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

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statement showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Checking or savings account

Chase bank closed my business account and have with held the balance of the account in access of 3 years. I contacted them asking them to return my money and they refused. They insist it is not my money however they withdrew money from the account to pay my over draft fees. If it is not my money i can not understand why they can withdraw money from the account and i can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary.

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to XXXX, Experian & XXXX. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today is/XX/XX/XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!
Product: Debt collection

National Credit Systems INC I have received all of the documents from National Credit Systems INC regarding an account that has shown up on my credit report. 

Attached are discrepancies supporting my observations. 

In accordance with the Fair Credit Reporting Act ( FCRA ), consumers have the right to review their credit reports transparently, protecting them from inaccurate reporting and unfair debt collection practices. 

XXXX. Discrepancy in Dates : Conflicting dates between the Security Deposit statement and the signed Apartment Lease agreement raise doubts and may violate consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. Clarification is necessary for fair treatment.

2. Discrepancy in Amount : National Credit Systems provided inaccurate debt information, potentially violating the FDCPA. Fees imposed should be lawful and disclosed, as per Section 808 of the FDCPA. The discrepancy in charges must be addressed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and demand immediate rectification in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts are inaccurately reported on my credit report : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX I want to emphasize that I did not open these accounts, and they are a result of fraudulent activity. 

These inaccuracies are clear violations of the FCRA, which mandates that credit bureaus ensure the accuracy of information included in credit reports. Specifically, the FCRA ( 15 U.S. Code 1681i ) requires credit reporting agencies to investigate and correct inaccurate information within 30 days of receiving a dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) requires debt collectors to provide validation of debts and allows consumers to dispute debts that are not valid. I have disputed the validity of these debts, and the information remains incorrect on my credit report. 

Furthermore, the Identity Theft and Assumption Deterrence Act ( ITADA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide protections for victims of identity theft, including the right to place fraud alerts and to have inaccurate information resulting from identity theft corrected.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX convergent account # XXXX, has violated my rights. 

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 account without my written permission. 

Reporting a late payment on credit report. 
Account # XXXX was also being review cause of the changes to the account. XXXX XXXX agreed to a new term for my loan and I have to cover the month of XXXX first in order to do so. I attached files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account number XXXX XXXX  has violated my rights. 

15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX XXXX credit card collection agency-NKG settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. 
Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by XXXX XXXX XXXX firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX XXXX a total amount of {$12.00}, XXXX was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of  {$80.00}. since XX/XX/XXXX after the final payment was made i called NKG office many times and requested a zero balance letter, refund of my excess payamnet, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called NKG debit collector and emailed them several times more than 20 times with the attached settlement agreement sent by NKG and the total amount of payment made to the new debit collector. 

XXXX sent me a credit report which states that there is one negative report on my report. I disputed it with XXXX. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. XXXX XXXX CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. 

I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by XXXX XXXX is severely affecting my mortgage loan application. 

I humbly request the CFPB staff to take immediate action and order XXXX XXXX to remove the inaccurate credit reporting. 

see attached files from XXXX  report on XXXX XXXX CC and supporting evidence that I have paid the loan as per settlement agreement. 
XXXX one must report as XXXX balance. 

thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. 

thankyou XXXX XXXX
Product: Student loan

I have a large amount of private student loans through XXXX now Navient - which i did n't submit for each year that they say i did. Now because i have a very large amount of private loans i ca n't afford to make the payments and have tried working out several payment plans with the loan administrator and have been unsuccessful. I did have an arrangement set up for interest only payments for about 3 years which was affordable but obviously not paying down any of the principal. Today, Navient automatically withdrew {$850.00} from my account with no notification. I tried to negotiate with them for an income based payment but they insist that they have no such program. I simply ca n't afford those payments. I will happily pay what I owe, however, that amount is absolutely not something I can afford. I called them promptly and they said that the only program I 'm eligible for is an EXTENDED payment plan, payments of $ XXXX - a little more workable which puts me not paying off my loans until XXXX at which time, I 'll most likely be DECEASED! I have begged them to put me on some sort of income based repayment program which they refuse to do. There are various reasons why I 'm in financial trouble. XXXX being that I was sick and out of work for 4 years with no insurance and just recently received a social security settlement for back pay for that time. I used all my deferment time during that period. I have since returned to work and ABSOLUTELY ca n't afford the options they 're giving me. If they do n't work with me, I will be forced to file for bankruptcy.
Product: Credit reporting or other personal consumer reports

To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX for their practices in general and in specific with mortgageassistance
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, I had a positive available balance of over {$290.00}, prior to the following items becoming pending on my account : 1. {$42.00} - Restaraunt charge 2. {$25.00} - XXXX XXXX XXXX. {$32.00} - XXXX 4. {$35.00} - XXXX XXXX XXXX. {$5.00} All of these transactions extracted from my available balance on XX/XX/XXXX. However, when my direct deposit posted on today for XXXX, my available balance was showing {$3000.00}, which is incorrect because the account was only -XXXX on the evening of XX/XX/XXXX around XXXX because I checked my account during that time. Therefore, I believe I was double-charged on the transactions listed above and this is not the 1st time I have seen my account off with Wells Fargo. There have also been problems with debit transactions almost every other Friday on Payday for some reason. Are they taking my money in the backend Systems. I believe there something is going on with how Pending Transactions are initially debited from your available balance and then later debited again when it Posts such as in this case. These transactions were reduced my available balance on XX/XX/XXXX and should not have reduced my balance again when my Direct Deposit came through this morning for {$3200.00}. 

What is really going on here? There should be real-time accountability and True transparency along with a timestamp on each and every transaction which happens on anyones account and also during batch processing to properly reconcile your systems to ensure your programming software is not stealing from customers. This is a problem and we requesting our monies back for the above transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX credit bureaus have allowed an unscrupulous original creditor, XXXX, to get around the law regarding reappearing items on my credit report after deletion.XXXX XXXX XXXX, as an agent of XXXX, account number XXXX has appeared on my reports after being removed by the second agent for XXXX, XXXX XXXX, account number XXXX which was removed by XXXX 's second agent on XX/XX/2018.I HAVE ATTACHED THAT CFPB INVESTIGATION AND COMPLAINT WITH RELIEF GRANTED.IT IS UNETHICAL AND ILLEGAL FOR THE BUREAUS TO ALLOW THE SAME DEBT OWNER TO APPEAR ON A CREDIT REPORT BY DIFFERENT AGENTS AFTER DELETION OR REMOVAL AS RELIEF GRANTED BY THEIR AGENT.
Product: Debt collection

XXXX XXXX a collections account was opened. XXXX XXXX is the original creditor. Jefferson Capital System is the debt collector. The total debt is XXXX dollars. I have no knowledge of this account until it appeared on my XXXX XXXX  account. When I went to the 3 credit bureaus to file a dispute the collections account already damaged my credit. My credit had previously been affected by XXXX XXXX before for the same charge back in XXXX If you could please remove this collections account from my record and prevent XXXX from doing this again. Ive never had an account with XXXX so I dont know how they got my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan is missing from my XXXX and Experian credit report. It was previously being reported but when I last pulled my credit report it was missing. I contacted my mortgage lender and was informed that it is being reported correctly. ( it is also being reported correctly on my XXXX report ). I sent a dispute letter along with my identification, a copy of my mortgage statement and XXXX statement to both credit bureaus. This has been going on for a year and it is still not correct on my reports and it is lowering my score.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of old addresses on my credit report and it is compromising my identity.
Product: Student loan

Requested refund on XX/XX/25, and there is no update. I've tried calling and emailing numerous times, but I have not gotten updates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things that were not correct. I sent a letter to XXXX on XX/XX/year> IT HAS been more than 35 days, XXXX still hasn't responded to my letter. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( 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 lo 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.

I want the CEPB to publish this description on consumerfinance.gov so Delete ALL accounts immediately because it is a volitation of 15USC. 1681i ( a ) ( 1 ) ( A )
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX. XXXX XXXX, Experian, and XXXX is reporting inaccurate personal information on my credit report. There are names and addresses that no longer relate to me. My only name and address is XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other names and addresses must be deleted from my credit report and file because it causes confusion to persons viewing my credit report for the purposes of obtaining new credit. I have attached my Driver 's License as proof which shows my correct name and address.
Product: Credit reporting or other personal consumer reports

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Experian Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Experian Repeatedly failed to provide an option for me to dispute the incorrect personal information onLine, thus costing me additional money ( paper, ink, mailing fee, postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Experian Report Number XXXX XXXX Under ALSO KNOWN AS XXXX XXXX - In -accurate - Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name I XXXX XXXX In -accurate Experian refused to Delete , Failed to clearly and accurately report my name Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX In -accurate - Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX XXXX XXXX XXXX XXXX In -accurate - Experian refused to Delete XXXX Failed to clearly and accurately report my name Experian response to my phone and email disputes : Since names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors. 

****Please Remove this Inaccurate information as being in Dispute from my credit report Immediately Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

Idont believe this debt is valid and status was open. This should be deleted in my credit report