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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX : Inquiries : XXXX XX/XX/2022 Experian : Inquiries : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have noticed incorrect information on my credit report, which falls under the rules of 15 USC 16c-2. The details are inaccurate and negatively impacting my credit rating. Since I didnt authorize these inquiries,
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report filed in connection with this identity theft.

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I proactively changed my payment due date online from the XXXX to the XXXX, considering the 30-day grace period, in good faith after consulting an XXXX XXXX representative about aligning it with my new income schedule. However, in XX/XX/XXXX, a late payment was reported to credit bureaus. When I contacted XXXX XXXX, a different representative informed me that due dates can not be changed online and must be processed directly through XXXX XXXX as an approved extension. As a result of this miscommunication, a late payment was reported despite my consistent payment history on the XXXX of each month, as shown on Experian, XXXX, and my bank records, since I began my lease on XX/XX/XXXX, up until the change in XXXX. 

Since then, I have contacted XXXX XXXX multiple times, including an email on XX/XX/XXXX, requesting an accurate update to my credit report. On XX/XX/XXXX, I received a letter by mail from XXXX affirming their reporting as 30 days past due for XX/XX/XXXX. That same day, I filed a dispute with Experian and contacted XXXX again to request correction of the inaccuracy. On XX/XX/XXXX, Experian displayed, " Your original Dispute was Modified, '' and on XX/XX/XXXX, " Completed investigation of FCRA dispute - consumer disagrees. ''
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and Iam making this complaint against Telerecovery for committing identity theft. I have never given Telerecovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im demanding a cease and desist of illegal activity, any alleged debts until Telerecovery can provide me with sufficient documentary evidence, such as trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and company continues its collection efforts, I will file for litigation for actual damages caused and Telerecovery will be held liable for aggravated identity theft Pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of documents herein and of this notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Telerecovery # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report
Product: Checking or savings account

I was given a credit on my account then it was removed, causing my account to be overdrawn
Product: Debt collection

Medicredit, Inc. of XXXX XXXX, MO XXXX XXXX recently ( in this month ) reported to the credit bureaux that we had not paid two amounts : {$130.00} and {$1100.00}. We have no knowledge of these billings which are alleged to have occurred in XXXX of 2016 ( more than 3 years ago ). We sent a certified letter to Medicredit requesting documentation and substantiation of the alleged billings but received only a form letter that the company had " determined that the balance on the account is accurate and is ( our ) responsibility. '' It is difficult to say how they would have determined this without contacting us or providing substantiation. They have negatively impacted our credit scores and we feel we can not move forward with a home purchase because it will be priced at a higher rate than is justified by our actual credit history. Previously, we have written to XXXX XXXX four times, including the last time to the Chief Financial Officer of the Company. Neither he nor they ever responded.
Product: Credit card

I received a TD Retail Card for XXXX. I never actually received a card but got credit to buy a watch from XXXX. I could never get online, I mostly paid by phone, one time I did spend the incredible amount of time on hold and finally someone answered and i got online, reset my password and the following month it didn't work again. I thought i had paid it off, but apparently had a small balance i think like {$29.00} and the late fees added up to about {$150.00} or something very ridiculous. I called and paid it and the lady said another {$40.00} late fee was going to hit the next day, but she could waive one and would waive that one. She had to wait for it to hit the system the next day. Here we are a month later I get notified i have a {$40.00} balance, tried to get online -- nope -- tried to call last night. I have screen shots, I spent an hour and 45 minutes on hold. Kinda like i am right now while i type this. Customer service was only open until XXXX -- -that was the hour and 45 minutes, and I hung up at XXXXXXXX XXXX You can't get online, and you can't get anyone on the phone. They have now added another {$29.00} to the account.
Product: Money transfer, virtual currency, or money service

I have been victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds between XXXX and USAA to identifying owner of the XXXX number, I called XXXX and USAA refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to take a civil case. Can you please help trace the funds at USAA so I can recuperate the money back? I can provide transaction details. XXXX XXXX   claims department is XXXX. 

I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX - a XXXX  number ), he said that I can see the apartment once I put down the security deposit of {$900.00}, which was refundable if I do not like the apartment. 

I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, on XX/XX/2020, I ultimately paid the {$900.00} via XXXX at XXXX. He noted that this was his late wife 's account. 

I had requested a tracking number, picture of contents of the envelope, and a photo ID. It's been over 24 hours. He has not provided any of these items. I asked him to return the deposit, but he disappeared. 

On XX/XX/2020, I told both XXXX and USAA that it's a scam and hold the funds immediately, but they did nothing. They also refused to provide any information on the transaction. Under XXXX, there is no ability to reverse the transaction.
Product: Money transfer, virtual currency, or money service

My money was falsely transferred to different accounts that I'm not familiar with.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Experian. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account XXXX : XXXX XXXX Account number : XXXX Late payment reported : XXXX XXXX 1. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violate my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( XXXX ) specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore their dispute process was unfair and deceptive as they do not comply with error resolution requirements under electronic fund act transfer and regulation E. These transactions have caused a significant inconvenience and financial loss and I seek for appropriate redress for this violation
Product: Credit reporting or other personal consumer reports

ACCORDING TO FCRA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY. THANK YOU
Product: Student loan

A company informed me that I was eligible for loan discharge because the college that I graduated from closed, so I called Navient ( my loan holder ) because the other company wanted me to pay {$890.00} to help me. When I called Navient, they said that I am not eligible for any help. I explained that I have been making payments for 11 years now and have not even made a dent in my loans, and the woman on the phone said well you just have to keep paying on them. I asked if it was possible to get any kind of forgiveness or any help at all to pay them back because my degree is not usable because no one accepts my degree from XXXX. It is as if I never went to college at all, and after 11 years I am still drowning in the debt of a degree that is basically trash. I just wanted to find a way to make a dent in these payments and she did n't even want to deal with it. It is very frustrating to not be able to even get help from the company that holds my loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. 
After reviewing my credit history, I have identified the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I hope this message finds you well. I am reaching out urgently to address a grave concern regarding a recently discovered fraudulent account linked to XXXX XXXX. 
Details of the fraudulent account are as follows : - Account Number : XXXX I want to emphasize that I have no affiliation with XXXX XXXX, nor do I recognize the company. 
Given this, I am asserting that the reported account is fraudulent, and I am formally requesting its immediate removal from my credit report. 
Your swift attention to this matter is imperative, and I appreciate your prompt cooperation in rectifying this fraudulent activity on my credit report I filed a dispute concerning a late payment reported by XXXX XXXX XXXX , citing it as credit consumer fraud. I have XXXX accounts with them : one is paid and closed, and the other has a balance of {$380.00} remaining. Account XXXX, which is not closed, was reported late for XXXX due to a billing error. I have documentation from XXXX XXXX confirming this error and stating they will notify all XXXX credit bureaus, although it may take up to XXXX days. Despite disputing it myself, my credit report still shows a XXXX mark from XXXX by the same institution. 

In addition to disputing the late payment reported by XXXX XXXX XXXX , I have also disputed an account with XXXX XXXX. Last updated by the bureau on XX/XX/XXXX, this account shows a balance of {$0.00}, available credit of {$200.00}, and a minimum payment of {$0.00}. It was opened in XXXX 2021 ( XXXX years ago ) as a fraudulent account, which has since been removed from my XXXX credit report. Despite this, it still appears as an open account. This is another instance of incorrect credit reporting, which violates consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you because I have had continuous problems with XXXX TransUnion and XXXX  putting inaccurate information on my credit reports. I am XXXX and also have a XXXX child and this is causing a tremendous strain on my life and also the welfare of my childs life. Please make these companies remove the inaccurate information because it is fraudulent and does not belong to me so I want it removed off my credit reports at once. First I would like the following hard inquiries removed because they are fraudulent and do not belong to me XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX I want this removed from all my credit reports at once because this does not belong to me it is fraud, I also would like removed XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - All Banks I want this removed right away because this is fraudulent and I did not apply for this I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION AND XXXX ARE SHOWING LATE PAYMENTS ON MY XXXX XXXX ACCOUNT WHICH WAS CORRECTED BY XXXX XXXX AND UPDATED INFORMATION WAS SENT OUT TO BOTH BUREAUS. THESE LATE PAYMENTS MUST BE UPDATED AND CORRECTED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXXXXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Debt collection

When we closed the account I asked by total balance to be paid. I did pay them the total amount. Later, they come back with a new balance due. I told them that I already had talked to someone else about it and paid them. I gave them the name of the people who I spoke with and asked them to check their notes. Then, they said that they will remove the new charges. Months later, I got a letter from a collection company. I had to pay them again the same debt so they could report it to the credit report.
Product: Debt collection

Amount : {$2200.00} Account : Elan Financial Services. i am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows. Date of birth XXXX SSN : XXXX. As proof of my identity, I have included copies of my identification social security number. If you are unable to verify the account with the original contract, the information should be removed from my credit report. Remove the fraudulent account Elan Financial Services.