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

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal informations that does not belong to me.I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureaus block or delete any accounts listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
INACCURATE NAME : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX EMPLOYER : XXXX XXXX XXXX XXXXN Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Debt collection

Action Financial Services refuses to contact me in writing by email or post. Instead, they keep calling me and demanding different documentation. I have sent them everything I have at present. I would like to enter loan rehabilitation but they seem to be delaying the process. They will not provide me with any written information about what I owe and what documentation they require for me to begin the rehabilitation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy but I still have the account appearing on my credit report because Upstart changed something in their system about the account although it is the same debt. 
The account is closed and show bankruptcy not charge-off or be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable  procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XX/XX/XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XX/XX/XXXX ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Product: Money transfer, virtual currency, or money service

I tried to dispute multiple random and unauthorized charges to my cash app card but wasnt done anything about
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of secured credit cards on credit reports and the negative impact it has on access to credit and credit scores. I believe this issue needs to be addressed to ensure fair and equal opportunities for individuals located in underserved and underresourced communities seeking ways to build and or rebuild their credit. As an individual who has utilized a secured credit card to build credit history, I have noticed that the reporting of this type of credit card on my credit report is having a marginalizing effect. Despite making payment in full utilizing my own funds, the presence of a secured credit card on my report seems to have a negative impact on my overall creditworthiness. Upon reviewing laws and regulations related to credit reporting, I have learned that the Fair Credit Reporting Act ( FCRA ) governs the collection, accuracy, and reporting of consumer credit information. However, there appears to be a gap in the regulations regarding the treatment of secured credit cards on credit reports and the CFPB priorities anchored in your XXXX XXXX Report to propel XXXX Orders XXXX and XXXX. I believe that the current reporting practices regarding secured credit cards are disproportionately affecting individuals who rely on these cards to establish credit. This marginalization could hinder their access to other credit opportunities, such as loans, mortgages, and even employment prospects. Additionally, the negative impact on credit scores can further perpetuate a cycle of limited credit access and financial inequality. At present the XXXX Summary date XX/XX/year>, from XXXX documents I owe in excess of XXXX to Chime which is incorrect. I kindly request that the Consumer Financial Protection Bureau investigate this matter as this account is Paid in Full. I request for CFPB to consider implementing regulations or guidelines to address the reporting practices associated with secured credit cards. The goal should be to ensure that individuals located in underserved and underresourced communities who responsibly utilize these cards are not unduly penalized or marginalized in the credit evaluation process by creditors and that it does not negatively impact their ability to access credit due to these reporting errors particularly if accounts are Paid in Full. I appreciate the important work the Consumer Financial Protection Bureau does in safeguarding consumer rights, and I trust that this matter will be given the attention it deserves.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear EXPERIAN, This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sincerely, XXXX XXXX XXXX
Product: Student loan

I have a loan with SALLIE MAE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SALLIE MAE with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled two of my delinquent Barclay credit card accounts with a XXXX XXXX XXXX XXXX in Virginia. One account was settled on XX/XX/2019, and the other on XX/XX/2019. Since the settlement, the status of my credit report has read that the debt has been satisfied for less than the full balance. On XX/XX/19, my credit score dropped dramatically as Barclays is currently reporting that one of the accounts, that had been settled, is now behind and that I owe a balance of {$5300.00} dollars. This is inaccurate. This reporting is only showing up on my XXXX report and not with the other credit bureaus. Time is of the essence as I am looking to purchase a new home and this recent ding on my report will put the process in jeopardy. As the delinquent accounts were just recently settled, I am not sure why Barclays is now reporting the account with a balance owed with a failure to pay.
Product: Money transfer, virtual currency, or money service

Someone tried to open a Paypal account using my ID information. It was not approved based on Risk of Invalid identity. I called the Company to let them know. They said it was not approved anyway. My reference number for the letter that I received is XXXX is from Paypal dated XXXX 

I put a Credit Freeze on my three Credit Reports and also have a I have an identity Protection service. 

On XX/XX/2020 I received a paypal cash card for me to activate it. 

I really believe that Paypal is doing the Scamming. When I call them it direct me to put in the card number with my SSN.
Product: Student loan

I have requested multiple times to Navient for documentation proving that they own my ex-stepdaughters loan, and also proof that I co-signed for that loan. 
I have not received any of the information that I have requested. The first request was over two ( 2 ) months ago. 
The phone harrassment also continues.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

there are so many addresses on my credit report is not accurate and inquires the address is as folllow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to Credit Bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  XXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a account with the store called Tire Agent on XX/XX/2023 and got approved with an account with the finance company name kornerstone credit and I was finishing up the contract and when I got to last page it had the wrong physical address and I had did not complete the contract until I talked to XXXX credit about changing the address on XXXX  XX/XX/2023 and I asked the representative did I have to re-apply and she said once approved I didn't have to re-apply again so I was hoping that that could correct the papers before I signed the contract but they come on Tuesday XX/XX/2023 and said I had to re-apply because the computer lost my paperwork and I know that was not right because it was something they could have did without me applying all over again so please look into this because they ain't doing me right about the account they approved me already.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I was not late with Barclays XXXX XX/XX/2020. 
2. I was not late with XXXX XXXX XXXX XX/XX/2020. 
I send all three credit report agencies copies of my bank statement Showing paid.
Product: Mortgage

Applied for a Mortgage ReFi in XX/XX/2021 with New American Funding and authorized an initial Hard Inquiry on my Credit Report. 

Because of their incessant delays in processing this Mortgage, they proceeded with a second, completely unauthorized Hard Inquiry on my credit report approximately 4-months later. 

Literally the only reason I did not fire this company is because I did not want a second hard inquiry on my credit report. If I was to authorize a second hard inquiry for the same loan, I would have found another lender. 

Name of Company : New American Funding Date of First Inquiry : XX/XX/2021 Date of Second Un-Authorized Inquiry : XX/XX/2021 2021
Product: Student loan

My loan servicer is Mohela, I have been getting emails that my pslf will not qualify, and that I have a deferment placed on my account not by my request and this has happened more than a few times, I have always requested to be taken out. I have been trying to get in contact with them for over 3 months and have not been able to get through, I request a call back and do not get one. When I talk to someone they tell me that I need to talk to someone else about getting the deferment taken off and I am once again placed on a long 2 hour hold and I speak to no one, this has been going on for months. I now find out that my pslf is totally messed up because of this and I have months of payments and qualifications from my employer that will not qualify because of this deferment that I did not request. the fact that the federal government can put my loans into a deferment without my knowledge or agreement and XXXX XXXX  my pslf is not acceptable. I have paid my payments and always turned in my documents for the 10 years like I am supposed to to qualify for my pslf.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Collection
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report shows two credit inquiry/inquiries that I did not authorize. I submitted the the request to Experian, with an attached FTC report.
Product: Debt collection

On XX/XX/XXXX I went to XXXX XXXX XXXX to get tested for XXXX. The hospital had a tent outside their emergency entrance where patients can come in to get tested. After I filled out my information such as name, address, social security number, I was visited by a female doctor who tested me with a swab in my nose. She said within 2-3 days I will get the results by a call from the hospital. 
After waiting for 4 days and not getting any calls, I went to the same location to ask about my results. The security guard said the only way I can get the results is by calling the hospital and he provided me with the phone number. I called at least 5 times and either the male receptionist would ask me to hold which I did for almost 15 minutes or I would get disconnected. So I never got my test result and I gave up. 
Few weeks ago and today, XX/XX/21, I received a call from phone number XXXX XXXX XXXX which is a collection agency telling me that I owe the XXXX XXXX {$180.00} for the test. I told the lady that they didn't even provide me with the results. She said she will note the file. This happened on the first call. Today 's call was automated asking me to pay the {$180.00}. 
Finally, even though I provided the hospital my correct home address, they had sent the bill to my previous address which is at my sister 's. She called me saying I had a bill from the hospital.
Product: Debt collection

Follow up complaint to XXXX filed XX/XX/XXXX : Original complaint text : " I've recieved two letters from collection agency National Credit Adjusters ( 1st dated XX/XX/XXXX, 2nd one dated XX/XX/XXXX ). Both letters were a general debt collection settlement offer. Letters did not include correct information as required from FCRA. I responded to both of the letters ( sent via USPS certified mail ) with a debt verification request. I never heard a response back but company has continued attempting to collect reported debt in violation of FCRA. I've attached letters and proof of delivery. '' Response from company did not include debt verification items as requested : Documentation showing you have verified that I am responsible for this debt. 
Documentation showing you have purchased this reported debt. 
Documentation showing you are licensed to collect debts in California. 

Additionally the letter from the response by XXXX XXXX XXXX, XXXX. did not include the correct spelling of my name. In fact was spelled differently each time listed. This is creating additional questions into the legitimacy of this company/debt. 

Furthermore this letter still did not inform me I could or how to properly dispute the reported debt and is yet another violation of FCRA. 

I'm also requesting contact information for the agent for service of process. To include physical office location and normal working hours. 

I'm once again requesting this account be closed and removed from my credit report asap. The continued violations of my rights under FCRA is causing great harm to my well being.
Product: Vehicle loan or lease

I have a well established record with the lessor ; this is my second lease with them. My payments are made automatically through my Bank 's Bill Paying Service - always on the same day, always on time. In XXXX, 2021, the lease payments increased by {$2.00} per month. I did not become aware of the change until a call from the lessor, in early XXXX. The employee who called me was congenial and understanding ; I immediately paid the difference and corrected my banking records to fix the small shortfall. But I never expected what came next - a notification from my Bank that my credit rating had been downgraded significantly. I called the lessor - after many years of perfect payment record, I expected they would understand my position that payment was made, but I neglected to include the additional {$2.00} until it was brought to my attention. Their response was positive at first, but according to XXXX, the lessor insists the entire payment was late. As a result, my credit rating has been harmed and with the car lease expiring soon, I will no doubt face a rate increase with the next vehicle. I am in my late XXXX 's, and although I read all my emails, I readily admit do not keep with all the promotions that show up on my in box ; many are for burial services, anyway.
Product: Credit reporting or other personal consumer reports

At this point the laziness and lack of consideration is because so apparent that there is no possible way for claims of disputes being justified to ever been deeper accurate or at FCRA standard. The attached credit report shows NO NEGATIVE REMARKS. As there should be none on my report. When asked to dispute issues company continues to say they are complying with FCRA standards Company should explain why exactly standard allows them to manipulate and continue posting outdated and inaccurate information on behalf of creditors. Company should explain how they review a legal credit report thats 100 % accurate the year of 2025 and found they made no mistakes. 

Why Im being told to trust a company that is being sued for false data while continuing to provide false data is insane. 

Follow XXXX Role and rule legal credit reports.
Product: Credit card or prepaid card

For over the past several years my personal information has been dumped on the dark web and the internet. Over 1000 cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. 
I have spend the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. 
The creditor needs to respond within 30 days to requests.