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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$20000.00} : US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was a victim of identity i noticed XXXX reporting 3 accounts on my credit file so i filed police reports i wrote a letter explaining my situation with copies of my id social security card and police report they did not remove the fraudulent accounts and said that XXXX is saying its accurate so i requested documents on how Experian and XXXX conducted their investigation and requested proof of this investigation i requested to see where I would have agreed to this loan they both fail to show proof
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of a false late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Account Information : Account Name : XXXX  Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$2900.00} Balance Owed : {$0.00} Account Status : Closed, Paid Account Type : Unsecured Loan Term Length : 18 months Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time.

Discrepancy in Reporting : Equifax incorrectly reports a 30-day late payment in XX/XX/XXXX despite no missed payments being made. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request.

Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Received a call from a  XXXX   XXXX  claiming to be a privat e investigator  for the pinn acle Group.   Claims that I have a breach of contract with  XXXX . The original principal that was charged off was {$610.00}. Now with post charge off and with an interest rate of 24.99 % the fees are at {$1100.00} making the total claim {$1700.00}. Also after legal fees the total amount due is {$2900.00}. I am being told that a lawsuit is being filed on  XXXX , my bank account will be garnished but I have the chance to settle for 50 %. If settled a release of liability will be sent to me so I can forward to all creditors.  <P/> Claim #  XXXX  number to  XXXX   XXXX  ext  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans with XXXX XXXX, which are in default. XXXX XXXX was either sold or changed its name to Ascendium. Ascendium is now reporting my loans like the default just happened all over again. This is unethical and dishonest. My default is old, not something that just happened.
Product: Credit reporting or other personal consumer reports

They are report inaccurate information and violating my privacy rights. On top of that I never gave consent to anyone to share my personal information with anyone or my transactions. Not only that I have sent numerous letters in to resolve this matter but no one has sent me the information that I requested. My last dispute was XXXX XXXX and they never replied back or sent the information I requested.
Product: Credit reporting or other personal consumer reports

I SENT THIS LETTER Subject : Request for Validation and Investigation of Account under FCRA Section 609 Dear XXXX, TRANSUNION, XXXX, I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account.

4. Documentation detailing the chain of ownership of the debt if applicable.

5. Any additional evidence used to verify the accuracy of this account 's reporting.

If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA.

Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reporting accounts XXXX XXXX and XXXX XXXX that doesn't belong to after. After submitting proof and ftc report the credit bureaus refused to remove accounts.
Product: Credit reporting

On XXXX/XXXX/15 Experian received, per US Postal Service Cert. Mail, my request to investigate and then remove a number of outdated and incorrect items on my Experian credit report. To date XXXX/XXXX/15 the items still remain on my report as per their on line viewing of my report. I contacted them today and advised them as per FCRA and your bureau that those items must be removed because they did not act with in the 30 day time frame. I would ask that you act on my behalf to inforce the laws of financial protection and also include me in any legal action against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account information was compromised by the Equifax hack that occurred in XXXX XXXX, and was announced in the beginning of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Late Payment XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, 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 to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/XXXX to inquire about this debt. Credit Management , LP informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from Credit Management , LP, again as XXXX, and again as XXXX account number XXXX as till owing.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
XXXX XXXX {$24000.00} XXXX XXXX Bank {$760.00} XXXX XXXX XXXX  {$9400.00} XXXX XXXX XXXX XXXX {$380.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX  {$0.00} XXXX XXXX {$9200.00} All the accounts that's listed are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into this matter and immediately remove this fraudulent public record from my credit report. The continued presence of this fraudulent public record is unwarranted and damaging to my credit standing. 

XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I asked back in XXXX or XXXX for escrow information since my account online was showing one amount and my paper bill was showing another. Payments to neither my Insurance NOR my property taxes had been paid even though Guild stated it was. Customer service could not answer escrow questions completely and was given the run around. I asked when yearly escrow statements were coming out and was not answered. Was ignored when I asked over XXXX 
Today, I get my bill in the mail and it has gone up over {$60.00} a month and no escrow statement is available online to me NOR has it been mailed as required by law. 
Also in the past i have asked to be told if i can get rid of my escrow account and i have yet to get an answer on that.
Product: Credit reporting or other personal consumer reports

I did not authorize any open accounts and charge off my identity was stolen I reported it and nothing was resolved
Product: Payday loan, title loan, or personal loan

On, XX/XX/2020, I ordered a sheet set from XXXX XXXX and agreed to pay with Quadpay, four equal payments of {$39.00} scheduled every two weeks. On XX/XX/XXXX, XXXX after making two payments, I emailed XXXX for status on shipment. They replied the order had not shipped. I requested to cancel my order and XXXX   emailed me proof of cancellation due to non shipment the same day. I also notified Quadpay on XX/XX/2020 by email of my cancelled order, with a screeshot of the cancellation from XXXX and asked when I would receive my refund. Quadpay said it should take 3-5 day but sometimes up to 13 days. I emailed Quadpay again on  XX/XX/2020 of no refund and they replied they would have to look into the matter because they did not see the cancellation. I resent the proof of cancellation and told them I was also receiving notifications of payment due on the cancelled order. They respond they will look into it. I now have late fees, loan default and they have not cancelled my account or refunded my payments. Quadpay does not answer the phone and I get the same standard message of how long it takes and we will look into it every time I email to communicate my grievances.
Product: Debt collection

I started having communication with Forster and Garbus years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. I had since left that career and sent payment when I could to the Sheriffs Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to Forster and Garbus for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.
Product: Debt collection

In the year of 2013, I contracted XXXX as my cell phone provider with XXXX phone lines. 
As time went out I realized that XXXX had not a good cellphone coverage where I live, I contacted customer support and was given the run around, they told me that I could cancel. Never told me that I had to pay for the cancellation of the lines. 
Next thing you know, I started getting harassing calls from Debt Collector trying to collect {$1500.00} for cancellation. The caller gave me a settlement for $ XXXX put me on a payment plan that everytime I would get paid the money would be taken out in which I agreed. 
after paying the {$1000.00} I noticed that they continued to take out an extra {$200.00}. I called and asked them why, and they said that since I did n't pay the account in one month the settlement would have been cancelled- they failed at telling me this. 
Now I have a balance of {$350.00} and sent me to collections which has affected my credit- they lied to me so for a {$1500.00} I paid {$1200.00} which was {$200.00} over our agreement and now I 'm in collections! Please help me.
Product: Debt collection

I received a bill statement for a debt by a  XXXX  party company. I requested debt verification from the debt collection agency, they have reported this debt to all the collection agencies. I received a verification of debt with my medical records number, itemized charges and procedures that were done. I believe this info has violated the   XXXX   XXXX  , I did n't give permission for my info to be released to any  XXXX  party agency. I did n't give anyone permission to release my medical info to anyone besides the attending  XXXX  for treatment of service
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$53.00} ; XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED THE CFPB 'S HELP. I 100 % feel neglected by Transunion, XXXX, and XXXX. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX settlementXX/XX/XXXXXX/XX/XXXX I had 3 loans which met this criteria each one was established during XXXX by XXXXSallie Mae XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XXXX XXXX XXXX. Per them report to XXXX my last payment was in XX/XX/XXXX on a accounts established in XXXX and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XXXX XXXX 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With Sallie Mae still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from XXXX and XXXX and all remedies applied per the settlement.
Product: Checking or savings account

My atm card was fraudulently used {$4500.00} us bank denied the claim