23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

JPMCB has already settled the account, showing an amount owed of {$0.00}, and it is still on my credit report as an account that " needs attention ''.
Product: Credit card or prepaid card

Wells Fargo talk me into getting a credit card utilizing my own money they told me if I put up {$600.00} of my own money keep it in there 4 a year only get gas with the card at the end of the year they would give me my {$600.00} back and I will obtain the credit that's what I did at the end of the year they gave me my {$600.00} back couple of months later I received a statement in the mail saying I owe them {$600.00} I'm like what is going on that's not what you told me so now they have put that on my credit report I talked with him on numerous occasions they was sorry for the mistake that should have not happened to me they were going to take it off but unfortunately it's still on there and that's on my credit report and I want it taken off how can I owe them {$600.00} when it was my own money and they turn around and gave my money back to me at the end of the year like they said they told me they were going to close it out and they were going to fix it but it's still showing up on my credit report XXXX showing up that I owe them so they never did take her the problem like they said they were going to do and it's been over 3 4 years ago
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

While I was XXXX overseas ( in XXXX ), my lease expired and I had to procure new housing. My mortgage broker told me that I I was approved for a VA loan at 3.375 percent. He asked me to engage my word to go with his company if would get me this rate. I gave my word ( in the military, our word is our bond ). However, he did not get me a VA loan. he instead got me a higher rate loan with PMI. Moreover, by the time his " bait and with '' was evident, it was too late for me to change mortgage brokers. I would lose my house and I would be homeless. I called the mortgage company about this and they did nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of Equifax Data Breach. I demand to deleted all the accounts or I will file a litigation.
Product: Credit card

A company called XXXX called me and said they were XXXX and I had viruses on my computer and they would remove them for {$300.00}. I later found out that they were actually putting in viruses to hack into my computer. I had to have another company remove them. I reported this to my Citi bank credit card to remove the charge. I filled out several complaint forms and was told it was not enough information and they could do nothing, so I cancelled the card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a Notice of Dispute regarding fraudulent accounts on my consumer report to Experian 's Fraud Department via certified mail ( Tracking # : XXXX ), delivered on XX/XX/year>, at XXXX XXXX XXXX XXXX, TX XXXX. 

My follow-up phone call on XX/XX/year>, with Agent XXXX, XXXX supervisor, was met with rudeness, no assistance, and her dismissive actions led her to ending the call after I was on hold for an hour and twenty minutes waiting to speak with the Experian Fraud Department .

Experian 's dereliction of duty and unprofessionalism caused me extreme stress, which lead to an anxiety episode, a hospital visit, and ongoing therapy. 

I demand immediate acknowledgment of my dispute, a transparent reinvestigation of the fraudulent accounts, and compensation for the harm caused. If unresolved, I will escalate this matter legally under the FCRA and state laws.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction to my credit report. I demand the account be remove from my credit.
Product: Credit reporting or other personal consumer reports

Collection is not mine. The amount reporting is {$760.00} from a creditor XXXX XXXX  This is not my debt.
Product: Debt collection

Received an alert on my credit reports that I owe this company money and never done business with this company. 

XXXX XXXX No account information other then the name : Receivable Performance Account was open XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are only on my Equifax credit report. Ive reached out to all these creditors to have this resolved because they are not authorized by me and I was told to reach out the the credit bureau to get this taken car of. When I reached out to Equifax they said that could find paper work Ive mailed to them back in XX/XX/2022 and that I needed to file an report here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I place an order for XXXX items XXXX of items was not received and contacted XXXX. They are refusing to credit the items that was received
Product: Debt collection

On XX/XX/2021 Innovation recovery collection account was removed from my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
Product: Debt collection

First, I would like to ask the National Credit system to stop reporting this account on my credit report because they are injuring my credit profile and this has caused my credit score to drop XXXX points, they have caused some of my credit limits to drop and I am unable to obtain more credit. 

I have asked the National Credit system for Debt Validation and they had failed to do so, I demand a line-by-line w/description explanation and supporting documents ) from the first month, I would like to see from XX/XX/XXXX to XX/XX/XXXX which they have failed to provide. They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation. 

This account is also reporting charges that do not belong to me I have asked the national credit system to Explain in writing what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor National Credit System to try to collect the initial late fee late payment in the amount of {$310.00} for XXXX months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of fees. Needless to say, the apartment has to be repainted each and every time its rented my unit has normal wear and tear. 

Here are a few more other things I am looking for in connection with the National credit system collecting this debt. 
Any creditor regarding this account has made any insurance claims ( I need ) Any Judgments obtained by any creditor regarding this account ( I need Name on the file of the alleged debtor ( I need ) Address on file for the alleged debtor ( I need ) Amount of alleged debt ( I need ) This alleged debt became payable ( I need ) Date of original charge off or delinquency ( I need ) Verification that this debt was assigned or sold to the collector ( I need ) Complete accounting of alleged debt ( line-by-line w/description explanation and supporting documents ) from the first month I paid my rent and my security deposit. ( I need ) Explain in writing in my lease, what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia ( I need ) Commission for debt collector if collection efforts are successful ( I need )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date opened : XX/XX/22 Balance : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX. XXXX XXXX- XXXX {$150.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Product: Mortgage

Why does your payment link for loan XXXX say that there is no payment due? You advertise a payment can be made online. But thats a lie because it says no balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report regarding Public Records listed below : Public Record : 1. US BANKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 
2. US BAMKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 

I recently submitted disputes with Experian, XXXX and XXXX on the above mentioned bankruptcies, requesting that they be verified. All three Bureaus responded that they verified the bankruptcies with the US Bankruptcy Court, XXXX, IL. This is in fact a lie. I have obtained a valid letter from the United States Bankruptcy Court stating that The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying information from consumers credit files. ( See attached letter from The Clerk of Court United States Bankruptcy Court, XXXX XXXX XXXX ) This is, in fact, contrary to the findings or results of my rightful dispute asking that XXXX, Experian, and XXXX verify the above-mentioned bankruptcies listed on my credit report. And using the third-party company, XXXX as the furnisher to verify the above listed public records is not the original furnisher of the information. But I showed XXXX, Experian and XXXX, with the attached document from the US Bankruptcy XXXX XXXX, XXXX XXXX XXXX Illinois, that they in fact, DO NOT VERIFY information with the credit bureaus. The Fair Credit Reporting Act specifically states that all items on a credit report must be verified from the original furnisher. And the US Bankruptcy Court Clerk is the original furnisher of all public Records. So, XXXX, XXXX and Experian is in direct breach of the law by reporting the above listed public records. 

Also, I recently obtained my Consumer Disclosure Report from XXXX, in which Experian and XXXX uses as a third-party vendor to verify bankruptcies on a person 's credit report ( See attached XXXX Consumer Disclosure Report ). In that report there isnt any bankruptcies listed associated with my social security number. 

And the addresses attached to the bankruptcies on my credit report with XXXX, Experian and XXXX does not or have not belonged to me at all. I don't, nor have I ever been able to receive mail at the addresses attached to the above listed bankruptcies. 

The above-listed public records can't be verified and must be removed from my credit report. 

In conclusion, XXXX, Experian and XXXX have failed to provide me with verification of the above listed bankruptcies. They are publicizing inaccurate information on my credit report. Which is a direct violation of the Fair Credit Reporting Act Section 1681 ( c ), 611 ( a ) ( 7 ) and a serious breach of my privacy rights. 

I have maintained careful records of their actions. I once again, respectfully request that XXXX, Experian and XXXX remove the above-mentioned bankruptcies from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards with the XXXX XXXX card. I had card insurance in case something happened and it did. I filed the proper claim with the card company. I was advised I would receive a letter requiring me to return I never received documents. I reached out on several occasions for documents and still have yet to receive.Insurance made 1 payment to 1 account and I filed for both accounts. I was advised I needed to speak with 3rd party company which was a collection company telling me my account have been charged off which should have never taken place. This is at no fault of my own. 
XXXX XXXX XXXX : has never made any insurance payments on my behalf documents always promised but never received was often told it would be emailed but nothing multiple points of communication requesting document noting provided.
Product: Student loan

I submitted a student loan forgiveness request to the Federal Student Loan Service on XX/XX/XXXX ; a copy of the application was sent be certified mail. and arrived about a week later. Both have been confirmed as received. They are not separate applications, but two copies of the XX/XX/XXXX application. The application guidelines state that the service provider may take up to 120 days to process. It has been more than 120 at this time. When I called to request a status, employee # XXXX of Federal Loan Service stated that they are overwhelmed with applications, the 120 days service response was no longer valid, and he could not confirm ( despite my early submittal of application in XX/XX/XXXX ) if they would be able to process the application by close of the program in XX/XX/XXXX. I asked if he could confirm that I would still be eligible, if their staffing issues prevented my application being processed by XXXX, and he would not commit to my application remaining eligible despite their staff issues. So ... what this appears to be saying is that, despite my being eligible for the TEPSLF program, I could lose my eligibility if the service provider fails to respond in a timely manner ( something over which I have no control ). Can you confirm his statement is correct and, if it is, whether a policy can be put in place that eligible applicants who submitted in a timely manner will retain eligibility regardless of how long it takes for the service provider to process the application and even if it exceeds the XX/XX/XXXX program closure?
Product: Credit card or prepaid card

PayPal is charging me late fees because I paid my account early. They say their policy is to charge a late fee if you pay between your due date and their generating new bill period. In 2023 I paid XX/XX/XXXX, XX/XX/XXXX, & XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These were large payments over the amount owed. XXXX was toward XX/XX/XXXX bill, XX/XX/XXXX was for XX/XX/XXXX bill, XX/XX/XXXX is for XX/XX/XXXX bill. I was charged {$30.00} late fee in XXXX, again in XXXX, and {$40.00} XX/XX/XXXX. This is highway robbery. They have set up a computer system that generates late fees without calculating payments paid early rather than late. My account is never in arrears! I want a refund of all late fees. The foreign operated online chat wont allow customers to submit proof of payments, speak broken English without verbs or proper pronouns, and the representatives clearly speak from a script without authority to refund the pay pal automated fleecing. 

In addition Pay Pal has increased my credit limit without asking me if I want additional credit, which I did not want!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation according to the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experince, where Experian haas neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit report dispute to verify a collection account on my credit profile with XXXX on XX/XX/2019. The original credit was XXXX XXXX XXXX and the collection agency is Midland Funding LLC. XXXX allegedly contacted Midland Funding LLC and was able to verify the information by XX/XX/2019. However Midland Funding LLC or XXXX  has re aged the debt on this collection account to XX/XX/2019 making it appear as a new collection account.
Product: Credit reporting or other personal consumer reports

This company shows erroneous info on my credit report all while denying me due access to same report.