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

US DEPT OF ED/XXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details XXXX XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details
Product: Credit card or prepaid card

Noted several pending transactions on Citi Mastercard beginning XX/XX/22, {$1.00}, {$100.00} and then four for {$500.00} each. Reported fraud, card cancelled and new card issued. Two of the {$500.00} charges posted for merchant XXXX XXXX XXXX. Called Citi on XX/XX/22 and while advised not responsible for charges, unable to block or note temporary credit for these disputed transactions. Was advised I would have to await the response from the merchant which could take up to three months, and that " the ball is in their court. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXAVANT XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed. 
XXXX. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o Experian reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o XXXX lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution.

4. Inconsistent Payment Histories : The payment history reported by XXXX, Experian, and XXXX varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account.

If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ). 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent repeated request to Equifax to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires. 

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information regarding addresses that I never inhabited are listed on my Experian Credit Report on page 6 of 6. Two telephone numbers that are not mine but are listed on my Experian Credit Report. I want these errors removed from my credit report.

1. They are as follows : XXXX XXXX XXXX XXXX NY XXXX Type : Single family Geo Code : XXXX Address Identification number : XXXX and 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Type : Single family Geo Code : XXXX Address Identification number : XXXX Telephone Numbers listed are in error : 1. XXXX and 2. XXXX
Product: Credit card or prepaid card

The credit line was used by someone other that me. I am a victim of identity theft. I took the steps by filing an FTC identity theft report and sent it to the credit card company along with a letter of what occurred and two forms of ID. I reached out to them by mail on XX/XX/2021 and they have still not responded to my letter. Its unbelievable that they would have proof of me being a victim of identity theft and not respond to my letter or try to correct for over 45 days.
Product: Debt collection

The credit card was opened for my Company, XXXX  XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX and XXXX in XX/XX/XXXX to contact XXXX XXXX to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for XXXX XXXX admitted they couldn't prove I was personally liable. 

This was a company card, NOT a personal account.
Product: Credit card

Someone stole my information and open a bank of American credit card. I wasnt never notified from Bank of America about that credit card.
Product: Student loan

Fedloan Servicing has a total of 10 loans in my name.  Fedloan was notified by my school that I was enrolled since XXXX 2019, however, they put a 90 day delinquency on all my credit reports in XXXX   2019.  Their internal records have been updated, however, they failed to update the credit bureaus of the error and to make the correction to all 10 of my loans which they are reporting.  I was advised I had to go through a process to have the information corrected despite the fact they had already been notified and had updated their internal records.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX due to their fraudulent practices In a lawsuit involving a debt.In the case, XXXX XXXX provided an affidavit of debt with incorrect information, including discrepancies between the affidavits stated opening date ( XXXX XXXX ) and the actual contract date ( XXXX XXXX ). I have previously requested validation of the debt, but they have failed to provide it.Additionally, I believe my signature on key financial documents may have been fraudulently misrepresented. As a result, I have sought to set aside the default judgement against me and am pursuing {$31000.00} in damages for these fraudulent actions.I would appreciate your assistance investigating this matter further.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with your department on XXXX XXXX XXXXXXXX credit reporting bureau. My credit score dropped to XXXX. After the complaint to your agency my credit score increased to XXXX. When Transunion increased it to XXXX and not XXXX I knew right away what they were being discriminating against me. 

I made all payments on credit cards on time and my score dropped significantly to XXXX after complaining to your agency it increased to XXXX. This score is not acceptable. All of my card balances are below 30 % usage. My score should be at least XXXX. 

XXXX dropped my score XXXX points at a XXXX why did it dropped XXXX increased my score to XXXX this is unacceptable. 

There are people with $ XXXX {$250000.00} in debt and their scores are way past XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collections is reporting accounts on my credit file that I need removed. I have sent them several letters and have not received a single correspondence. This debt has not been validated to me and per all the letters sent, if this is not validated, it needs to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Comenity Bank Childrens place is reporting a couple lates on my credit that need to be removed. I was unable to make a payment due to their system being down and not processing it. I called in once I noticed and the rep advised they would remove late fees and the lates from credit as this was not my fault.
Product: Debt collection

XXXX XXXX is a XXXX collection company with incorrect information and harassing tactics
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> GOOD DAY I have recently disputed this account it was updated I REQUEST THIS FRAUDULENT ACCOUNT TO BE DELETED ACCOUNT NAME SELF XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. 

DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX BANK IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Credit card or prepaid card

On XX/XX/2019, BANK OF AMERICA let a fraudulent {$120.00} charge from XXXX XXXX XXXX XXXX XXXX, NJ ( reported by XXXX XXXX XXXX as having been labeled suspicious 50 times ) slip through on to my Visa account. Before I was even aware of it, BOA placed my account on hold and sent me a new card number, because they knew it was fraudulent. When I followed up with a fraud claim, they changed their story and denied it. I paid off all the legitimate charges, while the balance at issue started to grow because of interest and late fees. Through my credit union, I was able to claw back an Automated Clearing House  payment and permanently bar BOA from collecting any more. On XX/XX/XXXX, I sent BOA a certified letter threatening legal action unless they cancelled the charges and closed my account. XX/XX/XXXX and XXXX, they sent replies assuring me that both had happened. Yet they sent me an XX/XX/XXXX statement showing a supposed remaining balance, and my credit rating has taken a hit because BOA is now an adverse account. You want a fight, BOA? You got one!
Product: Credit reporting or other personal consumer reports

As seen in this screenshot information varies from CRA to CRA According to the FCRA information must be accurate or removed. 

( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

If this information is coming from the data furnisher, why is it different? Please reinvestigate and provide names and contact information for the person who completed the investigation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I disputed more than several accounts via mail with Transunion. At the time of dispute several were removed without resistance leaving me with one collection account on credit report. Collection account XXXX of {$1400.00} was claimed to be verified through investigation as being my debt within same month of XXXX. I returned reply asking how did they verify account an for investigation reports verifying it was I. Transunion in turn replied I must send a address verification with documents verifying my identity because I wrote them from a different address because I initially wrote them from a rehabilitation center in which I was discharged on XX/XX/2021. But I followed instructions to theyre reply an sent documents. When I followed up in reference to them receiving documents theyre claim was they never received the documents an I can not have access to investigative reports or anything that verify the account as being mine and the collection will not be removed. This has been a back an forth for months now. Today XX/XX/2021 I wrote a hand written letter an sent it certified with return receipt to collection agency XXXX XXXX XXXX of XXXX Fl for account XXXX. Ive asked them as I did Transunion to send investigative documents verifying the account is mine or remove it in the allotted time if they can not. Now Im filing a report with ConsumerFinance.Gov. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit file related to the XXXX XXXX account ( Account Number : XXXX ). I have identified errors in the reported payment history and balance, which I believe violate federal consumer protection laws. Please find the details below. 
The inaccuracies I have identified are as follows : The payment history reflects a " XXXX  Days Past Due '' status for XX/XX/year>, which I believe to be incorrect and unsupported by factual evidence. 
Under federal law, I request an investigation into these inaccuracies and a prompt correction. The specific laws that govern the handling of this matter include : Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b ( a ) : This section prohibits creditors from reporting a payment as late to credit reporting agencies if it was received within 14 days of the due date or as specified in the account agreement. If my payment was submitted within the allowable time frame, this reported delinquency violates this provision. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) requires furnishers of credit information to ensure the accuracy and integrity of the information they report to credit bureaus. Incorrect reporting of payment history and balance is a violation of this section. 
1681i requires credit reporting agencies to conduct a timely and thorough investigation of disputes and to delete or correct inaccurate or unverifiable information.

Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( a ) : This section requires creditors to investigate and resolve billing errors, including misreported payment statuses or amounts due, promptly. The reported XXXX delinquency appears to be a billing error. 
Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( d ) : Creditors are required to notify consumers of adverse actions, such as reporting delinquencies, and provide specific reasons for such actions. I did not receive proper notice or explanation for the reported delinquency. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692e prohibits false or misleading representations about the character, amount, or legal status of a debt. Any misrepresentation of the account balance or payment status would violate this provision. 
Given the legal protections afforded under these laws, I request the following actions : A detailed investigation into the reported inaccuracies. 
Evidence validating the reported balance and payment history, including a copy of the original creditor agreement. 
Correction or removal of any inaccurate information that can not be verified. 
Please consider this letter as my formal dispute under the FCRA, FCBA, TILA, ECOA, and FDCPA. If you can not verify the accuracy of the information, I expect the disputed items to be removed from my credit file promptly.
Product: Credit card or prepaid card

In XX/XX/XXXX, I borrowed {$9000.00} from CareCredit to pay for XXXX fees. I was told that I have 18 months. However, when I start receiving my bills, it showed that I had less. I went online to pay my bill and it showed my balance of over {$6000.00} with deferred interest added before the end of the promotional on XX/XX/XXXX of {$3400.00}. I have until XXXX to make such payments. If I am late, there is no grace period before I am charged {$38.00} for late fees. In addition, once payments are made, the account is not updated right away. Therefore, it is hard to determine if the payments are made until one checks one account. While this maybe a good thing for customers who do not have money at the time that one needs to get the XXXX work or XXXX done, it is a moose around the customers neck and the customer service representative are not very nice people.
Product: Student loan

MOHELA is a horrible lender. The website is unreliable- I have tried to fix it multiple times by calling their customer service. When calling their help desk you need a ssn or account number. Using my ssn or account number does not let me access and I have to wait for a agent but going through the menu there is no way to speak to a person unless you hit random numbers on the key pad. Once doing that you wait 40+ minutes only to be transferred 3 different times to get the help needed. I have had access to my account then following pay period I no longer have access. Then the process starts over again. Horrible service horrible provider. This provider clearly makes it difficult to contact so you accrue more delinquency. Dont even try and get a call back- they never will.
Product: Money transfer, virtual currency, or money service

I have done the money transfer by using Western Union on XX/XX/XXXX at XXXX XXXX EDT. WU have promised me that within 5 minutes I will get the call from validation department & after that my brother can collect the money in XXXX. Their validation department has not called me until now ( XX/XX/XXXX-XXXX XXXX EDT ). Because of their false promise, my family has a tough time in XXXX & I also had a sleepless night. My family was looking for money urgently. I had made several calls to them during the last 14 hours. They are saying same line again & again that I will be receiving a call from their backend ( Validation ) team. They have not kept their promise & now Im asking them to cancel this transaction then also they are repeating same line that I will be receiving call from their backend ( Validation ) team ASAP, this time they have added another word to the line that I will be receiving a call in next 24 hours instead of 5 minutes. 

I am paying transfer fee & they also earning from dollar exchange rate on their terms & still they are not doing what they are supposed to do. I do not have any idea how they can streamline this process & stop doing false promises. My hard earned money is on no man zone & you know the importance of money at right time for personal usage. 

Im looking for your help so that Western Union will return my money & should start respecting the consumer time & needs.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of fraudulent accounts in my Experian credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Experian report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Experian continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX