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

Please refer to complaint number XXXX within your company. 

Experian is the only credit reporting agency that has not removed this debt. 

FCRA indicates creditors have a certain timeframe to validate a debt. Once that timeframe has expired that debt should be removed from the debtors credit profile if not validated within a certain timeframe. 

Experian is in violation of my rights and has not followed through on rights under FCRA. 

They must follow suit and removed this debt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO, 15 U.S.C 1681, YOU ARE REQUIRED TO MAKE SURE THAT INFORMATION THAT IS BEEN REPORTED IS ACCURATE AND BEEN REPORTED FAIRLY AND HONEST AND YOU HAVEN'T DONE SO. YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT ANY AND ALL ACCOUNTS YOU POST ON A CREDIT REPORT, OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL,OR
EMAIL IN A FRAUDULENT ACCOUNT.
ACCORDING TO 15 U.S.C. 1681. YOU HAVEN'T DONE SO.
15 US 1692c(c). I HAVE NOTIFIED THE DEBT COLLECTOR AND EXPERIAN ABOUT THE DEBT IS NOT MINE, AND DUE TO EXPERIAN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT FOR THE DEBT COLLECTORS THEY ARE CALLING 5 TO 6 TIMES A DAYS WHEN I ASK NICELY TO STOP CALLING.



Discover account# XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card account is currently reporting open : XXXX XXXX XXXX and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a ZERO BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$93.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Student loan

To date we have paid over {$30000.00} to Navient for our private student loan which had an original balance of {$53000.00}. The current payoff balance to date is over {$59000.00}. For 5 plus years we have been making more than the minimum payment amount but they chose to apply the over payment to interest instead of to the principle. This would have drastically lowered our current balance. We would like to see if there are any actions we can take to. correct this.
Product: Credit card

My card was stolen and there were unauthorized charges of XXXX and XXXX. I filed a police report. Called to give them the police report and asked to speak to a manager he basically told me the cops would n't help me. And they were n't going to look at the tapes when the officers told me they would, and stated they do not get involved in civil disputes even though I have no clue who stole my card. He was talking over me. The previous rep stated that once I obtained a police report they would re open my case in which this manager refused to do so. I do n't feel I should be charged when my card was stolen and to be treated like a liar was very disrespectful
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX {$3500.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX {$2600.00} US DEP ED XXXX {$20000.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$250.00} XXXX XXXX {$24000.00} US DEP ED XXXX {$25000.00} XXXX XXXX {$4300.00} XXXX XXXX {$870.00}
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed with XXXX XXXX XXXX every 45 days about the XXXX  unknown statues on my credit reports from XXXX, equifax and XXXX  for the month and year of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the dates listed were paid on time. The also reported several incorrect late payments I have disputed with no resolution.
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 XXXXXX/XX/XXXX
Product: Checking or savings account

Capital One mislead it's consumers about their 360 Savings Account, kept them in the dark about savings account which offer greater benefits in return interest rates. While keeping the 360 Savings Accounts interest returns deflated compared to the market standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681section 602 A. States i have rights 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
Product: Credit reporting or other personal consumer reports

It's been a long time that I have been trying to fix the errors on my report and yet my requests to correct and remove false and inaccurate information keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
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 Date open XXXX. XXXX, XXXX  Balance : $ XXXX DAYS LATE late dates XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I received my credit report and found a fraudulent account was reporting.
Product: Checking or savings account

I opened an account with Wells Fargo in XXXX and when my direct deposits came in they stated it was fraudulent and they closed the account and never returned my money. They I was told to bring in proof of employment from the company which I did and still nothing
Product: Mortgage

On XX/XX/21 I submitted a complaint with CFPB complaint # XXXX. XX/XX/21 company response was they will refund {$500.00} for the appraisal because they took 5 months and still did not close refinance. I did not receive my refund and tried emailing the address given to me on the complaint but no response.
Product: Mortgage

I recently received a letter from my mortgage servicer stating the modification was declined because the investor XXXX XXXX XXXX XXXX XXXX was no longer participating in any of the modification programs. I also spoke with XXXX the Relationship manager XXXX XXXX XXXX he told me the investor didn't participate in the modification programs. Received a re-payment plan for {$2100.00} monthly the mortgage has increased over half of the original mortgage payment. My mother XXXX XXXX is terminally ill and I'm responsible for her care and medical expenses that insurance want cover. 
I feel we are being discriminated against because my mother is XXXX and we are XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I acknowledge receipt of the documents your company provided regarding the alleged debt. However, the information in these documents does not align with the records from the original creditor, raising serious concerns about the accuracy of the balance being reported. Additionally, your company has a known history of adding unauthorized fees, as evidenced in cases such as XXXX XXXX Columbia Debt Recovery, where the court found your organization liable for emotional distress and statutory damages due to improper collection practices. The precedent established by this case demonstrates your companys tendency to misrepresent debt amounts and continue adverse reporting even after being made aware of errors. Furthermore, the " date last active '' on this account is inconsistent across credit bureaus, suggesting that the account may have been re-aged to your advantage. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. I am formally requesting that you remove the inaccurate information on my credit report to comply with FCRA standards. If these issues are not resolved within 30 days, I will pursue all available remedies, including seeking legal action for emotional distress and statutory damages under the FDCPA and FCRA.
Product: Credit card or prepaid card

I have not received a bill or replacement card from this company and they continue to charge me late fees. I cant log into the account online because it says youre account is currently unavailable
Product: Debt collection

Credit Coll XXXX XXXX XXXX XXXX, MA XXXX XXXX This collection agency sent me a letter stating I owe {$30.00} from XXXX. I reached out to XXXX directly and they assured me I didn't owe anything.
Product: Credit card

Hi, Chase Sapphire preferred send me pre-approved promotional offer of XXXX points after I make purchase of $ XXXX in XXXX. I applied and was approved for credit card on XX/XX/year>, however I haven't received card till XX/XX/year>. They promise card should be reached in XXXXbusiness days, however wait time has exceeded same During this time I can add/use card to digital payments like apply pay, which still limits my spending universe Given promotion time frame is XXXX as I need to spend $ XXXX by XX/XX/year> but I don't have actual card to use. 
With delay, my offer spend time in already XXXX % less than advertised. I am actually told to spend in XXXX to get this offer which is misleading to the advertisement. 

I have contacted customer service but they can not increase time period to actual XXXX from the day I receive card. They are relying on digital payments during this period which is limited to my access
Product: Money transfer, virtual currency, or money service

I have an account with coinbase, I have not had any issues until ~3 weeks ago when I was required to verify my account in order to sell a little Eth. I received a " Address did not match '' error. I have tried everything every day since ( 10 tries per 24hrs ), I even changed the address at my bank to make sure that it matches the one on coinbase. This is after I log in with 2 forms of security. I have e-mailed them, I have called them, the guy sent me an e-mail and the said that if that did not work to reply to the message and it go straight to him ( big lie ). 
It is my opinion that coinbase is a very shady exchange, they need to be looked into.
Product: Checking or savings account

On XX/XX/23. Someone stole my wallet and phone out of my car and was able to access my wells fargo debit card to make purchases and atm transactions. My social security card and debit card other identity items were in my wallet, my pin is the last XXXX of my social so they were able to guess my pin number, they also had access to my phone and was able to approve transactions and get in my wells fargo account in the app, I have a tital of XXXX charges including atm transactions totaling XXXX, I have yet to receive any credit or money back from wells fargo as of XX/XX/23
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute fraudulent accounts that have appeared in my credit report. I have discovered that I have been a victim of identity theft, and I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. Below is the account and company I have NEVER signed a contract with or received goods or services from. 
As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate blockage and removal of the following fraudulent accounts from my credit report : XXXX XXXX XXXX  Account Number : XXXX I have attached copies of my drivers license, the Federal Trade Commission 's XXXX XXXX XXXX, Police Report, and I have also filed a formal complaint with the Federal Trade Commission XXXX FTC ). Additionally, I have reported this identity theft to the XXXX XXXX Police department. I have also obtained a police report number, XXXX, for the case. 

According to applicable consumer laws and the FCRA, Under the provisions of Section 615 ( f ) and 623 ( a ) ( 6 ) ( B ) of the FCRA, it is essential that you refrain from selling, transferring for consideration, or placing for collection any debt associated with these fraudulent accounts. I expect these accounts to be removed within four business days of your receipt of this letter, as mandated by FCRA 605B.

Moreover, I request that you send notices of the corrections made to my credit report to all parties who have received my credit information within the past XXXX months. This will help prevent any further dissemination of erroneous information. 

Please be advised that, unless you can provide a copy of the ALL EXACT verifiable evidence to prove otherwise, I expect no further communication regarding these alleged fraudulent accounts. As a victim of identity theft, I am taking all necessary steps to rectify the situation, and I trust that you will comply with the relevant consumer protection laws to avoid any lawsuits in the future. 

Thank you for your immediate attention to this matter. I anticipate your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 then records of conviction of crimes which antedates the reports by more then 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.

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 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on auto pay for the full balance on my XXXX account as the card was only used sporadically. I then began using the card and switched to the minimum payment for the XX/XX/2019 payment. However, they attempted to take out the full payment against my request. The payment account was linked to a checking account that was no longer my primary account and therefore came back insufficient funds. I went on their website again and changed to the minimum payment and paid a {$200.00} payment. Subsequently, I went on their website and it showed no back due payments. In XXXX, they again tried to take out the full payment against my settings and request. I once again logged into their website changed it to the minimum payment and made another {$200.00} payment. I then had to log in again and make the change to the minimum payment for a third time. It's bad enough that they kept trying to take out the incorrect amount against my stated requests. However, it turns out that they failed to process the {$200.00} payment in XXXX and are reporting me 30 days late. They did not call, mail, or email me on a payment issue and their website showed that I was on time in XXXX. I notified XXXX and they are refusing to correct the situation and report the proper information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 i sent disputes to the credit bureaus about UNLAWFUL activity on my credit report I noticed a few days prior. Transunion, XXXX, and XXXX have all failed to adequately response to me in a timely matter as all disputes should be resolved within 30 days!! it is now XX/XX/21 as I write this which is basically 45days and still haven't had my credit report updated!! It is law that failure to resolve and validate these accounts is grounds for them to be DELETED IMMEDIATELY.

Thes companies just do what they want to consumers like me and I won't stand for it, I know my rights and laws! Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately, failure do so and i will file for litigation due to violation of LAW and FCRA!

Also late payments that were reported while we were all in a pandemic is against the LAW! The CARES Act protects consumers from theses unjust reportings.The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ).