get copies of the verification process and I am not getting any.
Product: Debt collection

GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. 
They are rude and upsetting to me because the lady keeps saying she does n't care my son died.
Product: Debt collection

This whole issue hinges on whether I signed an " Guarantor Addendum '' which would make me a Co-signor for an apartment my granddaughter and I applied for on XXXX XX/XX/XXXX, with XXXX XXXX XXXX. Simply put, after applying for the apartment, I never signed the lease or the XXXX XXXX. After the XXXX XXXX XXXX ended, my granddaughter was served with an eviction notice XXXX XX/XX/XXXX, which also requested back rent payment. After being made aware of the legal action, I tried to negotiate a settlement with XXXX. XXXX took action, without responding to my last proposal, and turned the account over to Grant & Weber for collection. In order to justify this, XXXX XXXX XXXX have generated a copy of a XXXX XXXX, in which a forged sample of my signature was entered. That is the basis, and facts surrounding my dispute. I have also communicated these facts to Grant & Weber, who then provided me with a copy of the forged Guarantor Addendum, and who subsequently submitted the account to the credit bureaus marking my accounts with a collection designation. I have retained a certified XXXX XXXX XXXX, who has concluded that the signature on the Guarantor Addendum provided by XXXX XXXX XXXX, is determined to be " Non Genuine '', confirmation I did not sign that document.
Product: Debt collection

I received a debt collection letter from LVNV Funding LLC on a XXXX XXXX Bank debt. I inquired about this debt, informing LVNV that it is not mine, I have never had a XXXX XXXX account and I received a letter in the mail saying the debt was bought out by Resurgent Capital Services. They claim the debt was opened in 2002 by myself with my current address, which tells me that they truly do not have a valid debt on me. When I called Resurgent to inform them that the debt was not mine and that it needs to be removed from my credit report, they said they 'd look into it and proceeded to send me another letter with the same information claiming I opened the account in 2002.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX : {$160.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times. and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately they informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX  subtracted 48 points from my credit score because of a remark that was added by XXXX XXXX. That remark was immediately removed from my XXXX  credit report the same day by XXXX XXXX but XXXX  failed to restore and add the 48 points back to my score. 
EquiFax did the very same thing on XX/XX/2020 for 24 points and failed to restore and add the 24 points back to my total score. I have submitted complaints to both credit reporting agencies in writing to no avail. It's hard enough making the effort to raise your score then to have the actual credit reporting agency remove points so that all the companies out there and the underhanded finance system can continue to exploit the majority of people with high interest car loans and little to no capital payoff amounts. And are they supposed to do any of this during Covid-19 pandemic. If I can I would like to sue them in a court of law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX  and this has impacted my health and I am starting to feel frustrated, pain and inflammation. 
Desired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. 

This was an unauthorized act from Navient - I never agreed to any income default or forbearance
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need these information removed because all these are wrong. Please remove them immediately! 
Incorrect Name - XXXX XXXX XXXX - I need these information removed because all these are wrong. Please remove them immediately! 
Incorrect DOB - XXXX - I need these information removed because all these are wrong. Please remove them immediately! 
Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX Incorrect Address - XXXX, XXXX, MA, XXXX - I need these information removed because all these are wrong. 
Please remove them immediately! 
Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - I need these information removed because all these are wrong. Please remove them immediately! 
EMPLOYER - XXXX XXXX I need these information removed because all these are wrong. Please remove them immediately! 
EMPLOYER - SELF - I need these information removed because all these are wrong. Please remove them immediately!