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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Formal Dispute of Charge-Off Account Reporting Associated with Account Number ( XXXX ) Dear XXXX XXXX XXXX , I am writing to formally dispute the reporting of the charge-off account associated with [ XXXX ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under Illinois law, I am requesting proper validation of this debt. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 

2. Authenticated Evidence Based on [ Your State ] Law : In addition to the accounting records, I require authenticated evidence, in compliance with Illinois debt collection laws, that you have the legal right to report and collect This debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus. 
Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws. 

3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. 


In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and Illinois state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Repor

t ( SAR ) to the IRS for suspicion of fraud. The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. Pl
ease respond within 30 days of receipt of this letter. I look forward to receiving the required documentation or confirmation that the account has been deleted. 
Sincerely, XXXX XXXX
Product: Debt collection

I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXXXXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed there is a debt from this company with claims that I owe for goods/services/loans issued on my behalf. I don't remember receiving any such things and would like to have the company verify this as such. I sent a request for validation and have yet to get a response to my dispute from the company.
Product: Debt collection

The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the XXXX XXXX or through XXXX XXXX payments. My business was shut down, out of business for two full years. Your financial institution received millions of dollars for offset losses from either XXXX XXXX or direct payments from the XXXXXXXX XXXX XXXX XXXX  Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a Chapter 7 filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian Credit reporting. I have been unsuccessfully trying to get a XX/XX/2010 Bankruptcy filling of of of their report. XXXX XXXX and XXXX have removed it. It can be removed in 7-10 years and it is the " only '' negative I have on any report. I have tried on XXXX XXXX and on XXXX XXXX. My credit would be excellent if it was removed and I should not have to wait 10 years. I have spent hours by phone with 5 different numbers. You go to a automated system and then recording comes on saying they can not help you.The ease of doing business with this company is horrendous. They will not answer the phone.When I finally did speak with some one in XXXX after over 1 hour of sitting on hold they said to bad I would have to wait the 10 years. They subsequently resubmitted the XXXX claim which produced the same unsatisfactory result. I would like the negative filling removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report due to identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. Under FCRA it stated that request would be done within 30 days this is well past that time and my patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, COMENITY, XXXX AND XXXX XXXX ILLEGALLY PULLED MY CREDIT.
Product: Credit reporting

I sent a previous dispute, but the response does not make sense. See XXXX. 
I am a vicitim of ID Theft. Federal Regulations and state laws allow me to have a Security Freeze placed on my credit file, if I provide the proper documents to the credit bureaus to place the freeze. I am sending the complaint because I sent proof of being a victim and all my documents to Experian to freeze my credit and they have failed to place a freeze. With failing to honor my request, they have left my credit open to new liabilities and fraudulent acccounts. The response I received last was that the information I provided was not complete enough in my complaint. However, I was very specific about dates I mailed documents and what was mailed. I should not have to contact Experian for a third time. My experience was that I called them and they tried to sell me a freeze or other monitoring services. I understand that this is very common practice after consulting with my insurance company and their famililarity with credit bureau practices.
Product: Money transfer, virtual currency, or money service

I was paid to write an article for a magazine by a company XXXX XXXX XXXX in XXXX. They sent me the money via their bank XXXX XXXX XXXX XXXX XXXX XXXX from their US dollar account that they have with them. They indicated to me the correct amount in US dollars plus an additional {$16.00} to cover the wire transfer fee. They wired this money to the Bank of America. They said that no intermediary bank was involved. Thus, they indicated that they sent me apx {$480.00}. 

The money I actually received into my Bank of America account was actually {$440.00}, not {$480.00} ( minus maybe a {$16.00} wire charge on their endthus, {$470.00} ), that it was supposed to be. 

Bank of America charged me a fee of {$16.00} from my end for the wire. They said there were no additional fees, and the money they received and put into my account was {$440.00}, not {$470.00}, the amount that it was supposed to be. 

The company and the banks said they did the transactions accurately and that no other fees were / should have been involved. Both indicate that my problem is not on their end, but rather on the opposite end. So, I am stuck or caught in the middle, missing about {$25.00} of my money, which rightfully belongs to me and no one else.
Product: Credit card or prepaid card

Each month when attempting to make a payment, I am told that I must verify who I am by submitting a copy of my drivers license -- I am simply trying to log in and make a payment. THIS IS EVERY MONTH!! It is to the point that when I contact Capital One, they, too, are not able to access my account as well. I spend, at the minimum, 30 to 60 minutes each month just to log into my account which I still CAN NOT to pay. Please note that I am a stalking victim ( well documented to the FBI, DOJ, FCC and other agencies ) by Delaware State Police, Troop # XXXX and this credit card originates out of the state of Delaware. I am at the point that I do not want to pay the bill since I am not sure that the payment is being applied to the proper account when I am unable to log in to verify the transaction. This is illegal!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding these discrepancies, but I have not received any response as of today 's date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} The account labeled as XXXX with Account # XXXX XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} The account labeled as XXXX  with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report. 
Account Identifier : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The account labeled as XXXX XXXX XXXXXXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The account labeled as XXXX XXXX with Account # : XXXX has never been late, and I kindly request the correction of this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.
Product: Mortgage

I am approved for the HAF. Flagstar told me months ago when i was approved to email my award letter to them at an address they provided and I would NOT be assessed any late fees during the next 18 months of the program. Now, for the first time, Flagstar has NOT applied my payment to my account in time, it has gone past the grace period, and I WAS charged a late fee, contradicting what they told me would happen. Everyone i speak to about it on the phone is clueless and just passes the buck to another dept. who can't or won't help me rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 6 Dept of education accounts inaccurately. 
They are in violation of multiple FCRA violations- The three accounts Titled DP OF EDUC- These accounts were removed in XXXX off my credit report, they then reinserted them, and are again reporting inaccurately. The accounts are all three paid and closed -- but they are reporting the Account status as " derogatory '', the payment status is reporting as " Late 120 days ''. 
The comments show that it is paid. This is all inaccurate and not reporting the true accurate status of the accounts. They are also DUPLICATE reporting to the following three accounts listed below. 

The three titled " DPT ED/XXXX These are duplicated with the three accounts listed above Also these are paid and closed as of XXXXXXXX XXXX XXXX  ( I've included the statement from XXXX ). Also they are reporting the payment status inaccurately as " Late 120 days '' and they are reporting a two year history that is over XXXX XXXX XXXX 

I've included all 6 copies of the credit report on each duplicated accounts, with the highlighted areas that are inaccurate. As well as the statement from XXXX showing a XXXX XXXX  and payment in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my Date of First Delinquency ( DOFD ) for XXXX  XXXX XXXX for months with Experian. Experian is not correcting it after promising numerous times to remove the information manually. XXXX, a supervisor from the Texas office called me on XX/XX/XXXX and said he was persaonally removing the delinquencies manually right then, and they should take effect within 48-72 hours. A call on XX/XX/XXXX to XXXX, another supervisor from the XXXX XXXX office, said nothing was done and the notes were vague and only read " All concerns addressed ''. I have proof of this from XXXX XXXX XXXX which I am attaching. The DOFD is XX/XX/XXXX and the account was brought current in XX/XX/XXXX. Please correct the DOFD and remove all late payments for this account. 

XXXX XXXX XXXX is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. XXXX  XXXX XXXX is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories. 

Late payments, called delinquencies, are deleted seven years from the original delinquency date of the debt after which it was never again current ... If you miss three payments in a row, your account would be reported 90 days late. The seven-year period would begin with the first payment you missed in that series. All three payments would be deleted seven years from that date. The date is called the " original delinquency date, '' or sometimes the " date of first delinquency. '' Please correct the date of first delinquency to XX/XX/XXXX and remove all late payments in that series through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have reported a 30-day late payment/payment status on my credit report, which I am not late.This late payment reported on XX/XX/2021, which the account is not 30-days late at all. In addition, I have contacted the company, which is XXXX XXXX XXXX, on XX/XX/2021, on that Saturday. Once I contacted XXXX XXXX XXXX regarding the late payment, they told me that they did not report that 30-day late payment and their records show that I am not late 30-days. Also, they stated that their system does not show 30-days late and their system shows as pays as agreed. So, I am puzzled on how that late-payment got on my credit report.
Product: Credit reporting or other personal consumer reports

Yet again for the 4th time today Experian closed another complaint without addressing the problem XXXX is it possible that this company can steal someone's payment history which will be go on 19 months
Product: Credit card

There was a {$20.00} discount with the food. I paid for the receipt ( attached ) with {$20.00} discount. XXXX XXXX  and Bank of America charged excessive and did not refund {$18.00} to my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about the date of XX/XX/XXXX, Equifax reinserted 2 collection accounts onto my personal credit report. Both accounts had been previously disputed & subsequently removed from my report. I did not receive the legally required 5-day written notification, nor did I receive notification of any kind. 
The 2 collection accounts are listed below : RECEIVABLE ORIGINAL CREDITOR NAME : XXXX   XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$830.00} I have tried numerous times to submit a dispute to Equifax in regards to this matter. As they completely eradicated most of my credit history on or about the same date of XX/XX/XXXX, I have been unable to verify my identity to access my report.
Product: Credit reporting

I am inquiring about XXXX and XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan with Chrysler Capital in XXXX. There was a civil matter between myself and Chrysler that started in XXXX. I believed I had satisfied the loan back then and unbeknownst to me at the time, apparently Chrysler did not. As time went by, I realized that Chrysler was reporting the loan account as a " charged off '' account. I tried to work with Chrysler years ago to have them report the account as satisfied but nothing was resolved. I also tried to dispute the account accuracy with the credit bureaus with no luck as Chrysler was not reporting accurately to them. 

After becoming completely XXXX and suffering a XXXX a few years ago I just let it go for awhile. Now, it is over 7 years since this account was closed and I just wanted it deleted from my credit report. The past couple years the account was not even being reported at all to the credit bureaus by Chrysler. 

So just recently I disputed it with XXXX XXXX stating it was an old account that should be deleted. When I got the " investigation '' result, XXXX XXXX said that Chrysler told them it was a current open account that was a charge off and because of this my score dropped XXXX points! What!!!! My score drops XXXX points because of a dispute and unlawful inaccurate reporting by Chrysler to the bureaus?? By legal definition a charged off account is a closed account and Chrysler hadn't even reported anything to the bureaus for a couple years and now as I dispute it to get it deleted, Chrysler says it's open???? And a charge off at the same time???? On an account that has been closed for over 7 years???? 

Can you please help me correct this unfortunate situation and make Chrysler follow the law with accurate reporting and helping me get this old account deleted from the credit bureaus. Thank you so much for your assistance in this matter. 

By the way, I also included XXXX XXXX in the complaint but their hands have been tied because of the unlawful and inaccurate reporting to them by Chrysler. They are just doing their job so I have no issue with them. I just needed to include them so You would understand the situation and how it's reflecting my credit score.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, XXXX, I contacted Grain XXXX about an issue regarding their App systematically deleting my banking information to make the minimum payment required. This caused them to report late payments to my credit report without adequate caused. I informed them that they should not have done this because it was a internal issue with their app which caused the delayed payment. They failed to rectify this issue even after having valid proof that their application wasn't working properly. 

However, I did not receive any feedback until XX/XX/2022. I then spoke with a tech supporter and sent a video recording of the app appearing blank and not showing any of my personal information. I continued to speak to XXXX ( customer Technology Customer supporter ) striving to rectify this issue. 

On XX/XX/XXXX, XXXX, without rectifying the Application issue Customer service stopped communicating with me. I submitted a consumer fraud report to them on XX/XX/XXXX, XXXX, informing them that their business was fraud, that they where taking consumers information knowing that their Application wasn't sufficient to report bad debt and sell my information to other private companies for a hefty profit.