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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the reports relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find unauthorized inquiries on my credit report, and I have no explanation for how they got there. I check my report regularly, but today, there are glaring mistakes that werent there before. Refreshing my browser didnt fix anything, and the unauthorized inquiries stayed. Im deeply frustrated by this and need you to review the documents I sent with care to get this resolved once and for all, so I can move on without worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates on late payments and balances are not accurate and collection status should not be on my credit report. 


XXXX XXXX XXXX BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX BALANCE : {$610.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) BALANCE : {$830.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) BALANCE XXXX {$2000.00} STATUS : DEROGATORY ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Experian several inaccurate and unfair practices. Experian breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Experian is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Experian has brought upon me the consumer for knowingly violating and practicing the behavior.
Product: Checking or savings account

I have been a member of Navy Federal Credit Union since XX/XX/year>. I had checking accounts with overdraft protection. I would always get an overdraft fee. Last year I was unemployed. The overdraft account was drafted several time and I paid it back. Unfortunately a few hit and I was not able to pay it back promptly. A XXXX transfer hit the account and reduced the amount in overdraft but nfcu closed my XXXX XXXX XXXX account and reported the balance to credit bureau. They knew I was getting assistance on other loans but they still closed the account without working with me for fees they charged on top of insufficient fees. I have had hard year but NFCU made it worse by not working with me.
Product: Credit reporting or other personal consumer reports

I wrote to the company about two credit inquiries in my report. I explained that both were unauthorized. 

XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After a short investigation, the company validated the inquiries. 

I also wrote the company in regards to incorrect information being reported on an account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Lastly, I wrote regarding case number : XXXX FILING DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Debt collection

I have been dealing with Heritage Acceptance Corporation for over a year in paying a debt owed. XXXX contacts me by text as well as calling my employer numerous times on the same day. For instance I have received 2 phone calls today XX/XX/2018. On XX/XX/2018, she called me 3 times with respect to a debt. The company has my cell number and can contact me by that phone and/or texting, but continue to call my work which is harassment. 

XXXX tries to get forceful on the phone indicating that my wages will be garnished if I don't make payments. I had to correct her and state that can only be done if a lawsuit is filed. 

With regards to payments, I have consistently made payments for the last 3 months for at least $ XXXX month and that is showing good faith payments, therefore they can't pursue litigation.
Product: Credit reporting or other personal consumer reports

Equifax has failed its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct 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 Equifax, 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 Equifax 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 Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Nature of Complaint : Potential Identity Theft and Fraudulent Mortgage Activity I am the sole owner of the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. This property is free of any mortgage or other encumbrances. 

I have recently received multiple mail items purporting to be from XXXXXXXX XXXX or related third parties. These items suggest that unknown individuals are attempting to acquire a mortgage for my property. ( Please see attached PDF binder for images of the mail items. ) The individuals named in the mail items are unknown to me and have never resided at my property. I believe I may be a victim of identity theft and that fraudulent mortgage activity is being attempted on my property. 

I request that XXXXXXXX XXXX and its affiliated or related third parties immediately cease and desist all actions relating to this property. I also request an investigation into this matter to identify and hold accountable the parties responsible for this potential fraud. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management , Inc. has repeatedly harassed and attempted to collect a debt in the amount which has never been verified or proven with documentation that the debt is in fact legitimate. This company and its affiliates have been proven to use illegal tactics in the past. Midland Credit acquired this debt from XXXX XXXX  and has been adding compound interest. This debt was originally under a XXXX dollars and is well over 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX XXXX : {$930.00}.
Product: Debt collection

Midland Credit Management has continued to call my office phone despite my repeated attempts to inform them that I am not who they are looking for and multiple requests to be removed from their system.
Product: Money transfer, virtual currency, or money service

i have been scam for money laundering. they took my {$250000.00}. and made deposit in Truist bank in south Carolina XXXX XXXX account. than made wire transfer to XXXX XXXX i hope you help me get my life saving money. Bank not helping.
Product: Credit card or prepaid card

Starting around  XXXX   XXXX , some strange charges began to pop up on my accoun t. ( I Have A  RushCar d ). B eing the product of a scam months ago i have n't felt safe enough to open up another card with another financial institution so i decided to go prepaid for a while & boy was that the worst idea ever!!     Sine  XXXX   XXXX  there have been multiple other charges on my account to other establishments and in the end i ended up losing at least {$300.00} in this process. I have repeatedly tried to contact RushCard via email & phone for 6 days now and i still have n't heard back from anyone in regards to this situation. I 've found more luck in directly calling the establishments themselves. I have bills to pay and since i cant speak to a representative i now can no longer pay my bills and that is unacceptable because I have a  XXXX   year old who  needs things!!!     it is so distasteful that rushCard has a phone number but does n't give you the option to speak to a rep & even after using their suggested ways of contacting the company you still get no one. i need this to be resolved and i will probably NEVER USE RUSHCARD AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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.

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, credit repair services, or other personal consumer reports

It shows my account is delinquent but it is up to date. 
I have paid everything on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing once again about my dispute with Kohls department store. The prior complaints have not been addressed and I continue to receive a generic, self automated response from this company. I have tried to reach out to the company to speak with XXXX XXXX Executive Correspondence Lead Office of the President Kohls Department Stores. She indicated in response to the CFPB that if I had further question I could call her to discuss them. I called Ms. XXXX XX/XX/2020 and left a voice mail message and have yet to receive a return call. They are not attempted to resolve this issue with me. They have responded to the CFPB but refuse to speak with me. They see me a a nuisance and have responded to you only because they are required to do so by law. I would like have this issue resolved and not pushed aside as so frivolous compliant filed in my behalf
Product: Credit reporting or other personal consumer reports

This company is once again in direct violation of 15 U.S.C. 1681c-2 ( a ). On XX/XX/24 I sent certified mail # XXXX identity packet phone number XXXX. Its been over the time limit allowed under the FCRA and the unauthorized information is still on my credit report to which it should have been blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian RE : XXXX XXXX Dear Experian, This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( XXXX XXXX. XX/XX/XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease, reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please UPDATE THE PAYMENT HISTORY of the following inaccurate item. XXXX XXXX XXXX XXXX NEVER LATE. THE INFORMATION BEING REPORTED IS OUTDATED AND CONTAINS ERRORS I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339, ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/, XXXX XXXX
Product: Debt collection

I called this collector to explain me this debt, I'm not received what is the debt they charge me. She told me is for fee or cleaning something like that but that was not my contract, I was leasing and my contract was finish I'm just move to another appartement.
Product: Student loan

My loan was put into administrative forbearance against my wishes. Anytime I tried to call Mohela in the past few weeks, I was never able to speak to a person nor given the chance to have them call me back.
Product: Credit card or prepaid card

I applied for the American Express Magnet card with the following two promotions : 1 ) 0 % APR for 12 months 2 ) {$200.00} cash back after spending {$1000.00} in the first 90 days. 
When i chatted with American Express customer service - I am told that i am not getting either of the promotions. I feel cheated - if that was the case - I should be told in advance and I won't have opened this card at the very first place. This is dubious act and fooling the customers. 
Moreover Amex doesn't let me send the chat to my email nor let me print it.
Product: Checking or savings account

XXXX shut down my checking and savings account XXXX months ago toward the end of XXXX. I called immediately and a representative stated that the funds in my account would be sent to me via check in a couple days. After that, I waited for XXXX months until now when I called again and a representative told me to go to a location near me so they can help me. I went to a location in person and they told me to call the phone number to get help. Nobody can tell me how long it will take to receive my funds. I am a college student about to lose their housing and income. Please help.
Product: Checking or savings account

This company has made false and misleading statements in regards to the fact that this issue occured due to an account being created when paying an invoice online. When this invoice dated XX/XX/XXXX was paid, I mistakenly entered my email address incorrectly causing an account to be opened with the incorrect email address. I had absolutely no knowledge of the error because when the confirmation came through it confirmed the email address of my correct account XXXX. Even when the claimed was filed I confirmed the email address as XXXX. The agent did not at that time inform me that this invoice was paid under a different email. It wasn't until I had the issue of the denial escalated that it was communicated of an error in the email. At which time, approximately XX/XX/XXXX, that I activated the email address XXXX as it was inactive and available. I have reached out to XXXX who have provided me documentation of when the gmail account was created. Which contradicts the company 's claims that the account was created on XX/XX/XXXX and a verification email being sent and responded to. That is false! 

There was never any verification email sent nor any communication regarding this claim. Not successfully at least! Neither did the company communicate to me of any requests for any additional information during the many phone calls made in regards to the status of the claim prior to it being denied initially. They also failed to have a real person actually adjudicate the claim, in turn the system generated a request for information that was explained in detail during the filing of the claim. I don't believe the company had any intentions on honoring their protection plan by accurately adjudicating this claim. The company has fabricated the events in an attempt to justify their lack of communication, failure to provide accurate information to thoroughly adjudicate claims and made false claims as it relates to the fact surrounding the events. The company has not made any attempt to do their due diligence to rectify this issue. They have only responded with excuses and lies to keep from paying the claim. 

I am attaching a copy of the previous complaints that includes the companies false statements, a copy of the computer generated denial I received multiple times and documentation from XXXX that confirms the date the incorrect email address XXXX was actually created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It has been more than 30 days and I did not receive any response. Also, I did not notice any investigation made because there are no changes in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting me as 120 days past due on XXXX XXXX XXXX XXXX accounts that have a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the partial account numbers for reference : XXXX and XXXX.