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

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I went to XXXX XXXX XXXX XXXX and XXXX with student loans in mind. I transferred my credits from a previous college, I did n't think I would have an issue. I also receive several school scholarships, I paid monthly payments out of my pocket during the semesters as well. feel like the school misleads students in order to keep the retention low. I was never informed that I would have a {$20000.00} plus loan debt after graduating. I feel like they pressured me to sign loan papers in order to stay in school. I would n't have finished the program if I knew the loan amounts. The degree has not opened up any opportunities, I did not receive any internships or mentor-ship. The school and its staff have changed and relocated. I am left with debt and no direction, I am working a job not in my field to try to repay loans. I honestly do n't feel I 'm responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.

This serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have request a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 day to complete your investigation.
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 Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts were opened in my name without my authorization. I contacted all three major credit bureausXXXX, Equifax, and XXXXto dispute these accounts and provided supporting documentation. XXXX promptly investigated my disputes and removed the fraudulent accounts from my credit report. However, XXXX, Equifax continues to report the accounts as " verified '' despite my efforts to provide proof of identity theft. One of the fraudulent accounts is with XXXX XXXX XXXX. Despite this, XXXX, Equifax, has not taken action to remove the account from my credit report. I have requested XXXX, Equifax, provide documentation and the " method of verification '' for these accounts under my rights in the Fair Credit Reporting Act ( FCRA ), but they have not provided a satisfactory response. This inaccurate reporting by XXXX, Equifax, is causing significant harm to my credit profile and adding undue stress. I request the CFPB 's assistance in ensuring that XXXX, Equifax, : Conducts a thorough investigation into the disputed accounts. Removes all fraudulent accounts from my credit report, including the XXXX XXXX account. Provides a detailed " method of verification '' for how these accounts were verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by 77 points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. Transunion needs to act immediately and remove the negative mark on my credit file and my husbands.
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need to attention : XXXX : 1. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} - Charge-off Equifax : 1. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} - Charge-off 2. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Charge-off 3. XXXX  Date of XXXX XX/XX/XXXX XXXX. XXXX  Date of XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX : 1. XXXXX XXXX Date of XXXX XX/XX/XXXX 2. XXXX XXXX  Date of XXXX XX/XX/XXXX 3. XXXX XXXX Date of Inquiry XX/XX/XXXX 4XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Consumer Loan

I was working for a car dealership. I was working in exchange for a vehicle. XXXX XXXX XXXX. This dealer went behind my back, and used my information to fraudulently obtain financing on said vehicle through Credit Acceptance Corp. Credit acceptance corp started calling me for payments and I explained to them the situation, they within a week repossessed the vehicle from me. Now I have a repossession and unpaid balance on my credit of 3 times what the XXXX was even worth. I have told them of the fraud as well as disputed it with the credit bureau and all they do is renew the account so its fresh lowering my credit even more.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial keeps putting delinquent reports on my credit report and the vehicle was repossessed back in XX/XX/year> and sold.
Product: Debt collection

I have been making payments in a " rehabilitation '' program for well over a year. I just found out that instead of being rehabilitated, I am still in default. I have attempted to contact them by phone and by email for over a week now and I have n't received any communication. No returned calls, no returned emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$340.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00}, XXXX  XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CashCall account is closed and over 10 years old needs to be removed from credit reports.
Product: Checking or savings account

I used a moving company website to locate cross country movers. Unaware they were scam artists because they had fake website set up to show they were approved for business. Set up an initial charge through Zelle to lock in a time. Overcharged and kept charging me up until I started crying at the storage center from XXXX XXXX All foreign men who moved my things and stole them. I immediately reported to the Department of Transportation for New Jersey ( their alleged company located ). I was sent a letter and email where they stated thousands had been scammed through Zelle and had their things stolen just like me. They overcharged me upwards of {$8000.00} and stole my things. Disappeared from the existence-name changed. I have a record of all the transactions, text messages, pictures and recordings. I also have pictures of all my personal items lost. Never recovered from this loss of funds or treasured items. Not one was held responsible. I was told the Zelle transaction was final.
Product: Checking or savings account

Dear CFPB, All banks in XXXX allow payment of checks based on deposits. 

I deposited a simple check of $ XXXX. TD placed a XXXX business day hold on my check. 

I needed the money urgently. I tried to cover by transferring money. Now, TD charged me {$15.00} wire fee. 

This has happened more than once... .where I put money to cover some payments but for no reason TD 's staff placed a LONG LONG hold on the check. 

Please investigate this issue and ask TD for supply data on how many people were charged fees for overdraft, even though they had deposited funds to cover their payments. 

I have been with TD for 20 years.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX Credit Card company has charged me for late fees after I spoke to a representative on XX/XX/2022 to pay off my credit card. I had asked to pay off my account and paid an amount of {$32.00}. The systems were down during this time because they were going through updates, so I was unable to pay online on my due date on XX/XX/XXXX. 
I accrued three late charges when I was told my account was closed and paid off. When trying to resolve this matter with XXXX commenity bank they had assured me my account was closed when online it showed I had a credit and balance and my account is still open. They are taking advantage of people. When I spoke to Commenity bank, I was told I still owe the fees.
Product: Debt collection

I received a letter on XXXX from Wakefield and Associates for an unpaid balance of {$640.00} charge was from XXXX from XXXX of Illinois for a medical bill. I responded to Wakefield with the EOB which show the insurance company paid APP of Illinois XXXX check # XXXX on XXXX. After calling Wakefield again, that was not good enough. I then got the cancelled check from my insurance company that it was cashed XXXX. I sent them this info 7 times to the email address they provided, verifying it was correct. They then told me this take time to verify and that they will be reporting to the credit bureau XXXX and it may or may not be done by then. Please help. I have all documentation that this has been paid two years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX  days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion XXXX XXXX which adds to my worries about the safety of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a closed account with XXXX, XXXX and Equifax credit bureau. 

I also contacted the card company XXXX XXXX XXXX They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

XXXX and Equifax dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to XXXX and Equifax the last time I made a payment on the account is in XX/XX/XXXX. The account balance both XXXX and Equifax are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX XXXX. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe XXXX and Equifax never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.
Product: Credit card or prepaid card

Overzealous and incompetent fraud department targeted a valid charge and was unwilling to take responsibility, leaving card useless. Attempted to charge {$140.00} on a Citi Mastercard on XX/XX/18 and it was declined. The customer service rep was unable to explain their rationale. The card was in good standing ( actually a negative balance ) with no previous problems. The fraud department was unable to help and seemed insistent that I have a second phone number, which is a ridiculous notion. Upon second try, the fraud department again was unable to do anything or to connect me with a supervisor.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified two reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name : XXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

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

I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

The repeated occurrence of fraudulent activities reflects poorly on your company 's integrity and competence in handling sensitive financial matters. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
XXXX appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. With this, I am asking for your assistance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX