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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX VA XXXX Balance XXXX : {$0.00} XXXX XXXX  Balance Owed : {$1200.00} XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX  XXXX Balance XXXX : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX
Product: Debt collection

I am submitting this request due to SPRING OAK CAPITAL erroneous reporting onto my credit report NOT ONCE BUT TWO TIMES!!!!! 

I have NEVER EVER IN MY LIFE conducted business with this company by the name of SPRING OAK CAPITAL and from my understanding on the research I've completed they're a debt collector whose falsely attempting to collect a debt that isn't theirs. I've requested that XXXX provide proof of this alleged debt. By Proof I am requesting the ORIGINAL APPLICATION/ CONTRACT and NOT some copies that they've received and purchased for little pennies and trying to get substation-ally amount of hundreds of dollars BUT A INSTRUMENT BEARING MY SIGNATURE WITH SPRING OAK CAPITAL Reference Number : XXXX. In addition please provide the contract signed between SPRING OAK CAPITAL AND WHOMEVER THEY PURCHASED THIS DEBT FROM ; a notarized and sworn under penalty and perjury for SPRING OAK CAPITAL to have the ability to collect this alleged debt. Debt collectors/ BUYERS are not CREDITORS, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are ABLE to collect debt that ARE NOT theirs. They are being WILLING-FULLY non compliant. This is inaccurate reporting! AND PER MY RESEARCH According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAX POSSIBLE accuracy of the information concerning the individual about whom the report relates! I BEG OF YOU TO INVESTIGATE THIS CONCERN BECAUSE THIS IS REFLECTING MY LIVELIHOOD. THANK YOU IN ADVANCED
Product: Money transfer, virtual currency, or money service

This is about XXXX claim I understand that the payments look authorized on PayPal, but I was still scammed I did not receive what I paid him for the transactions look authorized because he keep telling me to send him more money to reactivate my account every following week till the end of the month when he said my account would be reactived, please he scammed me I provided information of him of his profiles he still is scamming more people I really need my XXXX $ from him I need it for rent please reopen my case, I dont understand the companys response they are just explaining me how the transactions were made like every other place I called the bank, PayPal I just want to know if I can get my money back this person scanned me XXXX XXXX my music account was my only source of income I gave him all I had left to reactivate it he told me it would take by the end of the month to send him money every following week or day to reactive it and told me he was even going to send my payments to my PayPal account bjt never did he got my hopes up at the end of the month when he said it would be reactivated he blocked me, the payments look authorized but I never got my account reactivated I had to quit music and get a real job this guy ruined my hopes and cost me almost 500 $ please atleast help me get my money back he scammed me and he is still scamming people
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately XXXX XXXX {$500.00} XXXX XX/XX/2018 XXXX {$2900.00} XX/XX/2018 -XXXX ( Any and all XXXX Accounts )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts below 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

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} Brigit XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXX XXXX XXXX XXXX  amount of {$1000.00XXXX XXXX XXXX XXXX XXXX  Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts.

As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary.

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind.

Thank you for your time and assistance in this matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.
Product: Vehicle loan or lease

On XX/XX/2018 my vehicle got into a total lost accident. At the time I had XXXX XXXX   and they took care the remaining balance with bmw financial. Prior to this issue, I had issues with bmw not reporting to the credit bureau my monthly payments and I contacted them numerous of times. I spoke to a guy by the name of XXXX XXXX numerous times and sent in an affidavit and he promise the issue will get resolved and they will report everything accurately. Yesterday I checked my credit report and it show voluntary lease terminated and balance owe. At this time Im trying to get a new vehicle and I cant because this is affecting my credit. I called bmw and spoke to 3 people this morning and they told me they will try to get this resolved but I dont feel confident they will because my prior experiences with them not resolving it. They account is paid off and I also paid my deductible of {$1000.00} there it should be update with the dull amount paid off of {$32000.00}. It should not report like that and show that it was paid and no balance is owe. I want this fix immediately. I have no vehicle to get back and forth to worth. I have a XXXX years old son that needs to go to school. This is a big inconvenience and my credit has dropped.
Product: Credit card

I called Chase to arrange a payment plan to pay off my balance. 

They told me late fees and interest fees will continue to be added each month making my payment over {$400.00} which I can not afford. 

They said There is nothing they can do about that I can afford to pay them {$150.00} / month but they were not interested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XXXX however the status has not been updated to 'permanent ' after XXXX years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Vehicle loan or lease

I have called half a dozen times dealing with this company that constantly reports payments late when they are not, they are purposely destroying my credit
Product: Credit reporting or other personal consumer reports

Experian is violating my rights by including inaccurate information on my credit report after I informed Experian on the inaccuracy. I have tried several times to remove inaccurate mailing addresses on my credit files & Experian refuses to remove this inaccurate information. Experian stated I would need to contact the furnisher of the information & I know this is not legal. Experian has a duty to provide accurate information & I have proof of my address. I will continue to document all of my efforts and take legal action if needed. I have worked in XXXX XXXX XXXX for over 15+ years and know the importance of accuracy. In a world where there are numerous data breaches & id theft the credit bureau has a duty just as the debt collector. Experian needs to do their part. Unless a furnisher can provide PROOF as I can that I do not live at the addresses disputed it needs to be DELETED immediately!!!!!!!!!!!!!! Please see attached identification which show my correct address. All other mailing address need to be removed. I think it is important to add that Experian is the only credit bureau reporting this inaccurate information as XXXX XXXX XXXX are not reporting these inaccurate addresses.
Product: Payday loan, title loan, or personal loan

I took out three payday loans one from Lendumo one from XXXX XXXXXXXX XXXX  XXXX XXXX.Im struggling to make my payments each month and also paying my other bills.These loans are putting me in debt I wouldnt have considered a payday but I was desperate.I was getting rejected everywhere else but the payday loans where very easy to get approved for.My pension is XXXX XXXX a month and my payday loans are over XXXX XXXX a month.I live in New York where I found out payday loans are illegal.l took out a payday loan from Lendumo in XXXX of this year for XXXX and I have to pay back XXXX XXXX  I borrowed XXXX dollars from XXXX XXXX and have to pay back XXXX and from XXXX XXXX I borrowed XXXX dollars and have to pay back XXXX dollars my payment is XXXX a month for 12 months. I borrowed in XX/XX/2022. Lendumo I pay XXXX a month and XXXX XXXX a month these loans will be paid off in XXXX.Be honest with you I did use my old XXXX XXXX address to get the loan but I read XXXX is illegal too.I do have a valid New York drivers license and Bank account Looking for relief thank you XXXX XXXX
Product: Debt collection

This was debt was paid by my insurance company which I have attached was paid to XXXX XXXX in the amount of {$680.00}, and I have filed numerous disputes with XXXX regarding this account from XXXX XXXX XXXX, however this has been paid and submitted to XXXX XXXX XXXX with a Certified Letter which I have verification they received. I would ask that you please ensure that this Collection Agency remove this erroneous item from my Credit Report? Thank you.
Product: Debt collection

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESSES. 
XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNTS- XXXX, XXXX XXXX {$1400.00}, Opened XX/XX/2020, MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** BECAUSE I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. 
PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

*** I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX  and an additional six years of one-bureau credit monitoring and identity protection services through Equifax . The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit card

i have notified XXXX XXXX, barclays, XXXXXXXX XXXX XXXXXXXX that i am a victim of identity theft and someone has been using my personal information to obtain goods and services using my personal information, please see attached supporting documents that support my claim on these fradulant accounts that have been opened in my name fraudulantly, please investage and remove these fraudulant account off my credit report!
Product: Credit card

I have a case open with the citi executive office team. The number of the case is : XXXX. 

I've also emailed their ceo with no response. 

I have a situation where I applied for the Citi XXXX XXXX, with the offer of spend {$4000.00} in the first 3 months and you receive a bonus of XXXX thank you points. 

When I applied I spoke to a representative over the phone, where I double checked with the representative I would quality for the offer. They checked and confirmed with me that I WOULD QUALIFY. I took them at their word and finished the application with them. 

I got the card eagerly, and put the spending on it quick and already spent over XXXX. I noticed I never got my reward for spending the XXXX. 

I called the executive response team, and they eventually opened a case and confirmed and pulled & listen to the call. The representative did say everything I mentioned. They apologized for it happening and told me, even tough I was right that the representative lied to me when I applied about me being qualified for the offer, they didnt have a way to put the thank you points in my account. 

I disagree with this. I feel taken advantage of and my credit has been impacted. I cant go back and not apply for this card and the only reason I applied for this for the bonus offer. 

I wouldn't of applied for this card without qualifying the bonus offer and even admitting there was a mistake from their representative with what they told me ( confirmed by pulling the phone call recording from their records ) they refuse to award me the points saying they have no way to do so. 

I would have never applied for this credit card if I didn't quality for the offer that the representatives confirmed I qualify for. It's impacted my credit, and I feel the only reason the representative told me I qualify for the card is to meet a sales goal. 

If this matter does not get resolved to what was promised by the representative I will have an attorney get involved.
Product: Debt collection

i'm sending them notice on XXXX, that i refused to pay the debt or any other debt that they say i owe account # : XXXX XXXX XXXX : {$3000.00} Account # : XXXX XXXX XXXX : {$1500.00}
Product: Credit reporting

My credit has been used after XX/XX/2012, and I have been out of the country and there has been OUSTANDING CREDIT CARDS WITH NO PAYMENTS. I WANT TO PRESS CHARGES
Product: Credit reporting or other personal consumer reports

Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher.
Product: Debt collection

I had a lease with a company that we were renting from. We had an agreement that we would break the lease early but get someone to sublease the property for us. We cleaned thoroughly and the other tenants moved in. They took over everything and even started their own lease. After a year i notice that there is an XXXX collection on my credit report from this company but yet they won't give me a breakdown of what its even for? I have tried to dispute the account with the credit bureaus but have not been successful. Please help
Product: Credit reporting or other personal consumer reports

XXXX transunion and XXXX have failed to remove fraudulent obtained account and is reporting inaccurate info incorrect addresses names and phone numbers see below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX And inquiry from XXXX XXXX on XXXX and 4 inquiry on other reporting agencies
Product: Consumer Loan

I never missed a payment ... never late on a payment ... constantly being charged XXXX fees ... numerous returned check fees and I 've never sent them a XXXX thing by mail ... I 've never written them a check that I can recall ... paid almost {$50.00} extra a month but it never reflected on my account balance ... the last payment I am gping to make was XXXX 's payment I believe, yet somehow, I owe them for more than just XXXX ... XXXX company with some illegal XXXX scamming going on ... if I ca n't get help from the government regarding Consumer Portfolio Services, LLC, I am hiring an attorney and taking all the federal agencies that have anything to do with business practices to XXXX XXXX!!!