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

Ref account number XXXX XXXX XXXX. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however XXXX reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however Equifax reports, they can not correct the inaccuracies because XXXX  verified the report. It Is impossible to have an account closed in XXXX, with late payments in XX/XX/XXXX. This was the second time XXXX reported late payments in XXXX. Both times affecting the score on my reports. 
XXXX also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. XXXX  reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.
Product: Student loan

I have been the victim of a student loan scam. On XX/XX/18 I received a letter in the mail that said it was the final notice for student loan consolidation and Payment Reduction Program. I called the number ( XXXX ) on XX/XX/18 and ended up giving him my FSA ID password, thus he was able to login to my account and see my personal details, including the last 4 of my SSN, date of birth, home address, etc. After getting off the phone it felt suspicious so I XXXX  the number and it showed up as a scam. I am worried about what he can do with this information and will be freezing my credit score at all 3 credit agencies and signing up for an identity theft protection service. I would also welcome any advice on other things I can do to protect myself.
Product: Debt collection

PLEASE BE INFORMED THAT I FILE BANKRUPTCY ON XXXX XXXX, 2017, CASE NO.XXXX.SEE ATTACHED
Product: Credit reporting

I have officially filed suit against Transuion. I have repeatedly disputed items that do not me since XXXX. It is now XXXX and they still refuse to remove the items. I was also affected by the glitch where they removed items off of my report and put them back on there. As of XXXX/XXXX/2016, I have filed suit in XXXX XXXX against Transuinon because of their refusal to follow suit along with the other Credit Bureaus and remove the items. I am done fighting with them. I will let my attorney do the talking and I will be suing for the full amount that the law allows. Also, Transunion refuses to update my address in the system as well after I have sent them documentation.
Product: Debt collection

On Thursday XX/XX/XXXX at XXXX PM CT, I was contacted by a number ( XXXX ) that promptly went to voicemail, wherein a XXXX XXXX was attempting to contact me about a " pending legal matter scheduled to be filed against [ me ]. '' XXXX XXXX than proceeded to call and leave voicemail messages with several friends and family members, threatening that if I did not call back in a timely manner, actions may be filed against me and that by calling, I could " prevent this from taking place. '' I was given a number to call ( XXXX ) and a reference number. On Friday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I was contacted by a similar number ( XXXX ) with the same message verbatim. Once again, XXXX XXXX contacted me and my friends and family, leaving a threatening voicemail with the same threats and instructions. I did not hear anything on Saturday XX/XX/XXXX and Sunday XX/XX/XXXX. I assumed this was a scammer. On Monday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I received a threatening text message from XXXX, made to appear to be an automated message threatening to file a complaint against me in my county court. This text message told me to contact XXXX with my reference number of the filing would be done without my participation. Once again, my friends and family were contacted with the same text message. On Monday XX/XX/XXXX at roughly XXXXXXXX XXXX XXXX, I contacted the XXXX number and was greeted by a receptionist at " XXXX XXXX XXXX XXXX XXXX. '' I provided my case number, and after a hold, was told that this was a civil complaint to be levied against me. Title 15 was referenced. This civil complaint was in regards to an alleged debt accrued in XXXX and owed to CitiBank. This alleged debt was turned over to a collections agency. Frankly, there is no such alleged debt as I've never had a CitiBank credit card and I believe that XXXX XXXX XXXX is attempting to threaten and harass me and my family to collect an alleged XXXX XXXX XXXX debt. I believe that XXXX XXXX XXXX are acting in bad faith and are likely being used as a front to attempt to threat and scam people. I requested the address for XXXX XXXX XXXX to file a cease & desist against them and to file a complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : my name is XXXX XXXX I am responding to your email it states your company this report to Office Financial of Currency I received a letter from them stating they are not going to respond to any more complaints, which is not fair to me especially when I gave them evidence but they ignored my claim. My last resort is to get a lawyer and file this complaint with the XXXX XXXX XXXX especially when my evidence is being overlooked or destroyed by the Office Financial of Currency and XXXX which is a violation against according to FRCA Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months, I have been in constant contact with Experian with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military XXXX orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX ( {$17000.00} ), XXXX ( {$16000.00} )
Product: Credit reporting or other personal consumer reports

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the XXXX XXXX XXXX and attached the XXXX XXXX XXXX  affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting different date of last activity on three inaccurate accounts reporting on my credit report. The account for XXXX acct # XXXX, XXXX XXXX acct # XXXX, and account XXXX acct # XXXX, are all reporting different DOLA dates. The keep coming back saying it's accurate. How can it be accurate when everyone is showing a different DOLA date for each reporting.
Product: Credit reporting or other personal consumer reports

Subject : Request for Review of Complaints Regarding Credit Reporting Agencies ' Persistent Violations of the FCRA To the Consumer Financial Protection Bureau, I am writing to request an in-depth review of my complaints and the responses I have received from credit reporting agencies ( Experian, Equifax, and TransUnion ) , regarding their persistent and blatant failures to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

I have filed multiple complaints with the CFPB. These complaints detail the credit reporting agencies ' systemic failures, which have been consistent since before my initial submission via the CFPB starting in XX/XX/year> and continue to remain unresolved, to : * Conduct reasonable reinvestigations of disputed information : Experian, Equifax, and TransUnion have repeatedly failed to adequately investigate and resolve inaccuracies and unverifiable accounts on my credit reports. Their responses demonstrate a clear disregard for the FCRA 's requirements for thorough and fair reinvestigations. 
* Forward consumer-provided evidence to furnishers : Despite providing specific documentation and details to support my disputes, these credit reporting agencies have shown a pattern of neglecting to forward this information to the furnishers of the disputed information. This obstructs the reinvestigation process and perpetuates inaccuracies. 
* Accept unreliable responses from furnishers : These credit reporting agencies have demonstrated a willingness to accept inadequate and unreliable responses from furnishers without further scrutiny or investigation. This practice undermines the integrity of the credit reporting system and leaves consumers vulnerable to inaccuracies. 
* Adequately notify consumers of dispute outcomes : The notifications from these credit reporting agencies regarding dispute outcomes have been insufficient and have failed to provide clear explanations or justifications for their findings. This lack of transparency prevents consumers from fully understanding and addressing the issues with their credit reports. 
* Ensure maximum possible accuracy of information : By failing to conduct reasonable reinvestigations and relying on unreliable information, Experian, Equifax, and TransUnion are violating their obligation to ensure the maximum possible accuracy of information in my credit reports as required by the FCRA.

These failures are not isolated incidents but rather a persistent pattern of non-compliance that highlights systemic issues within these credit reporting agencies. As noted in my previous complaints, these issues directly mirror the allegations in the CFPB 's lawsuit against Experian. 
I urge the CFPB to thoroughly review all of my complaints and the responses from these credit reporting agencies. I believe that this review will further demonstrate the agencies ' persistent and blatant disregard for the FCRA and the rights of consumers. 
Thank you for your attention to this critical matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a unauthorized car loan on my credit report that I never applied for.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX, I made a purchase for a meal at a XXXX XXXX Restaurant located at XXXX XXXX XXXX, XXXX, CA XXXX ( Store # XXXX ). I was told by the restaurant attendant to wait 30 minutes for the order that I placed at the drive thru window of the restaurant. The order was untimely and I was not properly treated by the attendant of the restaurant. I canceled my order and did not purchase from the restaurant. 
On Tuesday, XX/XX/XXXX, a charge in the amount of {$7.00} was posted on my credit card account for the same order. I initiated a charge dispute with Capital One as I was unable to obtain a refund from the merchant. On XX/XX/XXXX, I received an email confirmation stating that an investigation was initiated. ( See Attached Email dated XX/XX/XXXX ) Capital One requested further information about the dispute and this was provided to them. 
On XX/XX/XXXX, I received a letter from Capital One stating that the investigation initiated by Capital One was completed for the transaction and that based on a previous review of the transaction the investigation was decided appropriately. ( See Attached Letter from Capital One Dated XX/XX/XXXX ) As of the present date, no refund has issued by Capital One or merchant for the charge that was made to the credit card for the food item that was not purchased. Capital One was unable to resolve the transaction dispute favorably on the basis of the facts provided to them where a refund was warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are erroneous and should not be on my credit/consumer report. : XXXX XXXX NA / XX/XX/XXXX ( inquiry date ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX Card / XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX The following address needs to be removed as it is not mine. : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The collection company constantly calls my husband at work. They hunt down people I know on my XXXX page and harass them. They have my number and they have my address. There is no need for them to be calling anyone else.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 personal loans XXXX from XXXX XXXX with a total balance of {$350.00} opened on XX/XX/year> under the account number XXXX, and the other XXXX  with a total balance of {$530.00} under the account number XXXX on XXXX and XXXX Insurance loan from XXXX with a Total balance of {$760.00} under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit card

I had the T.J.MAXX rewards card for about 2 months and paid off in full every statement until one day I noticed my account was closed. I called them and inquired why it was closed and they said they close accounts that carry a balance if they dont receive payment within 23 days of each cycle or something and I never knew about that. I was told they closed my account because of t was past due- but I made XXXX separate payments this month? Mind you, I owed under {$300.00}. It was my first time being late and I was a day maybe two late with this card and didnt even know I was late and my payment was dishonored because they took a multiple days to finally receive the payment and I had insufficient funds. Surprise, I have other bills. I told them Ive never been late and I owed under {$300.00} at the time and was still able to make the payment even before I called them and brought my balance down to almost {$100.00}. And since that day in XXXX, Ive been getting multiple phone calls, text messages and emails per day and from 4 different numbers with automated voicemails. It seems to be a little unethical. It completely ruined my credit and payment history. Which was XXXX XXXX until that time.
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 : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 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

i recently sent letters to the CRA 's reporting an inaccurate and incomplete account they are reporting on my credit report. 15 usc 1681e ( b ) states all information has to be 100 % accurate and complete before reporting.

the following inaccurate and incomplete item is : Family support division XXXX I have attached a copy of each letter below for your reference
Product: Debt collection

I established a payment arrangement in XX/XX/XXXX for bi-weekly payments of XXXX. I NEVER missed a payment or was late. I received a phone call last month ( XX/XX/XXXX ) from I.C. System, Inc. ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that my payment arrangement had ended and my final payment of {$27.00} was taken out on XX/XX/XXXX and I had a remaining balance of {$150.00}. Not sure who authorized the increased payment either because I did not. -- - I asked the guy to be put back on the payment arrangement I had in place because my financial situation had not changed. He told me that my ONLY option was breaking it up into two equal payments ( which would be 3x my normal payment amount ). I told him that was not feasible - he then THREATENED to put this on my  credit if I did not take the offer he gave me. I then informed him that it is illegal to threaten someones credit and that I could not increase my payment. I then went on their website and made a payment on XX/XX/XXXX for XXXX. Today I received a call from I.C. stating that this had now been reported on my credit ( after I was threatened ) - even though I still have not missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma approved my times for loans and credit cards.I applied many times and was denied and it made my credit score go down.They sent me many notifications from their app saying I was approved and through email.My credit went down and they told me it would not affect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX  Balance : {$650.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company Navient has been trying to make me pay XXXX dollars for a student loan that I already paid in full for sallie Mae in 2012. They wont stop sending me bills even though I tried to tell them the debt was already paid.
Product: Debt collection

Certified letter mailed to XXXX XX/XX/2023, request for validation of contract due to wrong amount and time frame reported. Information was deleted from XXXX and XXXX. Separate dispute made to Transunion as information was placed back on report XX/XX/2023 post notification of documented deletion of account. Report number as follows ; XXXX Dispute, Investigation Results Report Created On : XX/XX/2023 File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS DELETED : The disputed item ( s ) was removed from your credit report. 
Feedback In response to your dispute, this item was DELETED from your credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX on Transunion and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Satander USA this is terrible 17 charge offs for a company being sued in 34 stares. If we had a XXXX in this would have been settled.
Product: Checking or savings account

Us bank is racially discriminating against me. They closed my business checking account and debit card for no reason.