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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX. 
Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXX BALANCE : {$7300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the documentation for the fraud activity of these student loans. These were opened without my knowledge and after investigation, was taken off my XXXX and now is showing up on my XXXX as late payments and is affecting my credit negatively by 112 points, impacting my payment history. I am submitting a photo reflecting my XXXX compared to my XXXX, please help!
Product: Credit card or prepaid card

I use the Chase Sapphire Reserve credit card from Chase. One of the benefits we have is trip protection, provided by Card Benefit Services. I had a qualifying trip interruption that occurred in XXXX XXXX XXXX  and, despite providing all documentation requested by Card Benefit Services, still do not have a resolution for my claim. It's been about 2 months at this point and I am repeatedly told that my claim is in the final stages of review and I will receive a decision in 1-5 business days. Every time I am told that I will receive a callback, they do not call me back. There is an outstanding claim for a couple of XXXXXXXX XXXX and I have no other way to recoup this loss.
Product: Credit reporting or other personal consumer reports

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I was also never late and I always pay on time. Please remove this inaccurate information and accounts that can not be verified.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/2020 2020
Product: Checking or savings account

I was a victim of identity theft Someone open a Citi bank checking account using my name social security number DOB and my old address on XXXX XXXX on Tuesday XX/XX/XXXX XXXX Citi bank send Me a check book, PIN number and a letter then on XXXX XXXX Citi bank send me a debt card all these items where send to my old address I never had account with Citi banks and I never open this account
Product: Credit reporting or other personal consumer reports

I sent multiple letters regarding this inaccuracies on my report. But I never received any response or resolution about this matter. These account are paid on time and was never late. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, I never signed any agreement or contract with them. I don't have any business to any of these following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX Exclusion of Information from Credit Report Dear, Equifax & XXXX XXXX , I am writing to formally request the exclusion of specific information from my credit report, as I believe it does not meet the criteria outlined under the Fair Credit Reporting Act ( FCRA ) for inclusion in my consumer report. 

According to 15 U.S.C. 1681a, a consumer report does not include reports that contain information solely related to transactions or experiences between the consumer and the person making the report. I believe that the following information in my credit report falls under this exclusion : XXXX XXXX XXXX account # XXXX should be excluded, meaning it's not supposed to be on there. I did not give Equifax written consent to share my personal, financial information with XXXX XXXX. XXXX XXXX 's a Private financial bank. 

I kindly request that you review my credit report and remove this account accordingly. Please send me a confirmation once this information has been excluded, and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely
Product: Credit card

I have a Citibank world elite card. I received advertisement for a 0 % balance transfer. I called and asked several times that if I paid off my balance then transferred another balance is it saying there will be zero interest on the new balance. I looked at my statement on XX/XX/XXXX only to find interest charges, one standard and one Pur not sure what the extra charge was for. I called and spoke with a manager from Kentucky location name XXXX employee number # XXXX. He said that even when I paid my balance in full because my balance was not paid in full in XXXX it carried over and I was being charged for XXXX balance. I was under the impression whatever balance is shown on your credit card and you pay it in full you avoid interest. That is how every card Ive ever owned operated. My credit card payment is due on XX/XX/2024 I paid off the entire balance on XX/XX/2024, I did a balance transfer that posted on XX/XX/2024 and two interest charges in the amount of XXXX} and XXXX  was charged on XX/XX/2024. They claimed it was nothing they could do the charges were valid. I feel robbed!
Product: Credit reporting or other personal consumer reports

I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

XXXX is a financial entity acting as an extension of a government entity.
Product: Student loan

I was told that I could not request a lower payment or request a deferment for the student loan sometime after XX/XX/XXXX. I was out of work from XX/XX/XXXX-XX/XX/XXXX. The payments stayed around {$400.00} or more dollars the entire time of the loan. I request for lower payments because my total student loans were over the minimum percentage of my income. Sallie Mae still refused to lower my payments. As life happen and I to pay for emergencies and necessities over a {$400.00} student loan. When I did get scholarships to help pay for my student loans, Sallie Mae did not take the amount to my principal but to my interest. Therefore the scholarships were worthless because it would only cover about 3-4 months of payments.

I took FMLA recently and was unable to make any type of payments. I can provide documentation if need be. Before I knew it, my entire student loan was sent to an aggressive collection agency called XXXX. They have contacted my work via phone calls and emails. 

The majority of the amount I owe is mostly from interest accrued not the principal. I wish I had never gone to this college and gotten into this undying debt. 
These interest rate calculations for these students loans are pathetic!
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations.

4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Vehicle loan or lease

NOTICE OF, INTEND TO INITIATE LETIGATION ( COMPLAINT ) To whom it XXXX concern : The above referenced auto loan was charged off and the vehicle was wrongfully repossessed. In XXXXXXXX XXXX XXXX, I filed a Complaint in the XXXX XXXX XXXX office. The case number was XXXX XXXX XXXX This case was in part successfully litigated and Bank of America 's counsel was agreeable to paying the Plaintiff, myself, the maximum allowable amount for that Court type. Unfortunately, the Complaint had been erroneously filed in Small Claims Court and needed to be Motioned into Civil Court, as the stated amount of damages being sought exceeded the respective amount allowed in Small Claims Court. Upon the Judge Motioning the case to the appropriate Court, the case was again opened, this time in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The case number now being XXXX XXXX. This case was not able to be litigated successfully as I, the Plaintiff, did not have the correct causes of action stated in the Complaint. The Judge gave me the opportunity to Amend said Complaint which I was not able to file immediately due to health issues. When I was able to go to get it filed, the system was under maintenance and due to my lack of transportation at that time, I was unable to return and get it filed timely. 
At this time, I, the Plaintiff, have everything in order and ready to be filed one last time in the Circuit Civil Court with the means to retain counsel to represent me in the matter.
Product: Consumer Loan

I purchased a vehicle XX/XX/2014 from XXXX XXXX in XXXX NC. I had purchased XXXX other vehicles in the past from the car sales men. So ... I trusted him. I purchased a XXXX Dodge Avenger new. I traded in my Ford Explorer. He told me, purchase this car under this contract, pay your payments on time for a year and come back. We will refinance your loan for a lower interest rate. After the year, I called to set up an appointment to pay refinance the loan. The employee said, " I do not know why you were told that, we do not do that here. Yesterday, I went back to the dealership to try and trade the car in. They said my car is worth XXXX dollars. I owe XXXX. I have contacted the lender of my car to try and work out a way to pay the car off without such a burden of " being upside down ''. They said they can not help me. I dont know how I could have been so stupid or that a dealership would charge me triple the cost of a car. I would like to work out a way to stop the interest acruing on the vehicle to get it paid off quicker. Turning it in will only hurt my credit more. I do not know what to do.I told them I will never buy another car from them again. I make XXXX less than I made when I purchased the car. It is challenging enough financially to pay for the car. What can I do. What rights do I have?
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found billing errors under 15 U.S. Code 1666 ( b ), including : Failure to properly reflect payments/credits. Calculation or accounting errors. Lack of 21-day notice before the due date, so late payments shouldnt apply. I request proof from the creditors records that I missed a payment and was marked late. Please correct or remove these errors immediately, or I will pursue legal action under 15 USC 1681n. Despite previous disputes, the following errors remain : XXXX ( XXXX ) - late dates incorrectly reported in XX/XX/year> and XX/XX/year>. XXXX XXXX XXXX ) - update payment status to " Pays as agreed. '' Please address these promptly.
Product: Debt collection

On XX/XX/2022 - I sent a letter to Frontline Asset Strategies requesting VALIDATION of the debt that is appearing on my credit report. On XX/XX/2022, I received a letter dated XX/XX/2022 which contained a XXXX page front/back bill from XXXX in the amount of {$1300.00} dated XX/XX/2022. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor have they been able to provide any validation of the debt. 

Below is the exact verbiage of the letter that I sent to Frontline Asset Strategies : My credit report shows a collection from your agency. I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all of the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number. 

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
Product: Debt or credit management

Took a loan out on car had to give card back to have new baby on the way
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't really know what section my issue goes under. I attended XXXX XXXX university online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my Venmo account was hacked by a XXXX XXXX. A total of XXXX dollars via Venmo was sent using my XXXX XXXX Credit Card. I reported it stolen and was found not responsible and that it was fraud. I was credited back the amount of {$2000.00}. I then tried to use my Venmo account again and it was frozen. Venmo wants me to settle with them and pay them back the {$2000.00}. I keep telling them it was fraud and they said no it wasn't and will not work with me at all. I have filed a police report with the XXXX XXXX, MN police department. XXXX # XXXX. XXXX XXXX XXXX on XXXX. They will not further investigate the fraud payment due to them not having anymore info on this XXXX XXXX from XXXX, FL. Venmo will not make my account active again and at a XXXX balance until I PAY them back which should not be my responsibility at all!
Product: Mortgage

XX/XX/XXXX ; I advised my mortgage company. that I was reviewing my XX/XX/XXXX escrow account online and advised them that they did not have my new insurance rate for the year. They had updated tax rate and even showed what my new payment would be starting XX/XX/XXXX and I was the one advising them of the new insurance rate. 
When I was transferred to the tax dept. and the new rate was put in which Went from {$680.00} per year to {$720.00} per year ; which is only a {$41.00} difference ; the new escrow was refigured and instead of charging me an increase in escrow of {$41.00} ; they were calculating a {$89.00} yearly increase. I asked why and they said that is to take care of projected increase for XX/XX/XXXX. 
I was tired of trying to explain that we are dealing with XX/XX/XXXX escrow and not XX/XX/XXXX. 
I have had problems in the past with this bank as they do not keep up with the tax and insurance information. 
They are very hard to communicate with as their employees have very little English skills. 
Please advise how I can get this corrected. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have beg you for years to expose the scammer that used my identity to get a loan and used credit cards in my name and you finally provided one of the perpetrators and you fail to put the information on the portal please put the details on the consumer Financial Protection Bureau Portal not just email to me but also post it here too. You are fraudulently telling me to use XXXX XXXXXXXX XXXX last four numbers of their SSN number as password to get details again I don't know XXXX XXXX XXXX and never gave them any authorization. Please post the details on this portal. 


Email from XXXX Came to me- XXXX at XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX XXXX You appear to finally festing up and should follow FCRA.
Product: Checking or savings account

On XX/XX/2022 and XX/XX/2022 I received two fraudulent charges on my wellsfargo account for the amount of {$4900.00} and {$3200.00}. Immediately I contacted wellsfargo and reported the non authorized charge, they started an investigation that took 20 days for them to tell me since the money went out my account it was not fraudulent. Again i did not made those purchase or authorize anyone to make it
Product: Vehicle loan or lease

This company is involved in a class action lawsuit. And that they were in violation of the ucc code
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate XXXX XXXX Equifax, XXXX disregard for consumer protection statutes.