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

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Attached are my IRS 1099c Copy B forms for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX All three accounts will be updated to paid on time in full, as agreed upon immediately. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, XXXX North Carolina XXXX, All other addresses shall be removed they are not my address and are non-mailable addresses which is defined as mail fraud. See attached utility statement and Passport I.D . Card for Identity and address verification. Lastly per 15 USC 1666B, 12 CRF 1026.13, and the CFPB Timing of Payments ; A Creditor may not treat any payment as late on an open-end credit plan account for any purpose ; meaning The XXXX XXXX credit card open-end plan account on my report shall be removed immediately you are in violation of the law. Furthermore, a write-off/charged-off is considered income and per the Department of Treasury ( IRS ) website income can be reported on credit reports. The XXXX XXXX and all other charge-offs are to be removed immediately.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, Experian, XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/XXXX
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  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX  XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hired at XXXX on XXXX XXXX in XXXX MI and they let me go because on my background check that was a old misdemeanor charge and it was because my mom bought food stamps from someone and they pressed charged on us. Because she bought me food and I did n't take back the food back so they charged me with receiving and concealin the food that she bought me. It was from 2014 it was spose to be took off if I conpleated the program and I did so I 'm just asking for my job .Any question call me XXXX
Product: Student loan

When I originally took out the loans it was advertised that I could release my co-signer after 12 on-time monthly payments. My first attempt was unsuccessful as new barriers to removal, unbeknownst to me, were put in place and I was denied. So several more years of on-time monthly payments go by and again I try to remove my co-signer. Again I was denied, this time for not having high enough creditworthiness. A couple more years pass and I work my credit score up to the mid-700s and applied again. Surprise surprise now I don't have a long enough credit history according to Navient. The reasons given were a ) a previous loan default ( which I am completely unaware of somehow ) b ) delinquent payments ( for federal student loans which are now many years removed from present day ) and c ) amount on accounts is too high ( I can't imagine the {$14000.00} I still owe them and am paying for is very much compared to many ). 

I've tried everything to meet the arbitrary standards to release my co-signer from my loan. I've made on-time payments every month for years and years and it's still not good enough. Navient seems to keep finding arbitrary reasons to deny my requests. None of these arbitrary barriers were advertised when taking out the loan so I feel doubly deceived.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Letter to Remove Inaccurate Credit Information Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report. Please block and remove all information from my credit report, and send me an updated copy of my credit report. I do not consent to XXXX or any means of automated verification as they are in direct violation of the Fair Credit Reporting Act. The following items do not belong to me and are a result of fraud that I did not authorize : Here as follows are items in error : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX  Account Number : XXXX I am a victim of identity theft please remove it from my report. 
XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX I am a victim of identity theft please remove it from my report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX I am a victim of identity theft please remove it from my report. 
4. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft please remove it from my report. 5. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft please remove it from my report. 
6. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX I am a victim of identity theft please remove it from my report. 
7. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately. 
XXXX Account Number : XXXX I am a victim of identity theft please remove it from my report. 
8. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft please remove it from my report. 
I would like to request that you please do not send me a template letter in response to this request.
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Mortgage

XX/XX/XXXX : The property at XXXX XXXX XXXX XXXX, XXXX TX is tax exempt 100 % XXXX veteran. 

XX/XX/XXXX : Tax statement and XXXX rating letters received and accepted by XXXX XXXX XXXX XXXX and Freedom Mortgage. Escrow Analysis conducted " check to be mailed out '' XX/XX/XXXX - current day ( XX/XX/XXXX ) 15 calls / scheduled call backs / inquires and still no refund of escrow. The company has promised payment numerous different times during these time periods. Freedom mortgages most recent stance on the issue is to pay a " phantom past due '' amount that the company states, they will have to " inquire '' to justify. 

I am a Veteran very confused with the legalities of my mortgage companies financial practices. Looking for help or next steps. The goal is to be refunded all owed monies in escrow that are no longer owed due to zero tax liability.
Product: Debt collection

Jefferson Capital System has not validated a {$810.00} debt from XXXX XXXX XXXX ( the original credit ), from an account that is more than 7 years old. 

Next the company decided to falsely report the debt as originating in XXXX of 2023. 

I would like to the debt removed from my credit report and for my validation request to be completed.
Product: Credit reporting or other personal consumer reports

I was notified by Kohl 's department store on XX/XX/XXXX hat I had a payment due. The exact text message reads was " XXXX XXXX, Your Kohl 's card payment is due. Visit credit.kohls.com to pay. '' On XX/XX/XXXX I made the payment ( paid off the balance in full of {$100.00} ). According to my credit report, the payment was due on XX/XX/XXXX. My credit report is showing NO late payments preceding the month of XXXX. It also shows the card was closed in XXXX. I am not clear as to how Kohl 's reported the payment XXXX  days late when the due date is XX/XX/XXXX ( the same day the text message came through ) and the payment was made in full the very next day. 

Additionally, I was never notified that a transaction was being submitted to the credit bureau. According to your website, a consumer must be notified ( and several methods are listed ) prior to being submitted to the credit bureau. The ONLY communication I received from Kohl 's was the text message listed above. I have contacted them twice. The second time I sent a letter with all the accompanying documentation to include a picture of the text message, a picture of my credit report as well as a picture of my bank statement showing when the payment was made. I have just received another letter saying they have reviewed all of my documentation and will not reverse their original decision. 

In short, I was contacted on XX/XX/XXXX of a payment due, I made the payment as soon as banks opened on XX/XX/XXXX and sometime between XX/XX/XXXX and XX/XX/XXXX I was submitted to the credit bureau as having a late payment. This is impacting my XXXX XXXX and I would ask for that negative item to be removed.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 oth
er adverse item of information, other than records of convictions of crimes which antedate 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

XX/XX/year>, Experian credit reporting services sent me a letter stating that I did not personally submit information disputing unauthorized credit inquiries. I'm here to tell them that I did personally submit dispute letters, no other entity produced the letters. Attached will be the original dispute letters that I submitted and new letter. I demand the removal of these unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was placed on my credit report and is damaging my credit worthiness. This is a fraudulent account and should not be on my credit report. This account is a medical bill and should not appear on my credit report according to the FCRA. This account is quest diagnostics and cost {$56.00}. The account appeared on my report XXXX of this year.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed. 

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

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


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

A scammer hacked into my credit card. They posted several small charges, claiming that they were {$16.00} for " XXXX XXXX. '' I cancelled the card 2 days ago. The scammers somehow knew that I had cancelled the card, so I immediately received a text yesterday telling me that they were from XXXX XXXX to help with the problem. I got on the phone with them, and gave them several pieces of information before realizing that it was a scam, and I hung up. The name they used was " XXXX XXXX, '' and since then, today I got some emails from them saying that they just needed some more information for my credit card information. I did not open the emails. The name XXXX was in the subject line again. I permanently deleted both email accounts today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX, Transunion and XXXXThey said everything is 100 % Complete and Accurate. I would like to receive the description of reinvestigation procedure According to the FCRA 15 USC 1681i ( 7 ). 

Because the list of account below are NOT ACCURATE.The Open date, date last active, account type, date last payment, past due, Balance, High Credit is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Money transfers

I used the Western Union website on XXXX/XXXX/15 to send {$2900.00} from my bank account to me while I am in XXXX. An email from Western Union on XXXX instructed me to send the money via WUPay, which I did. My bank account was debited on XXXX and my account statement shows the payment to WUPay. Since I had another email from Western Union on XX/XX/XXXX that they had not yet received the money, I called them on XXXX. The agent told me that she had to have someone investigate this and I would get a response by XX/XX/XXXX. Nothing. On XX/XX/XXXX I received an email from Western Union stating that they were cancelling the transfer at my request. I never made this request. As I was travelling when this email came in, I called them on XX/XX/XXXX and spoke to XXXX in Agent Support. Eventually she told me that this needed to be referred to an offline compliance department to investigate and they would get back to me in an hour or XXXX. It has now been almost XXXX hours since we spoke and I have received neither a telephone call ( I gave her my current number in XXXX ) nor an email. I have tried calling again but the lines are going into a hold pattern with no indication of how long my wait might be. I ca n't afford to do this on an international call. It 's now been two weeks since my bank delivered the money to Western Union. Where is it? Why ca n't Western Union confirm they do or do not have it. I need that before having my bank go chasing the funds from their end. I need a response. I should have received my funds at least ten days ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is erroneously reporting derogatory items on my credit report.
Product: Credit reporting or other personal consumer reports

Ive tried numerous times to contact Citi Bank XXXX XXXX XXXX account # ending XXXX & Citi Bank Diamond Preferred Card account # ending XXXX with my XXXX XXXX XXXX who is the legal authorized owner of these 2 cards so this wont be an inconvenience & affect me because they keep reporting to all 3 credit bureaus that I am the owner of these credit cards. We both have talked to them to try to come to a resolution with this very sensitive information & there hasnt been a proactive action in behalf of CITI BANK!! NOT PROFESSIONAL AT ALL!! Ive also sent out his card statements to the bureau with legal documentation & also nothing has been done because they keep saying Citi Bank keeps reporting that i am the authorized user. The only thing Ive done is help my father make his credit card payments through my accounts because he is XXXX  and has financial difficulties according to his fixed retirement income. If I am helping him at times make payments and thats not my account why they keep reporting & verifying as they say that those credit cards accounts are mine? Why? I dont understand. I am reaching out concerned about how they are handling sensitive information. How about if I wasnt his son? Or if it happens to someone else? They proactively are quick to report but not proactively in helping me resolve this major problem. Thats my reason for reaching out to you all so this wont happen to anyone else. I am willing to show any legal documentation that you need in order to be proactive and move forward to solve this problem!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and XXXX and XXXX refused to take off the accounts that are not mine. I send them proof and it is still on my account.
Product: Debt collection

Email from the company firstsource Advantage who bought XXXX, XXXX debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to University of XXXX in XXXX California from XX/XX/XXXX to XX/XX/XXXX. The location closed. My original loan was through Sallie Mae, then Navient and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last nine years. I didnt start making more than my loan until XX/XX/XXXX! 

Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, The account receiving this 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX  XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}