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

On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im XXXX  of XXXX hand so its some what dificult when right handed and only have XXXX XXXX  well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$11000.00} I have previously XXXX  the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my XXXX XXXX
Product: Debt collection

Hi, My debt was sold by XXXX XXXX XXXX , XXXX to JTM Capital Management , LLC. I managed to find their contact information through the XXXX ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about JTM Capital Management.  XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. 

Please refer to this link to the XXXX  regarding JTM https : XXXX # Alert If you're able to help shed light on this situation, I would greatly appreciate it.
Product: Debt collection

emotional distress, embarrassment, ridicule, loss of reputation and humiliationXXXX XXXX ss XXXX Right of Rescission never was notified Ask for verification of debt never notified 15 U.S.C 1611 violations 15 U.S.C 1692 violations 15 U.S.C 1681 violations Never told the contract Proof in attachment I wish to use my right to rescission to rescind the fraudulent contract " Litigation- I never been supplied proof of the Alleged Debt therefore exists ''. I ask to provide me with the fraudulent transaction contract and outline the Alleged Debt and/Or amounts Cash app violated the XXXX
Product: Credit card

I was looking over my statements and realized Wells Fargo bank charged my account a late fee and a finance fee after the bill was paid in full for the XXXX Statement on my WF Business Credit Card. I contacted them regarding this and a XXXX XXXX ( Employee/Location ID XXXX ) advised that they would not refund the financing charge as it was a violation of the credit agreement which is not the case as this credit card is PAID in full every month.
Product: Debt collection

I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you for over a year, and have failed to do so. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants ( XXXX XXXX XXXX ) the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i revied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, was for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
Product: Checking or savings account

on XX/XX/2021 I made a ATM Deposit at the NAVY FEDERAL CREDIT UNION {$440.00} into my checking account ... ..NAVY FEDERAL CREDIT UNION STOLE my cash deposit and placed it on a credit card DURING THIS PANDEMIC!! I do not have money at the moment to pay for that card ... I NEED MY MONEY TO LIVE during these hard economic times .... I feel it was disgraceful to take money from anyone during these rough times..
Product: Credit reporting or other personal consumer reports

Attn : Equifax XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, My name is XXXX XXXX. I am writing on my own behalf, to dispute several accounts that were fraudulently opened in my name and to request the removal of associated inquiries and collections from my credit report. I did not authorize these creditors to obtain my information, and upon contacting them, I was advised to request the credit bureaus to delete these entries. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} / {$350.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX  ) - Account Number : XXXX - Amount : {$190.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$3000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$1700.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX Additionally, these creditors have inaccurate personal information on file. My correct information is as follows : Correct Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX Email : XXXX Number : ( XXXX ) XXXX Employer : XXXX XXXX XXXX - Owner Please correct the inaccuracies on my credit report. Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have had this Capital One credit card for at least 15 years with no particular problems. Last month I received a notice that my account was past due. It said that I had to pay {$820.00} immediately to restore credit. I paid {$850.00} and requested a history of the account. All of my credit cards including Capital One have instructions to pay the minimum amount in the event that I don't pay the full balance. My wife and I have 6 or 7 different cards including another Capital One account. We have written all of them with instructions to pay the minimum on the due date. We travel a lot and wish to prevent the high fees and high rates charged by companies like Capital One. We are currently being charged fees of $ XXXX/mo on card ending in XXXX and 31 % interest. Obviously, anyone would choose to avoid extortionate fees like this, and when I received notification from Capital One I responded promptly with payment. Over our long history with Capital One we have had instances of not receiving statements, sometimes one or maybe two in year, but not 2 or 3 in a row as we experienced last summer. Our other card ending in XXXX is charged a more normal rate of 18 % interest. Capital One has a long history with me and my wife. Why is one card afflicted with usurious rates and the other treated like a normal credit card? I have written to Capital One requesting reasons for this, but as yet have received no explanation.
Product: Credit reporting or other personal consumer reports

Fraudulent Collections are on my Transunion credit Report. i am a victim of identity theft and fraud has taken place. the accounts provided are fraudlent and must be BLOCKED AND REMOVED. The following accounts provided were not opended by me. MY identity was stolen and used against my will. 

Please block and remove the following accounts XXXX XXXX - XXXX  - balance XXXX - date fraudulent account opened - aacount number XXXX XXXX XXXX XXXX - balance {$97.00} - Date fraudlent account opened XX/XX/XXXX  - account number XXXX XXXX  - balance XXXX - Date fraudlent account opened XXXXXXXX  - account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as XXXX days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to Covid hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as XXXX days late XXXX. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the XXXX XXXXday  late payments with the Credit Bureaus as that was not my fault for nonpayment.
Product: Credit reporting or other personal consumer reports

My account with (XX/XX/XXXXXXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 


( XX/XX/XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

1 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year>2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I can not log in to Equifax website to dispute anything on my credit report.
Product: Student loan

I filed an application for loan discharge on XX/XX/XXXX ( i know i paid my private loan in full, but i would like those payments to be applied to my federal loan for my closed school ). I am part of SvC full automatic discharge. My loans have only been partially discharged and the other payments made should go to those. I have not received a reply since the email on XX/XX/XXXX.
Product: Debt collection

The debt was pursued by XXXX XXXXXXXX in XXXX ( XXXX ) in XXXX, FL in Circuit Court. The debt was dismissed on XX/XX/XXXX. LVNV Funding has been alerted that the debt was dismissed but refuses to remove it as a collection account from my credit report. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my 3 credit reports. I 've already reached out to them directly but to no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion credit bureaus continues to list XXXX XXXX XXXX XXXX delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, XXXX, XXXX and Transunion credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized dispute letter to Experian, asking them how did they validate not verify this chapter XXXX bankruptcy that was showing it was discharged on my credit report, only after I sent a letter to the UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF NORTH CAROLINA asking if they furnished information to 3rd parties, their response was we dont furnish information to credit bureaus, so therefore thats a violation of the FCRA by Experian, because this bankruptcy was verified by the credit bureau through a 3rd party like the PACER system and not the original furnisher of this account. Experian is still reporting this bankruptcy on my credit report, even after I sent a dispute letter to them with a copy from the UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF NORTH CAROLINA, stating that they dont furnish information to 3rd parties.
Product: Mortgage

Wells Fargo had a major security breech during the time my mortgage was carried by their company. I went through the process of my home almost being foreclosed on, leaving me to come up with an extraordinary amount of money. They never offered any kind of loan assistance program such as mortgage modification, etc. Wells Fargo put me and my family in an extremely difficult situation with no resources being offered even after requests which forced me into eventually having to file bankruptcy which is till effecting my credit and my finances. I had no idea that all of my personal information had been shared and was never offered any protection from identity fraud and have been the victim of fraud related to what I believe is the Wells Fargo breech of information
Product: Debt collection

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of this account and request that it be investigated and corrected or removed. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to provide accurate information. If this debt is found to be invalid or unverified, I request its removal from my credit report. Furthermore, I am requesting validation of this debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Please provide all necessary documentation to prove that this debt is valid and that I am responsible for it. If you can not provide such documentation, I request that you remove this collection account from my credit report. Please notify me of the outcome of your investigation at your earliest convenience. Thank you for your prompt attention to this matter. The company title are " XXXX XXXX XXXX ''. The balance on my credit report is {$750.00}. The account number is ( XXXX ). This collections was opened on XX/XX/XXXX. As of XX/XX/XXXX is when I noticed the collections.
Product: Credit reporting or other personal consumer reports

Late payments To whom it may concern, In accordance with the fair credit Reporting act UPGRADE, INC Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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.. 

Please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. 

Thanks
Product: Credit reporting 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. 

Account Name : CONNS Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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.