23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX account XXXX disputed as inaccurate dispute came back as nothing will deleted or changed infact i filed a complaint with the cfpb and nothing was changed in the photo docs below u will see all the inaccurate reporting from the three credit bureos, ive marked the discrepancy between all three bureos XXXX reports a collection account as open with monthly terms like a credit card and reports it late monthly so it re ages account to be more damaging i have no contract with this account with anyone ..the accounts .amounts, dates and statis are all diffrent
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020 while making a payment online, somehow ( I did not request this ) my account was switched to estatements. I dont do estatements. This problem occurred with XXXX on more than one occasion. 

During XXXX of the same year I asked to no longer receive phone calls or text messages for my account. I work in XXXX as does my wife and we are stressed out enough. I did not, however opt out of communication in writing just like I did not opt out of receiving paper statements. I reversed this immediately when I discovered their notes were inaccurate and did not reflect my discussion. Its illogical, I mean, WHY would I not want some form of communication? 

When I was switched to estatements ( which went to an email address that I had not updated or use any longer due to the amount of spam ), I did not receive bills for XXXX, XXXX, XXXX or XXXX. I only discovered this when my other credit card company reduced my credit limit and I found out I had a negative credit report. I contacted XXXX and found out the problem in XXXX. 

I immediately contacted XXXX as they had cancelled one of my cards AND the other continued to be past due. Now I continued to work through the pandemic. I sent them a copy of my XXXX report that showed ALL of my obligations were current, up-to-date and none were ever part due. I was told on two separate occasions by a rep of XXXX that they would put in a request to have the original decision amended or reversed. 

I also pointed out that I would have asked for the forbearance they were offering They never did the follow up when they denied this despite the circumstances. Additionally, when I spoke to them at the beginning of XX/XX/XXXX that they indicated that I could appeal that decision by writing to the Office of The President. I found out when I called them. They did not send me ANYTHING in writing as requested. 

After having told me on three separate occasions that they could amend the info to XXXX I was told today by a different rep that they couldnt do it and it was up to XXXX. I was then told by an upper manager that they could indeed reverse it even though they had rejected the request twiceeven with ALL the documentation. I am hoping the third request will make a difference but I doubt it. 

Communication is awful within this company especially during a pandemic AND my wife and I being in XXXX  dealing with XXXX. I have had stellar credit for a decade. I have carefully built that up. I have paid bills even when I lost jobs or was furloughed ( not this year though as we continued to be employed ). I have come everything I can. From notes that dont accurately reflect our discussion, to no communication, this has been a nightmare on top of the pandemic. It has permanently damaged my credit ; it has permanently damaged me in addition to everything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, this company has been reporting me " 30 Days Late '' to the credit reporting agencies. This started in XX/XX/XXXX. They never sent me a notice of the issue at hand. Instead, they just started reporting me without notification. This is in violation of the Federal Credit Reporting Act. I've sent numerous letters with no written response from the company. I've filed complaints with : XXXX, CFPB, CALIF. State Attorney General in XXXX. This company rescinded all previous actions with no penalties issued. They again started reporting me " 30 Days Late '' in XX/XX/XXXX. On XX/XX/XXXX, I received a Credit Alert from my monitoring service to report an illegal report. I reviewed my credit file and I noticed this company reported me : " DELINQUENT. '' I had not received my statement for the XXXX payment which was due on XX/XX/XXXX. I received the statement on XX/XX/XXXX. 
I have complained to your company in XXXX, and in XXXX. Your agency failed to produce any action or issue any penalties. I am again filing another complaint with your agency in the hopes of some positive action be taken. This company needs to be assessed penalties and fines and I should be compensated for the stress and anxiety I've encountered.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an additional name on my report from XXXX  that isn't me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX Please cease the reporting and delete this account
Product: Debt collection

I received a call from this company that left me a voicemail on XXXX/XXXX/2015 stating that they needed to verify my address to be served official court documents. I called the company back at XXXX, spoke with XXXX asked him to send me documentation thru the mail and cease contact until I have had a chance to dispute the account he told me that it does not work that way and that I will continue receiving calls thru the automated dialer until my account was paid. I requested his company info and he would not release that information to me and continued to harass me stating that I need to pay the bill and that they did n't have to send verification and he hung up on me once the conversation got heated. 
XXXX/XXXX/2015 @ XXXX received another voicemail from the auto dialer called the office again spoke with XXXX XXXX requesting my number be removed from the account he transferred me XXXX time and both time I was hung up on, called back a XXXX XXXX time spoke with XXXX XXXX he explained that they sent documentation the XX/XX/XXXX I told him I have not received anything and he needed to send it out again for me to dispute he then stated that I was just using a delay tactic and need to pay the bill I again asked that he no longer contact me and that I was filing a complaint he hung up on me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent Experian, XXXX and XXXX all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to Experian, XXXX and XXXX and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
XXXX : XXXX. XXXX XXXX A/C # XXXX XXXX XXXX  XXXX  A/C XXXX XXXX XXXX A/C # XXXX XXXX. XXXX  inquiry on XX/XX/XXXX XXXX : XXXX. XXXX XXXX A/C # XXXX XXXX A/C # XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX XXXX. XXXX  inquiry on XX/XX/XXXX XXXX. XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) inquiry on XX/XX/XXXX Experian : XXXX. XXXX XXXX A/C # XXXX XXXX A/C # XXXX XXXX. XXXX inquiry on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the Correction Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX Balance Owed : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a deletion letter. I have contacted the credit bureau whose report has incorrect information. 

This account was paid in full with the original creditor, thus making this account status incorrect. This is to be removed from my credit and a deletion letter sent immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 previous addresses that don't belong to me
Product: Checking or savings account

First I filed a dispute which took members resolution team 2 months and a hand written letter to headquarters for a response. I saw fradulent charges recieved a credit then six months later they USAA reversed the claim. When I saw this I called and they told me to send police report which said my WALLET was stolen, in the police report and they wanted a letter from XXXX XXXX as well. It was several months before I noticed this because my mother had a XXXX and one of the USAA RESOLUTION MEMBERS ( XXXX ) who took three weeks to call after I sent numerous voicemails, talked to numerous reps who told me to submit documents which they ignored for months. Police report, XXXX XXXX XXXX, and VA letter letting USAA know my direct deposit was sent mistakenly. XXXX awareness month was last month but it seems like predatory lending is being displayed at USAA. Two months they took my direct deposit and gave me the run around. XXXX XXXX why take the only income I have because now IM EVICTED because I missed rent for two months straight and I take care of my XXXX mother. Also, when he asked why it took so long to report the fradulent charges it was because my mother had a XXXX  XXXX so is he calling me a liar or is he being insensitive of my XXXX  XXXX? Some people dont see fraudulent charges for years so why is mine such a big deal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Was never sent a letter of owning or owing said debt until it was seen on credit report. Sent for debt verification and no response was received. No communication from this company/individual.
Product: Student loan

My student loan lender is not applying my payment to the loan but only applying it to the interest.     Originally, my student loan was with  XXXX   XXXX  and now it is with Navient. The original problem was while I was in school they would immediately start to ask for payment during breaks and add interest even though I was in school. They never removed the erroneous interest. But now the issue is that none of my payments are being applied to the loan and are only going to interest. That means I will never be able to pay off this loan. When I contacted Navient, they said something about daily compound interest and that I should pay more than the note and that would be applied. That seems illegal to me.     I am finally back at a point in my life were I actually have a steady job and can make payments. When I was unemployed and broke there was no help anywhere. I tried to get a loan modification and was denied. While the loan was on deferment  XXXX   XXXX /Navient would constantly drop it out of deferment and place it on forbearance so they could add interest. And they would not remove the interest they added again erroneously. I now know all this is predatory lending. These so called clerical errors are n't errors at all but a way to steal from the customers.      XXXX  's education did not help me at all. All it did was put me in debt that is impossible to pay. I work in an industry totally different from these loans that I owe.     I am a  XXXX   XXXX   XXXX  Veteran and feel like my country has abandon me. Can you please help me with this?
Product: Credit card

Throughout the history of this account, I've consistently made sure payments are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have filed several disputes with all three credit bureaus in addition to each collection agency in which reported information on my credit reports. I have since been denied housing for such information on paid debts. I have attempted several times to contact not only this office via online complaints, phone and now by mail. Please accept the following documents in efforts to get these cases resolved within the next 5 ( calendar days ) due to the amount of time in which it has been since I have filed my first dispute. 

I am disputing the following companies : XXXX XXXX names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
Experian - Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. Reporting debt in one month, then removing it, then placing it back on the credit report of a different amount ( per the collection agency- no validation of records has taken place ) XXXX - XXXXncorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
XXXX XXXX XXXX accepting payment and not updating credit bureaus of deletion per corresponding letter XXXX XXXX XXXX - accepting letter with proof of payment and not updating credit bureaus of deletion per corresponding letter National Credit Systems Accepting letter, emails and phone calls in reference to a paid debt. Company is refusing to delete account when proof has been provided on several occasions. Phone calls, emails and disputes are going unanswered. No deletion, and updated credit report of a paid debt, and will not return overpayment. 

I am currently in the process of purchasing my first home for my family. It would be a kind gesture if you could grant me the deletion of this negative reportings and make goodwill in removing the account in full off all credit reports. 

Thank you for your consideration, and I hope that you will approve my request. 

Sincerely, XXXX XXXX XXXX included Current open complaints XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Closed, no useful feedback provided to make a clear decision XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Mistakenly filed and company needs to be deleted XXXX filed XX/XX/22 company will not return phone call, updated credit reports with falsified information. 
XXXX filed XX/XX/22 Owner of XXXX XXXX XXXX that hired XXXX XXXX XXXX XXXX XXXX to file and approved reporting incorrect and false information to credit bureau XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( FIPPs ), 15 USC 1681 and 15 USC 1692 et seq.. 


XXXX  Account # 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 BUSINESS ACCOUNT CAN NOT BE ON PERSONAL CREDIT REPORT AS PER TITLE 15 USC 1681, THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S.C. 1681 section 602 A states tthat I ahve a right to privacy.

15 U.S.C. 1681 section 604 a Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instrutions. I have NOT given permission or written instruction to furnish an account.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of informantion ; Any other adverse item of information, other thatn records of convictions of crimes which antendates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Product: Checking or savings account

My debit card was stolen by someone I knew who did not live with me on XX/XX/XXXX. I did not know, but this person was stole my card out of my car twice and used it at an ATM and multiple stores. I called Capital One as soon as I noticed it on XX/XX/XXXX, within minutes of the last transaction. Over almost a month, about {$3000.00} was stolen from my account. When I called capital one, I had no idea what was going on and told them I was not sure what had happened. I later found out who had stolen the card and reported it to the police. This person is a known con artist, has elicited money from many people for fraudulent charities, and has active warrants for stealing money and other things from other people who he comes in contact with. Capital one never asked me for any more information, they just denied my claim. I called to ask them how to re-open it, and at least 3 different employees told me they could not talk about it, and there was no way I could re-open the claim. My capital one debit card and credit card information were stolen ( not the cards because I still had them ) on XX/XX/XXXX and charged multiple times. I woke up in the morning to an alert from capital one asking if I had made one of the purchases, and I said it did not. These charges were {$400.00}. There were more on the credit card, but those were removed very quickly. Capital one let all of the transactions go through and would not allow me to dispute the ones on my debit card account until they cleared. They also refused to give me any information about the transactions and told me I would have to call the police for that information. They did not credit my account with the " provisional '' credits for several days. Meanwhile, my automatic withdrawal from the mortgage company had been denied, but I never got an alert or anything about this from capital one. I called them to tell them I had been charged an NSF fee, and capital one said they would not cover it because only the debit card had been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit card

I got cerulean credit card I thought the fees were XXXX a year not XXXX plus XXXX a month and XXXX varies interest on unpaid balance. This is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA 's. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

There are address that I do not recognize.There are Different variations of my name that are not mine. 

My only legal name is XXXX 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 trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.