23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian and XXXX block XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 
The fraudulent information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Chapter XXXX Bankruptcy XXXX These fraudulent items have caused numerous hard inquiries and collections activity to appear on my consumer credit report, all of which I dispute. I have attached copies of the relevant documentation, including the FTC Identity Theft Criminal Complaint # ( private case number ), as proof that these items are fraudulent.
Product: Payday loan, title loan, or personal loan

I was a XXXX XXXX Customer. I received a title loan on my car and I paid that loan off since the interest rate is extremely high. Again I was contacted by loanmart to get another XXXX XXXX on my vehicle. They were charging me an entirely High rate for {$2500.00}. They have charged me over {$10000.00} in fees. XXXX Stole my car from my driveway and sold it and took all the money which was way above {$2500.00}. They should be on The Blacklist 4 charging customers High interest rates for title loans in selling their car without their knowledge. Now for the past three years they are damaging my credit report and I'm not able to buy a vehicle. Basically I have to take the bus because of XXXX. I am forwarding this complaint to the XXXX XXXX XXXX and XXXX XXXX XXXX so they do not Target any more customers like me and be the victim of their High interest rate and selling their car without their knowledge and also destroying their credit. find me XXXX year old XXXX woman, which XXXX is fully aware of and my husband passed away in 2018 from XXXX and at this moment I only have food stamps and I'm waiting for my XXXX approval and I can not get housing or apply for anything because of XXXX. They charged {$10000.00} for {$2500.00} plus sold my car
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and UNAUTHORIZED INQUIRIES : EQUIFAX : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  Date of XXXX : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX : 1. The inquiry was not authorized XXXX XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

on XX/XX/XXXX, I contacted " XXXX '' on XXXX ( sell/buy app ) to SECURELY purchase a {$390.00} XXXX XXXX XXXX XXXX from them. They told me the app wouldn't be able to confirm their banking info for a few days and that they were ready to ship it tonight. They then told me to cash app them the money so they could ship it and I receive my product as quickly as possible. I then sent the money through cashapp using my chase credit card and they sent me a tracking # via fedex. They told me I should receive the product no later than XX/XX/XXXX. I was later blocked by " younglo '' on XXXX and message so I have no way of contacting them. Cashapp would not start a dispute on behalf of it being scam, and same with my bank. So, I started 2 fraud disputes and they later came back denied due to me authorizing the purchase. However, I have mountains of proof that I will not receive the product in question and that this was a blatant scam -- which is still a fraud claim. My address and personal name have been compromised and I am extremely terrified this person may try to access more of my information -- and even scam others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Number XXXX. Chapter XXXX Bankruptcy Bankruptcy chapter XXXX XXXX ( successfully removed from XXXX and Equifax ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 to any 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$360.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a valid account for XXXX account number XXXX in the amount of XXXX It is fraudulent. They are saying i got and account and close it the same day how is that even possible with furniture? 
I told XXXX to come pick up there Furniture it took them 3 months. I was sick and couldnt pay and it was really expensive. When the picked up the furniture the next day the created new account in my name with out a signed contract from me and are charging me some fraudulent charges. The credit bureau did not obtain a signed contract for the account the XXXX fraudulent put in my name. The credit bureau is not protecting my credit report from fraudulent information.credit bureau failed to provide me with signed co tract from the date of the second account, after the initial furniture was picked up. No contract signed contract or any contract matter of fact for this fraudulent account was ever received
Product: Student loan

I am filing this complaint regarding the sudden and unfair removal of income-driven repayment ( IDR ) options, which has left me without a reasonable way to make my federal student loan payments. 

My student loan forbearance ended in XX/XX/year>, and I intended to enroll in an IDR plan to make my payments affordable. However, due to recent legal and administrative actions, the Department of Education has blocked access to these repayment plans, leaving borrowers like me in financial limbo. I am now being forced to either make payments I can not afford or use personal forbearance, despite the fact that it is the governments policy change that has created this hardshipnot my financial situation. Additionally, repayment plans that are not the XXXX plan are under different legislation and additional XXXX plans should not have been affected by any court injunction of the XXXX plan as the administration has so claimed. 

This is an unfair and deceptive practice, as borrowers were promised access to XXXX plans and now face financial harm due to their abrupt removal. 

I request an immediate response regarding what steps will be taken to correct this situation. 

Thank you for your time and attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXXXXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance
Product: Credit card or prepaid card

I was approved for a Chase XXXX XXXX XXXX credit card with a credit limit of {$6000.00}. I then sent 2 secure messages to Chase customer service. One was to transfer {$7000.00} of credit from my Chase XXXX XXXX XXXX card with a limit of {$12000.00}. The other was to transfer {$7000.00} of credit from my Chase XXXX XXXX XXXX card with a limit of {$12000.00}. By the end of the transfers, I should have had a Chase XXXX XXXX Preferred card with a {$20000.00} limit, a Chase XXXX XXXX XXXX card with a limit of {$5000.00} and a Chase XXXX XXXX Unlimited card with a limit of {$5000.00}. However, the Chase XXXX XXXX XXXX card was given a limit of {$13000.00} with {$7000.00} of credit missing. 

This error makes fulfilling the minimum spend requirement for a promotion on the new Chase XXXX XXXX XXXX credit card difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A : States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

I received a copy of my credit on XXXX XXXX & realize some in accuracies. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The accounts listed below are inaccurate & would like to get resolved XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened, high credit limit, last reported date, date last active, date last payment, accounts arent accurate
Product: Debt collection

The number XXXX has called me XXXX of times over the last few weeks, often XXXX or XXXX times a day. They never leave a message. I suspect they are a debt collector, but I do n't answer calls from number I do n't know. My guess is that they are just calling repeatedly simply to harass me.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit card or prepaid card

XX/XX/2019 Scheduled payment for {$30.00} on XX/XX/2019 Statement balance {$68.00} -Recurring minimum {$38.00} XX/XX/2019 Downloaded current activity to XXXX. 
Recurring payment of {$38.00} was missing and replaced by a payment of {$7.00} Which is my payment of {$30.00} + the difference to the minimum payment. 
XX/XX/2019 Placed call to complain and was informed that this was because I had a minimum automatic payment scheduled. 
XX/XX/2019 Charged {$2.00} for minimum interest charge because I had a balance on my previous statement. 
This complaint is not about the {$2.00} I was charged, it is about the {$2.00} or more Synchrony Credit customers are probably being charged everyday
Product: Credit card or prepaid card

I XXXX XXXX hereby make a claim against Goldman Sachs Bank for the multiple errors I have found in my balance statement over the past two months. I am confident that I have been overcharged and request a full investigation into this matter. I request to be informed of any fees or penalties assessed as a result of the errors in my account, as well as a detailed report of any other charges made during the same period. 

I would also like to request all relevant documents and communications associated with my account during this period of time. 

Finally, I request that if the investigation reveals errors on behalf of Goldman Sachs Bank that corrective measures be taken and compensation provided for any losses incurred due to those errors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX MOTORS XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Consumer Dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft To Whom It May Concern, I am writing to dispute certain inaccurate information that appears on my credit report. The information listed below is the result of identity theft, and I request that it be removed under the guidelines of 15 U.S. Code 1681c-2, which provides for the blocking of information resulting from identity theft. 

Disputed Information : Account Name : XXXX XXXX Type of Information : [ e.g., fraudulent account, incorrect charges ] Date of First Reported Fraud : XXXX Amount : {$3500.00} According to 15 U.S. Code 1681c-2, upon receipt of an identity theft report from the consumer, credit reporting agencies are required to block the reporting of information that is identified as being a result of identity theft within four business days. I am requesting that you immediately block and remove the above-listed information from my credit report and cease reporting this information to other parties.

Enclosed, please find copies of the following documents to support my claim : A copy of my identity theft report.

A copy of my driver 's license or other government-issued identification to verify my identity.

Please investigate this matter and remove the fraudulent information from my credit report as soon as possible. I would appreciate a confirmation of receipt of this letter, as well as notification when the information has been removed. In addition, please provide me with a free copy of my updated credit report reflecting these changes.

Thank you for your prompt attention to this matter. Should you need any further information or documentation, please do not hesitate to contact me. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to XXXX XXXX and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.
Product: Debt collection

Ive asked for my credit to be disputed for unlawful practices. My debt occurred in Florida but the company does not have a Florida license to collect my debt. Ive emailed them and constantly do to get them to take this off my credit for unlawful practices.
Product: Credit reporting or other personal consumer reports

Notice to agent ( s ) is notice to principal ( s ). Notice to principal ( s ) is notice to agent ( s ). 

I am writing to dispute inaccurate information on my consumer report related to the following accounts : XXXX. XXXX Account XXXX : XXXX XXXX : Account charged off ; {$2100.00} written off. 
Dispute Reason : This account was charged off and written off as income, per IRS regulations, and can not legally be reported on a credit report. I demand its immediate removal under 15 USC 1681e ( b ). 

XXXX. XXXX XXXX # XXXX Account Number : XXXX XXXX : Account charged off ; {$450.00} written off. 
Dispute Reason : Charged-off accounts considered as income should not appear on a credit report. Remove this account per 15 USC 1681e ( b ). 

XXXX. XXXX XXXX # XXXX Account Number : XXXX XXXX : Account charged off ; {$1300.00} written off. 
Dispute Reason : As with the above, this charged-off debt has been written off and reported as income, which must not appear on a credit report. Please delete this entry in accordance with 15 USC 1681e ( b ). 

XXXX. XXXX XXXX. 

Account Number : XXXX XXXX : Account charged off ; {$240.00} written off. 
Dispute Reason : This account is incorrectly reported as charged off. As income, this can not be legally included in a credit report. I request its deletion under 15 USC 1681e ( b ).

The Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) requires that your company ensures the maximum accuracy of any information included in a consumer report. Reporting charged-off accounts that have been written off as income violates these legal requirements. Additionally, 15 USC 1681a clearly outlines the exclusions for reporting information like charge-offs, which are treated as income. 

Resolution Requested I demand the immediate deletion of all aforementioned accounts from my consumer report. Additionally, please send me a free copy of my updated consumer report reflecting these corrections. 

Failure to comply with my demands will result in legal action against your company, and I will seek damages of {$1000.00} per violation for defamation of character, negligent enablement of identity fraud, and willful noncompliance with the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been trying to remove a {$14000.00} plus credit card from report that is not mine
Product: Checking or savings account

XX/XX/2019, I opened the account with my former co-leader of XXXX XXXX XXXX  XXXX. I showed them my Social Security Card and license. In XX/XX/XXXX, we swapped out one co-signer for a different one, and again at that time I also showed them my Social Security Card and license. That's two times in 8 months. Today, I tried to log into the XXXX   account because every couple of months I update the spreadsheet and reconcile with the online account for what we have and what expenses / income we have coming up. I could not access our troop account because again the bank is requesting my social security card along with my license that I have already submitted twice in 8 months. This is very unprofessional and shows a complete lack of competence. So right now, with one week until our next meeting our XXXX does will not have access to our funds which is hampering our planning efforts for the month.