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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX of XXXX a check from XXXX XXXX XXXX XXXX was sent to key bank. The check was cashed and cleared by the XXXX of XXXX. By the XXXX the money still was not in my account. I contacted key and was told it could take 7-10 days. I waited seven days and still nothing I called again and was told they could not find it I contacted corporate to escalate things. I was told approximately one week later they found it. Still not in my account as of XX/XX/XXXX. No one will cix this please get someone involved the amount is XXXX and I have lost 1 days work at XXXX an hour
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX  XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has verified that these alledged accounts are accurate. I have repeatedly asked for the method of verification and demonstrate that these accounts are METRO 2 Compliant
Product: Debt collection

Upon reviewing my credit report, I have identified inaccuracies and fraudulent accounts that need reporting and correction through your company.
Product: Student loan

I received a phone call several years ago in regards to " student loan forgiveness '' I signed up because my payments would be high. The representative stated he was going to sign me up for the program and I would pay for 10 years. After 10 years of consistent payments toward my student loans, there would be a final evaluate on my earning versus my current salary. I recently reached out to my student loan provider because they asked if I would like to make early payments while I work on my XXXX. 

The woman at my student loan provider XXXX XXXX stated I was defrauded by this company. The name of the company is Equitable Acceptance. I requested the company stop taking money from me and they refused. They have been taking money each month for the last 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I see that the account was erroneous. Experian and XXXX are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My Capital One Credit card is not reporting to XXXX or XXXX. The credit card number ends in XXXX. Ive contacted both credit bureaus as well as Capital One. The account is in good standing. The credit bureaus say that in 2020 Capital One contacted them and told them to delete the account. At the time, I was disputing a late payment with Capital One. Instead of correcting the late payment info, the direction from Capital One was to delete the account, which XXXX and XXXX did. Now, the only way the account can be re-inserted is if Capital One contacts them and have them re-insert it. I have asked them to do so but they said that they are reporting it to the bureaus, which is all they are responsible to do. 

I have been on over a dozen calls with Capital One, XXXX, and XXXX regarding this issue. I hope that you all can help me resolve this. 



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

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company XXXX have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than XXXX  days very horrible customer service I have reached out to XXXX numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all These are the inquires 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 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 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 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/18 requesting Navy Federal Credit Union to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.
Product: Student loan

I question Navient 's ability to handle payments. I made a one time {$500.00} payment on  XXXX   XXXX    XXXX   via my account website on Navient, and the payment was lost. When I spoke with Navient agent, although they were nice, the stated that the payment was lost, or not connected to my account for some reason, and they would work on fixing it for 16 days. I asked how this would be avoided in the future, and the agent was unable to answer the question. I paid online via my account page! How on earth could the payment have been disconnected from my account? I am so frustrated, and I do not feel that Navient takes ownership of this issue, despite the fact that I am a customer paying THOUSANDS to this company in interest. Where is the accountability?
Product: Debt collection

In XXXX I lost my job. I am now XXXX years old. Sadly we had no choice but to file Chapter XXXX in XXXX of XXXX. On XXXX XXXX, XXXX, I am being sued for {$720.00} dollars. From a XXXX party debt collector. It was originally a credit limit of {$600.00} dollars. Never received anything not a call or a letter. To appear in court within XXXX weeks! I called them and told XXXX the situation. She was very rude and trying very hard to make me feel like a XXXX bag. I was threatened by them of putting a Lien on my home and garnishing my wages. I need MORE TIME to hire my attorney and he is very good. I am a Senior XXXX and I will not stand by and have this company me threaten me and take away from me. Going to get this company for harassment. I am retired and I will not just stand by and got this letter within XXXX weeks for a court appearance.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. The identity theft was discovered and investigated by XXXX XXXX Police Department, the person who stole my identity was prosecuted and found guilty of the crime. I reported the identity theft to Experian on XX/XX/XXXX, the same day that police notified me that my driver 's license and mail were found in the possession of a person unknown to me, who was arrested. Experian placed a fraud alert on my credit report at that time. 
I provided Experian with a copy of the Witness Statement Report ( which states the case number, detective 's name and badge number, the date and timestamp, the perpetrator 's name, the report, and my signature ), a copy of the identity theft report made to the Federal Trade Commission, a copy of my driver 's license and a current utility bill ; furthermore, I have provided all of this information at least twice. On XX/XX/XXXX, a fraudulent XXXX account with a balance of {$2500.00} appeared on my credit report, and I disputed the account online immediately then followed up with a call to Experian identity restoration. At that time, I was asked for the same documents I already provided, which was frustrating but I provided the documents again. I then reported the fraud to XXXX online. Today, Experian sent me a long, confusing email asking for excessive information ( which I have already provided. ) Experian also implied that because the FTC identity theft report is an online report, that it is not sufficient as an identity theft report, even though I have also provided the official report. My rights as a crime victim and the victim of identity theft are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX
Product: Debt collection

I am being charged {$720.00} for an old XXXX water delivery service. There should be no balance and they picked up the faulty equipment I had years ago. XXXX is a 7 year old account and this collection bureau of American is not offering to remove the collection from my credit report.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Inaccurate Credit Reporting und er FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S C 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 2. Provide me with all documentation used to verify the accuracy of the disputed information. 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$760.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00}, XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened XXXX XXXX, XXXX, High Balance {$76.00} ), XXXX XXXX  XXXX. ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$850.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/1986 CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that, the XXXX credit reporting agency XXXX XXXX and Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX Account # 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Product: Bank account or service

In XXXX I was vacationing in XXXX XXXX XXXX XXXX. I experience identity theft and my account was charged almost {$600.00} I filed my fraud claim with Bank of America and they came back and said because I had made purchases the same day the fraud had occurred with the same merchant the frauduelent vendor had also used that they are unable to determine if any fraud has occurred. This is why we sign receipts, the bank is not doing their due diligence and im out {$600.00}. Because every vendor in XXXX uses the same merchant that should n't be my problem. Please help
Product: Credit card

have had my Capital One credit card since 2012, which as been in good standing. We all have so much to do, and I forgot to make my payment on the due date the XXXX. so I was charged a {$30.00} late fee, and called to see if it could be waved. 

On XX/XX/XXXX I talked to several specialist to see if the late fee could be waved, after all there has not been one on my account. I was told no, so asked to talk to a manager. At XXXX XXXX XXXX I talked to XXXX, they would not provide me his name. He also told me no we can not waive the late fee. 

This is the part that bothers me- he told me that the way the late fees are waved can change from day to day, and even be different at night. I asked what the variables consisted of again he said they change and could not provide that information. 

My question is how is this a fair process, if the variables are not the same for each and every customer? I felt discriminated as someone that may call after me with the same situation would have their fee waived. 

I could understand if there was a procedure in place that said customers are only allowed to waive XXXX late fees in a XXXX month period of time. Something that was in place to treat all customers equally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past year I had to claim bankruptcy so I went on XXXX XXXX to see what secured credit cards they suggested. I got a card with First Progress XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on XXXX XXXX I seen my score DROPPED 103 POINTS! I was so upset I logged on to First Progress XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XXXX and they ( XXXX XXXX ) referred me to you. I have my bank statements to prove First Progress is lying and taking advantage of people I low places that are trying to get their lives together and start over. First Progress XXXX is in the the business of making money off of low income people. I also believe that XXXX XXXX is responsible also, and should also be held accountable.
Product: Debt collection

I moved from XXXX to XXXX in XXXX of XXXX. This debt has n't been paid since XXXX. Charge off date was XXXX/XXXX/XXXX. A collection agency purchased this debt. A judgement was issued on XXXX/XXXX/XXXX. I was n't notified of a hearing for this. I filed for bankruptcy in XXXX. The debt collector never responded to the court about requesting payment. On XXXX/XXXX/XXXX another collection agency purchased this judgement, this is the 3rd purchase of this old debt. They are now trying to collect this debt. This debt was given a chance to be part of my bankruptcy. I 'm now receiving only Social Security XXXX as my only source of income. I have no assets except for my XXXX, no cars, home ect. This credit card debt XXXX.How long can this be perused?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/2022.
Product: Credit card

A Wells Fargo credit card account was opened under my name without my knowledge or permission. I found out about this when the collection company reached out to me requesting a $ XXXX debt to be paid off. This account was opened in XX/XX/year> and closed in XX/XX/year>, and the $ XXXX balance was spent in the first 3 months, which is deemed as suspicious behavior. During this time, I have never received a statement or phone call from Wells Fargo that I have this credit card under my name that needs to be paid monthly.
Product: Debt collection

They been taking money out of my account and its been non consistent payment types ones its XXXX $ then its XXXX . But non of this is showing the report on my credit report