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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} UD DEP ED XXXX {$9200.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} US DEPT ED XXXX {$6800.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$200.00} XXXX   XXXX {$200.00} XXXX XXXX {$240.00} XXXX  XXXX {$150.00} XXXX  XXXX {$320.00} XXXX  XXXX {$220.00} XXXX   XXXX {$300.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$180.00} XXXX   XXXX  XXXX {$610.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$480.00} DPT ED/XXXX XXXX {$2300.00} DEPT OF ED/XXXX XXXXXXXX XXXX {$2300.00} XXXX XXXX XXXX {$240.00} US DEPT OF ED/XXXX/XXXX  XXXX {$560.00} XXXX XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to Trans Union over 30 days ago in regards to inquiries and I still havent seen a response by law they should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the information reported on my credit report concerning the account listed below, as it contains several inaccuracies. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I am requesting that this account be either updated to accurately reflect the true information or removed entirely, as it does not meet the standards of accuracy mandated by law. 

Here are the details of the account in question : Account Name : Affirm Account Number : XXXX As per the FCRA, all information contained within my credit report must be 100 % accurate across all three credit reporting agencies. Any discrepancies or inaccuracies must be corrected. If the information can not be verified as accurate, the account must be removed from my credit report. The account list as being late in the month of XX/XX/XXXX. This is incorrect information. 

Please note that under the Fair Credit Reporting Act, you are required to investigate my dispute within XXXX days. Should my request not be resolved within this time frame, I will have no choice but to pursue legal action, seeking damages of {$1000.00} for each inaccuracy in my credit report, as provided under the statute. 

I trust that you will handle this matter promptly and in compliance with the law. Please inform me of the results of your investigation in writing and update my credit report accordingly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a entire car on my credit from when I was XXXX  ITS NOT ME THIS IS FRUAD
Product: Student loan

I apologize for the delay in my payments.the financial stress have caused me to fall behind in my payments.as your records indicate I have been a excellent customer with a good payment history until the economy to a dive.i enjoy being a loyal customer and would greatly appreciate it if you give me another chance by deleting the 90 day late payments on XXXX,120 day late payments on XXXX late payments on XXXX120 late payment on XXXX120 day late payments on XXXX120 late payments on XXXX120 late payments on XXXX120 late payments on XXXXthank you for taking the time to read my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an immediate credit freeze from Equifax, ( and the other two companion credit bureas ) due to Equifax 's data breach, but they want to charge me for it unless I can PROVE I am a victim. Equifax is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! Equifax SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION. 

" XXXX-based Equifax, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. Equifax discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cant access my equifax credit report. I havent placed a freeze on my account and has spoken to multiple agents and no one seems to be able to help
Product: Vehicle loan or lease

I had a loan through TD Auto. I made payments every two weeks for half the amount of my monthly payment. I traded my vehicle in, and when the loan was paid off the amount was more than the balance on my account. TD put the extra amount for the payoff to fees instead of refunding me the extra amount paid that is my money. 

XX/XX/year> a payoff check was posted for {$28000.00}. 

Principal {$28000.00} Interest {$14.00} Fees {$440.00} I did send a message through the portal today to them as well, but I think they should not have to be contacted to return money that is not theirs.
Product: Debt collection

I paid XXXX per month and the debt was fully paid off.  I received threatening phone calls two months after my last payment telling me that I owed another XXXX.  The debt is still showing up on my credit report showing that I owe them  money.  I want the debt removed from credit immediately to accurately reflect my true credit history. The first RMS-Recovery Management was very rude and disrespectful.  The second representative state it was an accounting error on their end and my debt was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out many times to Comenity Bank XXXX. They are really hard to get a hold of on the phone and when you send a private message in your mailbox they reply with a generic message and never get back to you to solve your problem. I discussed with a representative on a recorded line and even after two different times. I agreed to pay off my card balance in return for them to remove me from 30 days late. Again now they are reporting me 60 days late with is so inaccurate as I was never 60 days late if you see the payment date and the month they reported me 60 days late. I was supposed to get this removed from my credit report from all three credit bureaus as promised by 3 different agents, and it's still showing up on my credit report. I am tired of going back and forth on this. Can someone please help me get this error fixed? I want this removed from all three credit Bureaus I lost XXXX points on my credit do to this.
Product: Debt collection

Capio Partners This company is attempting to collect a debt from an Energency Room visit that occurred on XX/XX/2016. The provider was paid in full according to his contract with my insurance in XXXX of 2016. Capio Partners bought this " bad debt '' from the providers billing company and is attempting to harass and bully me to pay {$540.00} that I do not owe. 

They have been contact by my Insurance provider and provided proof of payment four times, yet they insist they have received nothing. I personally sent them the information and they insist they have not gotten it. 

After some research. I learned that Capio Partners is known for this behavior and will harass you until you pay. It does not matter if you do not owe the money.

I have also filed a fraud complaint with my local District Attorney 's Office.
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 168b permissible purposes of consumer reports. 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. 

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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Mortgage

My wife and I have completed all required documents to refinance our home loan EXCEPT for XXXX documents held by Ocwen, after I have called them many times. Our refi is being delayed without reason, thanks to Ocwen delaying sending requested information. As everyone knows, mortgage interest rates are slowly, incrementally rising, so, after having delayed us for weeks, it is quite possible that our new monthly mortgage will rise, thanks to the passing of time. These people have ignored requests for documentation Our only recourse, it would seem, spend XXXX on litigation.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am submitting a complaint regarding the personal information listed on my credit report, which has not been properly corrected despite my dispute with Experian. While my name was updated, Experian still lists incorrect variations of my name and addresses that I never authorized. 
Details of the Complaint : Inaccurate Name : The name XXXX XXXX XXXX and XXXX XXXX are listed under " Also Known As '' on my report, which are incorrect. My legal name is XXXX XXXX XXXX, and no other variations should appear. 

Incorrect Addresses : The report lists three addresses, including XXXX XXXX XXXX, XXXX XXXX, ND, and XXXX XXXX XXXX XXXX, XXXX XXXX, ND, which are inaccurate and should be removed. My only valid address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND.
Product: Debt collection

Dear FEDLOAN SERVICES : I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card

I received a notice in the mail from Chase that my Chase IHG account is at risk of suspension/late on XX/XX/2024. When I logged onto the account I noticed that there was a charge from XXXX on XX/XX/2024 for {$95.00} that I did not make or authorize and Chase NEVER NOTIFIED ME of the FRAUDULENT charge!! MOREOVER, THEY HAD THE NERVES TO ADD A LATE FEE AND INTEREST CHARGE FEE ON TOP OF THAT CHARGE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these item numerous time back I. XXXX and XXXX creditor agreed to remove it from my credit report and it still showing when I have no knowledge of the account
Product: Credit reporting or other personal consumer reports

These hard inquieres are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thank you. 

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  These Hard Inquiries were made Frauduletly I do not recognize them, Please remove them from my creddit report. Thank you.
Product: Checking or savings account

I have tried time and time again and Bank of America refuses to refund the {$35.00} I was charged because of some XXXX XXXX that decided I need to be charged an NSF fee for an item that posted the same time a deposit of mine also posted. I also receive NO communication back from this company about one XXXX thing I complain about all I see are the responses saying they " have mailed a response. '' Give me a XXXX break. I have not seen one of these letters come in the mail as of yet. 

Also, because of these fools I have had {$100.00} stolen from me that was not returned after I at least gave the person that stole it the chance to return it, which she never did. The bank refuses to take any action on my part because my account # XXXX is closed and the sorry XXXX XXXX XXXX don't want to help me recover my money because they can no longer charge me monthly maintenance fees.
Product: Money transfer, virtual currency, or money service

( Block inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error solution under requirements under the electronic funds transfer act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Checking acct XXXX came with certain perks including something called a Subscription Rebate program, which I was only able to use once because Citi could not get it working for me until many monts after I opened my account. I closed the acct but this program is still open and I get constant harassing emails about using my funds for it. I have called over and over and emailed many times but all requests are IGNORED. I have an acct XXXX : XXXX XXXX XXXX XXXX XXXX but he is USELESS and also ignores me.
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. 

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 and 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I made a payment of {$150.00} by mistake online to Title Max located at XXXX XXXX XXXX, XXXX, Georgia. I had a question about a renewal form and wanted to know about whether I needed to sign the form to renew. I cancelled the transaction. So, a couple of hours later, ( I had to wait until they open ), I called them and spoke with XXXX and asked was I supposed to sign the renewal form because I hadn't been doing that the previous months. She stated that I should. At the time that I was speaking to her, I didn't know that the XXXX went through to them. I thought I had cancelled that transaction. After we hung up, I went back online to pay {$180.00} and to sign the renewal form. That's when I saw that the {$150.00} went through. I called XXXX back to let her know that the {$150.00} was a mistake that I just made a {$180.00} payment. I asked her to put the {$150.00} back on my debit card. She stated that she had to speak to her boss about it and to not speak to my bank until she calls me back. XXXX called me back and stated that her higher uppers stated that it will take XXXX business days before I can receive my {$150.00} dollars and that I will be charge a fee. I told XXXX to forget it that I will let my bank get my money back. XXXX XXXX XXXX XXXX is my bank and they are investigating this case. That's when XXXX became irate ( that's the way she came across to me ) and stated that for now on, I will have to come in their office to make a payment. I told her okay. I also reminded her that it was a mistake that I paid {$150.00} and all they had to do was to put my money back on my card and I asked why were they mistreating me. I just paid {$180.00}. 

I have been doing business with Titlemax for a while and I had been paying them {$300.00} per month when my payment was {$130.00}. When I first took out this second loan, XXXX waited on me and we had an agreement that I will pay on the second Wednesday of every month. When I make a payment on Wednesdays, I always brought up the agreement and XXXX and XXXX reassured me that they notated in their computer that I was not technically late. That I was paying on time. I just began to think that since I have been paying {$300.00} per month and the due date is before the second Wednesday sometimes that they could have been charging late fees when they shouldn't and when I didn't know. Since I was paying {$300.00}, I wouldn't notice. This should be investigated too. 

The company as for as XXXX and XXXX is concerned considers me a great customer because I paid off my first loan a few months ago. Why are they treating me this way? Please look into this situation.
Product: Credit reporting or other personal consumer reports

I have already submitted a dispute through yall ( Cfpb report XXXX ) but i noticed on my Experian acct they did not start disputing 2 inquiries which is XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  also the collection acct XXXX XXXX XXXX- {$900.00}, XXXX, XXXX- XXXX, and XXXX XXXX XXXX XXXX. I did go and dispute on Experian site XX/XX/scrub>XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax asking them to update my address and deleted address listed on my credit report that where either not mine or have not relation to me for 5 years or more. Equifax updated my address and deleted all my credit history. I never contested the accounts on my credit report. All my credit history of more than 20 years was completely deleted, montage, loans, car loans, credit cards. The only thing being report now is 2 new accounts opened after they deleted all my credit history. I call Equifax and they asked me to send a letter requesting that my credit history was put back on my credit report. I sent the letter at the begging of XX/XX/XXXX. I called In XX/XX/XXXX to follow up on the status of my request. The representative told me they where working on reporting the deleted accounts back but it would take 30-60 days to do.