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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax, and Experian block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from Equifax which also caused my information to be exposed. And identity theft. 

The following are accounts that are fraudulent XX/XX/XXXX account number XXXX opened on XX/XX/XXXX XX/XX/XXXX opened on XX/XX/XXXX under the account number XXXX. 

XX/XX/XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XX/XX/XXXXXXXX account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXaccount # XXXX opened on XX/XX/XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to apply for XXXX XXXX XXXX XXXX XXXX bank, Navy Federal credit union for a credit and auto loan which I didnt authorized it and its sent to collection thats hurting my credit every now and then and needs it to be removed XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX  {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$320.00} XX/XX/XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX Someone uses my information to apply for all these and wants it to be removed thank you
Product: Money transfer, virtual currency, or money service

I attempted to accept the available funds in my PayPal account, and the website page involving entering personal information verification would not function ( I keep getting an error message saying " something went wrong '' ) during multiple attempts. The utilization of the available funds was not possible, so PayPal ended up processing the transaction I was attempting to use available funds for using the XXXX XXXX card linked to the account. If I had wanted to use XXXX, I would have done so directly using the credit card. 

In addition, multiple attempts to transfer the funds shown as " available '' to receive a paper check did not function. Clicking the selection " receive a paper check '' resulted in restating the same webpage ; no result. 

Several telephone calls to PayPal 's customer service number have gone unanswered, with a message stating that " due to COVID 19 concerns, the service center is closed. The website does not appear to work and PayPal customer service is unreachable, so I can not retrieve the funds in the PayPal account.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

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 XXXX and It was never provided. 


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


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

Ally Financial is reporting an account as a DEROGATORY, I contacted Ally Financial on XX/XX/2020, as well as all credit companies to request information regarding this DEROGATORY account. To date, I have not received any information regarding this account and the DEROGATORY status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$83000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the financial effects of the COVID-19 pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX at the XXXX XXXX where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle. 
XXXX XXXX XXXX obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
XXXX XXXX XXXX has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped XXXX points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago. 
My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain XXXX points lower than they were on XX/XX/XXXX.
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the creditbureaus feel there is a possibility these items belong to me I will require all documentation that bearsmy signature ( another research item I found that requires you to verify with 100 % accuracy that eachitem is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nordoes my attorney. SO please comply with the law so this matter can be handled swiftly..
Product: Credit card or prepaid card

XXXX XXXX is my favorite credit card. I worked hard to pay down my balance. Even during the government shutdown I managed to maintain payments. 

I noticed when I submitted a dispute regarding an delinquency. My account was closed. Ive worked hard to keep this account opened for an opportunity to increase my credit limit. Im very disappointed. As Ive been a great patronage and what like a reason for this action and an opportunity to redeem myself.
Product: Debt collection

I received a call from The financial meditation services spoke to XXXXwo people on XX/XX/XXXX. The call came in from a private number, but left a voicemail stating if I didnt contact the number and reference the case number that I would be taken court and have my wages garnished for a loan thats over 7 years old. First it was stated I owed {$300.00}, then I was transfers to some guy XXXX XXXX who said I owe {$1000.00}. XXXX XXXX then turned around saying I owed {$3300.00} for a payday loan. First they said I owed one company than turned around stating I owed 3 companies. I asked for a letter in the mail with this information and I was told they already sent a letter in XXXX. They stated they will not be sending any letter. XXXX XXXX got very irate with me, because I didnt understand what he was saying. He yelled at me etc. They stated they were in Arizona but the number was in VA. I was told if I didnt pay XXXX by XX/XX/XXXX that I would be getting a letter for court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account on my credit with Equifax 3 times and the are still reporting this account inaccurately XXXXXXXX XXXXr has violated consumer protection laws they have delete this account from my credit report in then reported again 15 U.S.C. 1681g - U.S. Code - Unannotated Title 15. Commerce and Trade 1681g. Disclosures to consumers Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that--
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX, Dept Of EducationXXXX - XXXX, Dept Of Education/XXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX has violated my rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given
Product: Credit card or prepaid card

A virus popped on the computer on XX/XX/XXXX, we called the number and gave permission to the people to access the computer to fix it. We then realized that we might have been scammed and the following day called the bank and the credit card companies to let them know not to accept any charges. 100 {$400.00} charges to XXXX XXXX were placed on this credit card on XX/XX/XXXX. The other credit card companies and bank were very helpful but this Barcley 's Visa card didn't do anything. We sent a letter to the company on XX/XX/XXXX to explain in writing that the charges were not authorized by us. They have denied our fraud claims.
Product: Checking or savings account

Pnc bank account my account number checking XXXX they took my checks I deposit in the atm I deposit three checks with my account number on the back of the check and my routing number on the back of the check and sign it to I receive the receipt then to for them my social security checks I deposit the account is close now
Product: Debt collection

I sent them a validation letter for an answer, I was summon for court and midland was a no show
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

In 2006, I obtained two ARM loans for investment condos, which I thought were " Interest Only. '' However, my XX/XX/XXXX mortgage bill included a {$620.00} principal payment, which raises my total monthly payment 78 %. Between the two loans, my monthly payment has increased {$1200.00}. The loan Servicer says there was an Addendum to my note at closing that included a provision for adding a principal payment after 10 years. Reviewing the note, I saw that in an Addendum titled " Interest Only Addendum '' there were XXXX sentences that refer to a principal payment after 10 years. The actual Promissory Note and this Addendum both have paragraph after paragraph referring to interest rates ; the starting rate, the amount it can increase, the index, how it 's calculated, maximums, etc. But in the " Interest Only Addendum, '' there were only XXXX sentences that mention principal payments. Further, when the Servicer sent me a letter a month prior to the Principal payment inclusion, there was only one reference to a principal payment, in a table calculating all monthly costs ; escrow, taxes, insurance, interest, etc. Otherwise, the entire two page letter refers only to an interest rate calculation that will change my monthly payment. No mention of a principal payment at all. If the Lender or the Servicer is going to require such a significant amount be added to a monthly payment that results in an increase of 78 %, they should make that fact much clearer and provide information about how such increases are calculated and if there are any limits on such increases, just as they do with great detail regarding interest rates. Also, this Servicer had the audacity to charge me a {$55.00} late fee when I called to find out why they had not deducted the entire monthly payment from my checking account. I found out the day I called was less than 24 hours after the " grace period '' so a payment over the phone would cost {$10.00} and there was a late fee of {$55.00}. All this after I had contacted them numerous times checking on the correct amount of the payment and had a stellar 10-year record of making my payments on time. A very unfair situation due to misleading and deceptive documentation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, specifically about two 30-day late payments from XXXX. I am reaching out to request assistance in rectifying this matter. On XX/XX/2024, at XXXX XXXX I received communication from a supervisor at XXXX, XXXX, confirming that Case ID Number : XXXX regarding a credit reporting dispute was being forwarded to the relevant team to be removed. It has come to my attention that these late payments were inaccurately reported and were, in fact, errors on XXXX 's end. Despite my request to have my card added to automatic payments, this was not processed as per the recorded conversations available. I have communicated with XXXX 's customer care team, including the supervisor mentioned above, who assured me that they would address this issue promptly. However, I am still seeing these erroneous late payments reflected on my credit report, which adversely impacts my credit score. 

I request your assistance in utilizing the provisions outlined in the Fair Credit Reporting Act ( FCRA ) to rectify this situation promptly. The inaccurate reporting of these late payments is detrimental to my creditworthiness and financial standing. I firmly believe that the evidence available, including recorded conversations with XXXX representatives, will substantiate my claim and warrant the immediate removal of these inaccuracies from my credit report. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure the accurate reporting of my credit history. I am prepared to provide any additional information or documentation required to support my case. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the accuracy and integrity of my credit report. Thank you for your assistance in this regard.
Product: Credit card

I called in to dispute a late payment and received no help. I have been a customer for over XXXX  years and have never missed a payment. 
the company repeatedly hangs up on me, and offers no help at all whatsoever. 
I asked to speak to a supervisor and the supervisor was no help, and closed my account without my confirmed consent and charged off my account as bad debt after I had just made a XXXX payment a week prior. this has destroyed my Credit report, and when I call in to ask for an explination I'm hung up on and offered no help! the people that I talk to refuse to re open my account or correct any wrong doing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of debt on credit bureu but I didnt spell it
Product: Credit reporting or other personal consumer reports

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX and DEPT OF EDUCATION/NELN XXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.
Product: Debt collection

To whom it may concern on XX/XX/year> I wrote to you requesting validation in an investigation into items that I believe were inaccurate. To date, I have not received my such validation. The only reply from you was a letter from a statement, from XXXX in my previous request directly to you I listed the reasons for disputing the information and requested validation. yet again you have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately.be advise that the description of the procedures used to determine the accuracy and completeness of the information is here by requested. Additionally, please provide the name and address and telephone number of each person who personally verified this alleged account so that I can inquiry about how they verify without providing any proof bearing my signature.As per FTC opinion letter from XXXX XXXX  XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification I am again formally, requesting a copy of any documents, burying my signature, showing that I have a legal binding contractual obligation to pay you the alleged amount. be aware that I am making a final goodwill attempt to have you clean up this matter the listed items is inaccurate and incomplete, and represents a very serious error in your reporting I am maintaining a careful record of any communications with you for the purpose of filing a complaint with the Consumer Financial protection, XXXX and the Attorney General office should you continue in your non compliance of federal law under the fair debt collection practices act, the fair credit reporting act corresponding local state laws I further remind you that you may be liable for your willful non compliance. failure on your behalf to provide a copy of any legal contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of XXXX  in damages per violation. defamation, negligent enablement Of identity fraud. violation of the fair debt Collection practices act ( including, but not limited to section XXXX078 ). Violation of the fair credit reporting act. ( including, but not limited to section 623 B ) you will be required to appear in a court venue local to me, In order to formally defend myself
Product: Credit reporting or other personal consumer reports

I paid my balance off with XXXX and it took my credit scores with XXXX, XXXX and TransUnion down. I need it off my report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX XXXXXXXX