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

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB that Credit Bureau closed my complaint to protect my PRIVACY. I called the 3 bureau after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit XXXX XXXX XXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit card or prepaid card

AMEX XXXX card promises 20,000 bonus points for referring someone. after a successful referral the bonus points never was sent to my XXXX account. AMEX said they will fix it but more than 2 months later still no resolution.
Product: Debt collection

XXXX XXXX has repeatedly called relatives about my credit cards. When calling, they discuss the card account and the reason for calling which is ILLEGAL. XXXX XXXX has my current address and phone number and has no reason to contact third parties regarding my card accounts. All phone numbers beside my own personal cell phone number should be placed on a do not contact list. XXXX XXXX is using illegal tactics and information sharing.
Product: Credit card

Customer Service XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear sir, I have received a letter by mail prepared on XX/XX/24 regarding CFPB case XXXX. Since the content was almost same with the review posted on CFPB portal regarding this report, I just need to say same thing. Since I have seven or eight reward certificates at hand, which were unusable at all, I have asked to close this card ; that means to terminate the service from your company for my financial matters. My friends agreed with this idea why we need to use a credit card, which we expect the reward, but the reward is not usable with some reason. These certificates ending numbers are XXXX, XXXX, XXXX, XXXX, and XXXX which was issued for the replacement of XXXX and XXXX. Since the letter from your company stated that having these reward certificates do not mean I have not used them, even if I state publicly, I have not been able to use them at all. Since there are no means to prove my position that I have not been able to use the reward certificates, that means the reward certificates which were sent with the bills are useless, I want your company to close my credit card officially. I have checked the online account site, and I realized there was the page which showed the freeze card and replace card. Since I have not done any illegal purchases and can not recognize any one at this moment after checking the transactions, freezing card does not make sense. Also, replacing card does not make sure that the reward certificates can be usable in future, since it is the problem of data on your company side. Even though I believe it is the issue of your company to have the reliable data management system, I do not know how to proceed the closing ; therefore, your side should clarify how to close by letter. I am not a native XXXX speaker, and I had many suspicious calls in the past, I do not want to manage these matters on phone. I prefer to have the legal, clear, and official documents as record. Even though your company have stated my reward certificates with me are not usable as if I am doing something illegal, if you can make my {$70.00} reward certificates, please try, and let me use them. 
Sincerely,
Product: Debt collection

They claimed I borrowed money from them but I have no knowledge of it. I will not pay for a debt I do not owe. Its going on years now and I will not pay for a debt I do not owe therefore they need to take it off my credit report
Product: Credit reporting or other personal consumer reports

I am disputing 8 late payments displaying 90+ days at the end of the auto loan on my XXXX XXXX XXXX XXXX XXXX account, reported on my credit reports. I have attempted to contact XXXX multiple times by phone, but their automated system states they have no record of my account and does not allow me to speak with a representative. 

Experian : XXXX - XX/XX/year> XXXX : XXXX - XX/XX/year> *Please see 3-bureau credit report attached. 

I disputed these inaccurate late payments with Experian, but they simply added a dispute notation and claimed XXXX confirmed them. This is unverifiable data. XXXX can not confirm an account they have no record of, and the Fair Credit Reporting Act ( FCRA ) requires that all reported data be accurate and verifiable ( 15 USC 1681 ). 

Since XXXX is failing to verify or even acknowledge my account exists, these late payments must be removed immediately as they are blocking my access to credit. I am unable to secure an auto lease because of these inaccurate late payments. Please investigate and force XXXX to either properly verify the data or delete it. ''
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 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 any item 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 Balance : {$2300.00} ; USDOE/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit card

We are going through a financial due to medical reasons. On XX/XX/24 I called Capital one to see about a balance liquidation program or to get our interest rate lowered. Talked to XXXX XXXX, they only offer interest rate reduction when an offer is available. We have never received such an offer in all the years we have been with Capital One. The only offer he had was to waive any late fees for 3 months which is no benefit to us. We still remain with the same monthly payment as well as the 30 % interest. They are not out to help the customer at all. We have never asked for help in the past, have always made payments on time. Yet we get hit with higher interest rate.
Product: Credit reporting or other personal consumer reports

My bankruptcy has been XXXX but Ecperian will not remove the old accounts from my report preventing me from moving forward. They keep telling me that the bankruptcy stays on my report for 7 years but I'm telling them that the accounts are XXXX and I'm no longer responsible for them.
Product: Debt collection

I am being billed and called and harassed by titan receivables. They have sent me these bogus collection letters in the mail. They are claiming that I owe XXXX $ For an account that is not mine. They have even reported this false information to XXXX  credit bureau. This account was sold to them by XXXXXXXX XXXX XXXX. They are claiming that I borrowed bond money for a person I do not know. I spoke to XXXX from titan receivables who claims to be an attorney. He advised me to file a police report and I did. I had an argument with him where he stated to me do you know how many people borrow the money and later claim it is not them. I then asked him to send me a copy of the original documents showing my signature for bonding and bailing out this person. He still has never sent me this information because he cant. Its a fraudulent account and claim. He also called me and told me he would personally remove it from my report. When he failed to do so I filed a dispute with XXXX to investigate and attached was my police report. It was not removed and since has remained on my report. If there is anything we can do please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
Product: Debt collection

My name is  XXXX   XXXX  .I l ive at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  in the  XXXX . My zipcode is  XXXX . A company called  Navient  keeps calling my home phone number. I have already told them to contact me by my cellphone. They call late at night and before  XXXX  constantly. I am currently unemployed and I have no way of paying off my debt. At this point, I do n't even remember what I have to pay them back for or the amount of money I owe. I have applied for unemployment benefits, but I do n't know how much money I will get. I need the unemployment money to pay for public transportation and other bills.     I want them to stop calling my home number. This is bordering on harassment.     Thank you.
Product: Checking or savings account

On XXXX XXXX, I opened a Checking Account with Citi Bank to avail of their promo that would earn me XXXX miles as long as I fulfill all the required activites and maintain my minimum balance in 90 days. I had a list and made sure to fulfill all the requirements. When I made a follow up on the miles I earned, I was told that there was a mistake on how I used my account to make the bill payments that was part of the required activities. They said it was not how I was supposed to do it. I feel like these promos are put in place to lure consumers into opening an account with them only to be disqualifies later on based on these technicalities. I did my homework and made sure I did every single thing on the list. Now I need them to hold their end pf the bargain and award me the miles I was promised. I work hard for the money I entrusted them and I deserve those miles that I earned.
Product: Checking or savings account

On XX/XX/2020 I attempted to open a new CD at Marcus by Goldman Sachs. They took all my personal data including my SS # then after putting me on hold a couple times they came back and informed me they could not verify my identity and refused to let me open the CD end of discussion. I can't believe that they could not verify my identity. When I asked questions and offered to help fix the problem they weren't interested. I became very suspicious and worried that they were only fishing for personal information. I am retired and it could be very devastating if my info got into the wrong hands. 

After worrying a few days I called them back and asked them to delete my info from their data base. They said they couldn't do it. I asked WHY but they had no answer. I tried to explain that there was no possible legitimate reason why they needed to keep my info. Data bases are being hacked every day. 

I then did some research on the internet and found that this bank had been the target of ethics complaints involving data gathering by some of the high executive officers. 

I need you to convince this bank to delete my data completely and if possible reassure me that I have nothing to worry about concerning this incident. 

Very worried XXXX XXXX
Product: Credit reporting or other personal consumer reports

Late Payment Reporting : XXXX has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates 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 Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that XXXX  disclosed my personal loan information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment. 
FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's education records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When a student turns XXXX or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation.

Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's grades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries on my report. I called in to the bureau asking them to remove them and they informed me that they needed me to complete an FTC report in order for them to do so. I have went ahead and did that. Please remove these Inquiries from my report as they are not mine. The Inquiries that need to be removed include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've filed the FTC report already TWICE like they asked me to. XXXX will NOT remove this or close this account on my credit report. It's hindering my growth. It's been too long, I have been reaching out via phone and mail since XX/XX/XXXX. They're trading my securities monthly, not giving me my interest. Committing securities fraud. Filed a civl case even though XXXX has already stolen my securities? Cmon. I'm tired of constantly seeing this, I'm trying to get loans, I can't. Getting a car loan, I can't will go to XXXX, SEC, and OCC. If you don't solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX CO XXXX {$1400.00} XXXX XXXX  XXXX {$1300.00}
Product: Credit card or prepaid card

Contacted Discover when I noticed a card had been obtained by my ex husband using my SSN. They would not investigate as I didnt have the security details hed set up. I havent lived in the US since 2015 so no cards or addresses exist in the USA for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly lates in XX/XX/XXXX and XX/XX/XXXX on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) I spoke to a representative in XX/XX/XXXX from XXXX and I was told that if I made ( 10 ) consecutive payments without ever being late that they would remove the lates from being reported on my credit report. I honored this agreement ; I was never late, however they are still reporting the lates on my report from XX/XX/XXXX. This incorrect reporting is harming my credit score.  Please delete these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received an alert from XXXX, XXXX  and Transunion about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX by XXXX. I have received a response that clearly violates my rights according to XXXX. XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX  rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Debt collection

Company called XXXX XXXX pretending to be a rental property on my credit report. Breaking the law by falsely reporting. 

false representation or deceptive means to collect or attempt to collect a debt or to obtain information about a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit report.
Product: Debt collection

I have recieved numerous calls that were XXXX  as well as the intent to sue me with Portfolio Recovery.
Product: Credit reporting or other personal consumer reports

I have filed several complaints with the CFPB against Experian concerning them improperly reinserting inaccurate information on my credit report and the failure of properly conducting or addressing my consumer dispute. XXXX XXXX  and XXXX XXXX are the items that I have been direct affected by. These items were reinserted back on my consumer report in XX/XX/year> without any notice via mail or email. I have submitted several disputes directly with Experian to receive an email response stating that " Experian will not reinvestigate my dispute '' even when I provided them with new information for the dispute. This issue has been going on with Experian for almost 5 years. Experian is in direct violation of FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), ( C ), 1681e ( b ) and CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564 and 5565. Please see attached previous CFPB complaint # XXXX, Experian dispute letter, Police Report, and proof of items were received by Experian.