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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I recently reviewed my credit report and I have tried to reason with the company ( XXXX and Equifax ) about this FCRA error on my credit report. I received a copy of my credit report and noticed unauthorized inquiries. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account. I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter. I demand these UNAUTHORIZED INQUIRIES TO BE REMOVED ASAP! The inquiries are 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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MI, XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, IA, XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  - XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

Text number : XXXX ( XXXX ) XXXX Scott & Associates PC MSG : XXXX, your account with XXXX XXXX XXXX , XXXX. remains unresolved. To prevent further action, please review your options : XXXX File # XXXX. Scott & Associates is a debt collector. 
Reply STOP any time to unsubscribe. 


This is not me but I been getting calls and texts every month about this person. Nor have I ever consented to getting text messages. Do not text about debts unless permission is granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report.
Product: Credit card

statement on XX/XX/XXXX the total amount was of {$53.00}, original charge was of {$25.00} paid the XXXX on XX/XX/2023, I made another purchase of XXXX made a payment of XXXX toward that purchase, I started receiving phone call from Macys saying that my account a larger amount than to my knowledge was only XXXX I called macys credit department and once again my account was placed under investigation all the time fees had been added to my account. I have sent copies of the original stamens and payments showing that up to the point there was no balance at all. now I am being billed for {$180.00} I called talk to the associates but keep talking over my voice. Now they have reported my account to all credit bureaus '. I have no other way to defend myself for total disregard of my efforts to clear my account. 

Please help. 
Ps all payments done through store costumers services.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Customer ID Number : XXXX Loan Number : XXXX I would like the XXXX XXXX 60 day late payment on account XXXX ( Sallie Mae ) -- to be removed. This is a clear inaccuracy. Sallie Mae is reporting to the credit bureaus that i am on time and paid as agreed for XX/XX/2019 but 60 days late for XX/XX/2019. THERE ARE ONLY 30 DAYS IN A MONTH. HOW CAN I BE 60 DAYS LATE IN ONE MONTH. Please update it to the correct reporting or delete the CLEAR INACCURACY.

To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Sallie Mae for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, 3 years ago, I was in a financial dilemma due to my health issues and hospitalization. As a result, 1 of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid the 60 days late payment on one occasion over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your com
pany but now the 1 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work and lease a new apartment, but the negative remarks are hurting my efforts. The negative remarks stop all chances of me obtaining my goal. I have been constantly denied from any and all credit products such as loans, credit cards, and even apartment leases. 



This is where my Goodwill Request comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF- Universals Data Form and fax it to the credit bureaus to remove those entries. 



The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 



King Regards, XXXX XXXX
Product: Debt collection

This goes against the Consumer Protection Law states 15 U.S. Code 1692d - Harassment or abuse. It is XX/XX/2024 and this company is still emailing in regards to this debt. This debt has been charged off. 

This debt has been written off. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. An 1099-C has not been administered.
Product: Debt collection

I am filing this complaint regarding a collection account with XXXX XXXX XXXX that remains on my credit report despite an agreement for its removal upon payment. 

The account was originally opened in XX/XX/XXXX with a balance of {$1500.00}. During this time, I was unemployed due to the COVID-19 pandemic, which significantly impacted my financial situation. Despite these challenges, I worked to settle my outstanding debts and entered into an agreement with XXXX XXXX XXXX for a pay for delete arrangement. Under this agreement, upon full payment, they assured me that the collection account would be removed from my credit report. 

I fully paid the account in XX/XX/XXXX, yet the account still appears on my credit report, negatively affecting my credit score. I have made multiple attempts to contact XXXX XXXX XXXX to resolve this issue, but they have failed to uphold their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, Experian and XXXX, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I issued a transfer of XXXX ( XXXX ) from my blockchain.com account. 

XXXX transfer usually takes XXXX minutes but theyve held my funds in pending status since XX/XX/XXXX. 

Their support team has been unresponsive to the support ticket I filed & XXXX follow up emails. Its now been more than a month & I still dont have access to my funds.
Product: Student loan

I have a private student loan with Wells Fargo with a Guarantee Amount of {$14000.00}. This loan went into repayment status in XX/XX/XXXX. My current balance is {$15000.00}. I have continued to struggle to make my monthly payment for most of this period, which is currently {$190.00}. Wells Fargo will not offer any options to lower my monthly payment without refinancing. Due to credit issues, I do not qualify for refinancing without a co-signer. I currently do n't have anyone who is willing and/or able to do so. I ca n't afford to pay my monthly balance without the help of a parent. This parent helps as much as possible and typically contributes about $ XXXX {$150.00} of the balance. I am at the mercy of this contribution, which does not always get to me before my balance is due, which results in late payment fees of {$28.00}. I have incurred XXXX late fees since XXXX, which have only added to my balance and adds to interest paid. I am sending a letter to Wells Fargo along with a repayment request worksheet, which includes my current budget/expenses. I currently earn approximately {$450.00} a month. I work less than part-time due to XXXX issues that are preventing full-time work. Please let me know if you can do anything to help. I am endlessly crushed by this burden and feel horrible that I 'm adding that burden to my parent. I can barely make ends meet. I took out this loan to help pay for tuition at a private art school. I received XXXX for a XXXX. I have no complaint toward the college, they provided an excellent education, opportunities and excellent job placement. What I do regret is not knowing that teaching was not suited for me emotionally. I struggle with XXXX. However, the cumulative stress of XXXX contributed to an XXXX. This I could not foresee and I ca n't risk my health to work toward paying a student loan. 
Heartbroken, Just Another Suffering Student Loan Regretee ....
Product: Credit card or prepaid card

XX/XX/XXXX : {$1600.00} interest fee was added to my remaining balance. 
was told that i just needed to pay the suggested amount at minimum when i first applied for the card. i have continued to pay the interest and more every month, since getting the card. lately ive paid the minimum, but they sent me a notice lowing my credit limit on the card, then they added the interest bringing the card into the negatives. 

none of this was explained or detailed at the XXXX  store which is now out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent documents to all credit bureaus to remove unverifiable accounts from my credit report and still have yet to be remove please remove now
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the description of eXXXX ( your web based XXXX verification process ) YOUR EXACT XXXXR definition ( per XXXX XXXX XXXX XXXX is that " XXXX is a web-based, XXXX 2 compliant, automated system that enables XXXX XXXX XXXX XXXX XXXX and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness. There are two accounts reporting these : 1 XXXX XXXX XXXX  USA-2 late payments 2. XXXX XXXX acceptance - reporting 1 late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # 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 instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to address a continued inaccuracy on my credit report regarding the account XXXX ( Account # XXXX ). Despite previous disputes and Equifaxs investigations, the reported late payment in XXXX remains uncorrected. This unresolved error has negatively impacted my credit score and raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 
Summary of Dispute I respectfully dispute the following issue : Reported Issue : 30-day late payment reported in XXXX. 
Accurate Status : All payments on this account were made on time, as demonstrated by my attached payment records. 
Implication : This erroneous late payment misrepresents my creditworthiness and violates FCRA requirements for accurate reporting under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
Supporting Evidence Attached to this letter are : Copy of My Government-Issued ID and Social Security Card : To verify my identity. 
Highlighted Credit Report : Showing the inaccurate late payment in XXXX. 
Previous Dispute Letter ( Dated XX/XX/year> ) : Demonstrating that this issue was previously raised but not resolved. 
Request for Immediate Action I formally request that Equifax take the following actions : Correct the Inaccurate Late Payment : Update the payment history for the account to reflect an accurate status of " Paid As Agreed Never Late '' for all months, including August.

Provide Investigation Details : As required by 15 USC 1681i ( 7 ), provide a detailed description of the procedures used to investigate and verify the account information in response to my dispute. 
Provide Verifiable Evidence : If the late payment can not be corrected, furnish documented proof supporting the claim of a late payment, including dates, amounts, and communications from the data furnisher. 
If Equifax can not verify the accuracy of the reported late payment within the 30-day period mandated by the FCRA, I demand the removal of the inaccurate information from my credit report.

Legal References and Obligations Equifax is obligated to ensure that all reported information is accurate and up to date. According to 15 USC 1681i ( a ) ( 5 ), any unverifiable information must be promptly deleted. Furthermore, per 15 USC 1666 ( b ), you are required to maintain reasonable procedures to ensure that billing and reporting practices are accurate and fair.

Failure to resolve this matter within the legally established timeframe will be considered a violation of the FCRA, and I reserve the right to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Conclusion This matter requires immediate attention to uphold the integrity and accuracy of your credit reporting. I look forward to receiving a written response detailing the steps taken to resolve this issue. Please send any updated credit report reflecting the corrections to the address provided above.

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported in 60 days to be removed. 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. XXXX XXXX XXXX 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I submitted this complaint to REMOVE this suspicious account. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account DISCOVER FIN SVCS XXXX  with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to XXXX XXXX XXXX  but I did not receive what I asked and these violations persist on my credit report.
Product: Debt collection

Ad Astra collection services is reporting to the credit bureaus that I owe {$540.00} to a company that I have no affiliation with. I have disputed this collection with the credit bureaus and requested validation of the debt- which they have not provided. They have refused to remove the erroneous collection from my credit reports and it is causing damage to my credit scores and ability to qualify for an auto loan and mortgage in the near future. This is a scam company and they should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsure how and why XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX pulled a hard inquiry on my account. I did not give them written consent to review my credit reports
Product: Credit card or prepaid card

I was checking my XXXX credit report and noticed an inquiry from XXXX Victoria secret credit card XXXX I never applied for that credit card. Someone else tried by using my information they stole. I don't shop in Victoria secret I filed a fraudulent report with XXXX to remove it from my credit report.
Product: Checking or savings account

I placed an order with XXXX on XX/XX/XXXX using a ghost card with XXXX. I made 3 out of 4 of the payments for the order and hadnt received the product so XXXX paused my last order to give me time to figure out the situation with the company. I tried to call and email the company several times & was not able to leave a message due to the mailbox being full. XXXX advised me that they couldnt contact the merchant either so I would have to file a dispute with my bank. Attached is my affidavit I submitted to the bank as well as the order confirmation and the phone number for the company. I finally got in touch with the company in XXXX and was advised that the owner had passed away in XXXX and the family closed the company and can not fulfill or refund any orders. I have attached the order reference number from XXXX as well. Their phone number is XXXX. 

My bank has advised that they closed my dispute due to not receiving requested information however, the last communication received was on XX/XX/XXXX and I sent the requested information the same day which was verified as received. They advised me on XX/XX/XXXX that they can not reopen the dispute which left me no choice other than to report them here.