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

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX  XXXX XXXX, XXXX XXXX ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand these payments be updated to paid on time immediately. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a collection account was placed on my credit report for an account previously paid in full. I disputed and submitted the proof in XX/XX/XXXX that the balance of {$1000.00} was paid on XXXXXX/XX/XXXX. And received and email on XX/XX/XXXX saying my new balance owed is XXXX. And it's still sitting on my credit report. The account information below : Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XXXXXX/XX/XXXX Status Collection account. {$1.00}, XXXX
Product: Credit reporting or other personal consumer reports

This account was not opened by me someone used my info to commit fraud with my information!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a dispute with Experian on account through there app which is my right as a consumer I get a reply in three days saying account is not on credit report I have a screenshot of the message that I will attach to this complaint but report has the account closed but negative it is visible
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$17000.00} ]. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. 
The debt is not mine. 
The debt was incurred due to fraud or identity theft. 

I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. 
The name of the original creditor. 
An explanation of how to obtain verification of the debt. 
A statement that I have the right to dispute the debt in writing within 30 days. 
I further demand that you issue me a Form 1099-C within 10 days of the date of this letter. A Form 1099-C is required by the IRS to report the cancellation of debt income, which may have tax implications for me.

Failure to comply with my requests and the requirements of the FDCPA within 10 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws. Identity theft report and FTC report is attached.
Product: Checking or savings account

On or around XX/XX/XXXX of XXXX, I viewed an offer for Citi bank to open a checking account and receive an account opening bonus of {$300.00}. I opened the account on XX/XX/XXXX of XXXX, and set up direct deposit to ensure that I met the {$1500.00} direct deposit within 90 days. On or around XX/XX/XXXX I attempted to log into my online banking and was unable to. I called Citi customer service and they instructed me to re-register for an online account. I was able to log in and see my accounts. On or around XX/XX/XXXX I attempted to check the status of the {$300.00} bonus since the {$1500.00} had been met. I was unable to log into my online account. I called customer service and was told a new card was being mailed to me. On XX/XX/XXXX of XXXX, I received a letter from Citi letting me know that " pursuant to a recent review, it has been determined that we can no longer service your account ending in XXXX and your other related Citibank accounts ''. I called the number on the letter ( XXXX option XXXX, XXXX ) and was transferred to the fraud department where they were unable to answer any questions as to why the account was thought to be a fraudulent account, or whether the {$300.00} bonus would be granted to me. I also have a Citibank Credit Card that was opened in XX/XX/XXXX of XXXX, which I can not access because the online mobile banking log in are tied to each other. I was never contacted by Citibank and their alleged concerns of fraud, and suspect instead that Citibank was fraudulently misrepresented their Opening Offer bonus and is not wanting to honor their promotion.
Product: Debt collection

I called to pay outstanding debt from the hospital that was sent to collections claimed that i owe significantly more i requested information on the debt so i could verify they agreed but never sent the information
Product: Debt collection

Disputed with the company. The company received my disputes, and the latest one mailed and it was sent certified mail and signed for. It has now been over 45 days and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, transunion, and XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX  XXXX Balance : {$5900.00}.
Product: Mortgage

I have an ARM with Nationstar. My anniversary date is in XXXX. My XXXX statement ( i.e. for the payment due XXXX XXXX ) shows my current interest rate indicating that 's the rate through XX/XX/XXXX. The XXXX statement came showing the SAME interest rate with a NEW date of XX/XX/XXXX ; at which point I assumed my rate would remain the same for another year and decided not to pursue a refinance. Then for the XXXX statement ( which I received in the mail on XXXX XXXX ) it shows an interest rate .25 % higher through XX/XX/XXXX. So in XXXX consecutive months they gave me conflicting information, and effectually notified me of a rate increase just 17 days before the new rate would be taking effect. I received no other notices by mail, by e-mail or in the message section of my online account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information Violations of Federal Consumer Protection Laws Dear Experian, I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute. 
3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I found out that someone else opened up a Victoria 's Secret   Angel credit card using my SSN, and neither the company nor the bank that administers its credit card program ( Comenity ) have offered any resolution that would disassociate my SSN from this random person 's account. It's frustrating and unprofessionaland it should be illegal.
Product: Consumer Loan

I purchased appliances from XXXX in XXXX, California. The purchase was financed by Synchrony Bank, which was facilitated by XXXX. The loan was supposed to be 18-month interest free loan, with {$160.00} per month payment. After the first month 's charges were drawn, the remaining balance of {$4400.00} was drawn as single payment on XX/XX/2017 without any prior notification. 

I did not catch this transaction until 1 month later and was a total surprise for me. I 'd like consumerfinance to help me with this issue.
Product: Student loan

I submitted a term-based application request to NelNet through my online account on XX/XX/2023. I received an email stating this application was confirmed, and my payments would change from {$230.00} per month to {$120.00} per month. This email stated my payments would update in XXXX days, and they would let me know when my payment plan would be changed. I had not recieved a response in 30 days, so I resubmitted for this same term-based plan on XX/XX/2023. After still not getting a response, I sent an email on XXXX, XX/XX/2023. In this email, I let them know that I had applied twice for the term-based repayment plan, and my payments have not updated, and my payment date is coming due at the end of XXXX. I recieved a response on Tuesday, XX/XX/2023 from XXXX XXXX stating that they could not help me via email, and that I needed to call and speak with an advisor. I called on Tuesday XX/XX/2023 right after I recieved this email, and was on hold for XXXX hours with no answer. I called again on Wednesday XX/XX/2023, and was on hold again for XXXX hours with no answer. It is impossible to get help from this company or to speak to a representative. They say they can not help you via email, but then do not answer their phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 inq 's on my report with Transunion that I did not authorize or do on my own, I have ID theft and have sent them a notarized fraud affidavit and still they have refused to remove them when the other bureaus have removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experain request that they provide me with " The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with and The documentation used to verify the dispute '' they have not honor the request as they continue to be in Violation of the FDCPA 807. False or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from US BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and US BANK with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREUAS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XXXX  XX/XX/2022, XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX, XXXX XXXX XXXXXX/XX/2022 I DO NOT RECOGNIZE THESE INQUIRES. THE 3 BUREUAS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account u open end consumer credit plan as I purpose.
Product: Money transfer, virtual currency, or money service

Money was sent thru XXXX to the wrong person and I never got it back. Other fraudulent transfers were sent without my permission. I was told it was done and there was nothing that could be done. {$500.00} was XXXX transaction and {$150.00} was another transaction.
Product: Student loan

I have been making payments to XXXX XXXX XXXX. I am qualified for loan forgiveness through the public service program. However, my sevicer continues to charge me over {$600.00} per month in payments. They are telling me this is the only payment I can make to qualify for the forgiveness. At this rate U wont receive any forgiveness I will pay double what my original value was. Furthermore, I have used any extra money I can to pay towards my principal balance.! i have repeatedly asked that they apply all my extra payments that way. Despite this I have discovered they are still applying it as paid ahead and taking interest payments out! After more than a year. I have been paying this amount for 3 years and have paid extra. Thats over {$21000.00}. Yet my balance has Gone down less than {$13000.00}. This is really unacceptable.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consist of a auto loan opened with XXXX XXXX in XXXX XXXX XXXX and a credit card opened with XXXX XXXX in XXXX XXXX XXXX. These accounts have resulted in several fraudulent, hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity, theft and fraud. I have attached a copy of my FTC identity, theft criminal complaint as proof from the US federal trade commission that all of the aforementioned consumer, credit accounts, collections and hard inquiries are the results of identity, theft, and fraud.

I am attaching my FTC Fraud Affidavit, XXXX XXXX Police Fraud Affidavit, a copy of my drivers license and my social security card.

I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, XXXX and Equifax credit reporting agencies block all of the accounts collections and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving said complaint I requested all written confirmation regarding this CFPB complaint be sent to me via email to the email address provided
Product: Debt collection

This is not my debt and I have sent three letters requesting verification of my signature and agreement or to have it remove off all of my credit reports. I never receive a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX have already recognized 'Ideal collections ' as a fraudulent account on my credit report. In fact, those agencies have sent certified mail to XXXX  showing the outcome of their investigations. Still to this day, XXXX refuses to remove this from my credit report. I still have no paperwork, records, etc ( only documents from XXXX, XXXX, and XXXX confirming this fraud ). So far, Ideal collections has only posted a fraudulent document that clearly shows forged signatures. My attorney has proof of signature authentication. I would like XXXX to follow suit with the other agencies and remove this fraudulent account. They claim that we owe {$6400.00}, for what I still don't know. A quick search online and you will find that these scammers are using the same amount with hundreds of other individuals. According to the CFPB they currently have 1,137 complaints against 'Ideal collections. ' All of the evidence is there proving obvious fraud. Again, all of the other credit agencies have recognized this as fraud, except for XXXX. I've had a clean credit report for over 2 decades, my FICO is currently XXXX.
Product: Credit card or prepaid card

XX/XX/19 On XX/XX/19, I wrote a check to Capital One for {$300.00}. Capital One took {$3000.00} unauthorized. I discovered the problem on XX/XX/19 and called the company, as well as alerted my bank. Capital One takes the money electronically, so the bank did not have a copy of the check. A Capital One representative told me that they could see the check written for {$300.00} on their computer. I applied for the check in written to XXXX XXXX XXXX on XX/XX/19, copy provided in this complaint. Shortly after that the {$3000.00} appeared on my XXXX statement. This placement of the money was also unauthorized. If I withdraw the money from the account, I will have to pay fees on my own money. In short, I feel this is a scam to get more interest fees. 
Usually, money is returned to the checking account, from what I was told. To date, no check or money has been returned to me. I have asked for the money to be returned on numerous occasions. Also, I was told each time I called that it would take another 10 days, they are so back lodged. On XX/XX/19, told it would be another 4 weeks. I can not seem to get anyone to help me get my money {$2700.00} back ( minus the intended {$300.00} ). 
I have included a time and person document in added files section.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance : {$480.00}
Product: Debt collection

I noticed this account on my report. It is not mine. I believe it is a result of idenity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to XXXX XXXX XXXX demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additionalfinance charge, such additionalfinance chargemay not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which thefinance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of thatfinance charge. Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit. ( m ) The term accepted credit card means anycredit cardwhich thecardholderhas requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services oncredit.