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

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX  XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that XXXX  is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that XXXX  is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because XXXX  is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!
Product: Debt collection

I have attempted several times to have this company to VALIDATE this alleged debt, to no avail.I do NOT owe this company {$6300.00}. This inaccurate, incomplete, misrepresented account has been removed & reinserted from my credit report a minimum of 4 times in violation of FDCPA Sec 611 ( a ) ( 5 ) ( B ) and reinserted without the pre-requisite 5 day notice before reinsertion, nor has this company complied with my request in accordance with FCRA Sec 609 to provide the original instrument of indebtedness upon my request.I also requested accounting history in accordance with FCBA ( Fair Credit Billing Act ) information request, which entitles me to a detailed account history and info. 



This account was removed on or about the following dates XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX- XX/XX/2019 XX/XX/XXXX-XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are governed by 15 USC 1681. After providing my vital information Equifax, XXXX, and XXXX disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over.

According to the FCRA AKA 15 USC 1681 i never authorized any credit reporting agency to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 

I have not received any response from Equifax, XXXX, and XXXX by mail or email. Equifax XXXX, and XXXX has failed to verify its method of verification as required by the FCRA. 

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter if Equifax, XXXX, and XXXX choose to continue to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax, XXXX, and XXXX inaccurate/false reporting. Please attach if any an authentic signed contract whereas I gave Equifax, XXXX, and XXXX permission to report this account ( s ) mentioned herein as it will be used for my own and a judge 's inspection if this matter escalates XXXX XXXX to contest these matters. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this follow up complaint to once more for a reason that am still seeing these accounts in my Experian and XXXX credit file. And it was already making me anxious as even how many times I am requesting the Experian and XXXX Credit Bureaus to investigate and rectify the inaccuracies associated with these accounts, they persist in displaying the wrong status. And this blatant disregard for accuracy has unjustly tarnished my credit standing and scores. I have made my decision, and it's high time the Experian and XXXX Credit Bureaus to REMOVE these specified accounts from my credit file : EXPERIAN : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX : XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX Date opened : XX/XX/XXXX Balance $-
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Accounts in question XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$54.00}. 

XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 

XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have 2 late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. 

XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. 

XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$27000.00}. 
I dispute the missed payments and late payments on this account. 

XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$660.00}. The original creditor is XXXX XXXX XXXX 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$420.00}. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX.
Product: Debt collection

During the Covid-19 Pandemic I did not take XXXX XXXX  of unemployment or PPP funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Product: Debt collection

My ex husband opened an account up in my name and charged it up prior to moving out when our divorce was finalized. I am not responsible for this debt at all. I have been fighting with this for years now, and I want it gone and off my credit report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX   XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XX/XX/XXXX. 
The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for XXXX former XXXX students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX will forgive {$100.00} million in outstanding loan debt held by more than XXXX former students. 

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion. 

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. 

*Indiana Attorney General XXXX XXXX XXXX the deal will provide {$5.00} million in loan forgiveness to XXXX XXXX students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this sallie mae closed my accounts but did not remove them. I would like them removed also
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to XXXX, XXXX, and Transunion to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.
Product: Credit card

I was contacted via phone - the person claimed to be a Citibank representative and said that they called me to lower the interest rate on my credit card. They asked about my phone number, type of my Credit Card, my CC number and the expiry datye of the CC. They asked me to confirm the last XXXX digits of my SS number. I suspect this might have been a scam and the info they obtained could be used to purchase goods. I would like to ask for verification.
Product: Mortgage

Hi - I need help with loadcare. They are charging me late fees when late fees should n't be applied and can not help with this issue via phone support. They 've told me several times that I have to go through their email services, which I have for the last four months and the emails go un-responded to. The good thing is they send you an email which shows that the email has been received and sent. 

What are my options? 
Link : XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX Loan number : XXXX I need all late fees, that should n't have late fees applied back to my account. 

Thanks XXXX
Product: Credit reporting

I had a negative item that was recorded in error, a state tax lien. it was removed last week. I was surprised when my credit score instead of getting Jump got a hit, it went down from XXXX to XXXX a XXXX points without any new entry or or addition to my credit report other than Removing the Recorded in Error Lien. It seems that after complaing to CFPB about Equifax refusal to remove the Recorded in Error lien, equifax decided to take revenge and Punish me for complaining?! 
But the issue here, i am trying to get a XXXX Loan and such agregious act by Equifax would mean that i may and may not get that loan. And in case i get, i would have to pay Considerably high interest Rate. 
Please Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don know anything about this company at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Acct # XXXX Attn : Credit Bureau Disputes To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX  has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to AMEX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AMERICAN EXPRESSs customer service representative.
Product: Checking or savings account

I have been banking with chime for quite awhile now and have had absolutely zero issues with them. Theyre general customer support is always very fast and courteous which makes this current situation even worse overall. On the night of XX/XX/XXXX and into the early morning of XX/XX/XXXX i had XXXX unauthorized transactions to a website totaling over XXXX dollars and completely wiping my bank account of any funds. I immediately disputed every charge and was in a frequent chat with the dispute support team with my claims. I was lead to believe that a temporary credit would be served to my account while they " investigate " the charges which was great news since i had significant bills that needed to be paid. On XX/XX/XXXX at XXXX XXXX  i recieved a very short e-mail saying no fraud occured and no credit would be issued, if i have questions to contact their support staff. I immediately messaged the staff only to recieve a computer generated response telling me i could recieve the documents they used to make their decisions but it would take at least 10 days, which is unreal to me. Im currently out over {$800.00} and its completely not my fault with absolutely no support besides the same generated computer response i get no matter the question i ask. I love this bank, its easily the best ive ever used, but this is awful and has destroyed my family and i 's mental state.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION : My ex-husband fraudulently signed my name on his school consolidation loans in 2001 ( unknown to me ). He was found in contempt of court for not paying, ordered to pay off in 30 days, & required to pay All my Court/attorney fees. Collection efforts were ceased against me due to fraud aligations. By the time I discovered, the statutes of limitations had run out for criminal charges. Their " dispute '' process is out of order frequently. Things disappear & reappear, I was docked 28 points for using .77 % of my available credit balance, then thry tried to sell me a credit card. TransUnion has been completely a abusive of their power over my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX