23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello., I disputed through the BBB XXXX accounts by a company called XXXX on my credit report thinking there would be no problem with them being removed. XXXX and XXXX removed them all as unverfiable. Equifax to the BBB that they verified the accounts, but I dont believe so. The information Equifax gave me was the exact contact information that was on my credit report. They did not give me names of representatives. Nothing. I am just very confused why they havent removed them. The other XXXX credit reporting agencies did. I also have XXXX more collection that is on my account that is reaching the seven year mark. I would kindly like it removed if possible. Its from a company called XXXX XXXX. I really did not want to open a dispute with them through the CFPB, but knowing the fact that XXXX and XXXX removed them all is really alarming to me. I am attaching XXXX documents showing that both these agencies did indeed delete them.I also would NOT like a message to the CFPB saying " we are working '' on it and making me wait a lot longer. I want this derogatory information removed upon receipt. Also Equifax has blocked me from opening a new dispute. In there dispute center. I put it in about 10 times and submitted. I have XXXX confurmation numbers saying these accounts are under investigation, but in actuality. I XXXX back into the dispute center and the dispute is if it has never happened. I would like this practice by Equifax investigated as well. I can provide all those dispute numbers in the future as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information listed on my credit report. As a survivor of human trafficking, I am exercising my rights under the Fair credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) to request the immediate correction of the following items : XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX  ( Account # : XXXX ) XXXX. XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a 30 day late payment from XX/XX/2016. The creditor previously removed it as per a prior complaint made with CFPB. The creditor reopened the account and is reporting the same XX/XX/2016, 30 day late payment.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX, XXXX  I am sending this request myself XXXX  address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

JPMCB XXXX XXXX Opened : XX/XX/2015 Balance : {$8800.00}
Product: Debt collection

This man called my brother in another state, XXXX XXXX in Oregon, I am in California and have a current phone number in my credit. pretending to have an appointment with me in regards to a company that he didnt represent. This caused me undo hardship in having my personal issues divulge to my brothers judgment. 

This person than threaten legal action saying he was an attorney when I called to speak with him I arranged payment out of fear. He charged my account XX/XX/2021, and I still dont know really if Im liable for this amount, he did have my credit and information. I asked him to call me, several times after the first interaction, but could not. The amount taken wasnt agreed upon, I dont know if they are going to continue to harass me or my relations
Product: Student loan

I spoke with Mohela on XX/XX/XXXX because they fraudulently had my loans in Borrow Defense forbearance ( never requested by myself and requested SEVERAL times to have removed ). I am working toward Public Service Loan Forgiveness and have 14 payments left to qualify as long as I continue XXXX at my current location. When I spoke to Mohela on the XXXX I was told my loans would go into repayment on XX/XX/XXXX and I could make my payment ( which I did ). My loans did not go into repayment as they should have an now my account says the forbearance is there until XX/XX/28. This not what we agreed to. So I made a payment of {$210.00} which does not count toward the PSLF credit. I did not get credit for the month of XXXX toward PSLF even though my Employment verification form was in their hands and they gave credit for XXXX and XXXX ( NOT XXXX ) and I made a payment. I can not wait on hold for 3 hours again because I am a XXXX  so calling them back again is not an option. They do not respond to their messages.
Product: Credit card or prepaid card

I have a hard inquire from your company without my consent or knowledge that has resulted in my credit score dropping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( XXXX  ), XXXX XXXX/XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX, AcctXXXX  ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX. Transunion ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX. Transunion ).
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15USC 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
Product: Bank account or service

I went to the Bank of America on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX at XXXX today, XXXX/XXXX/2016. 
My mom and my sister double counted the cash I was depositing right before I went into the bank, it totaled {$10000.00}. We have counted and triple checked the amount was correct. When I got to the teller to deposit, I told the teller ( Tlr XXXX ) I am depositing {$10000.00} and gave her the deposit slip. Then I gave her XXXX envelopes, each containing {$5000.00} each. The white envelope had paperclips, each paperclip totaled {$1000.00}. 
1st paper clip : XXXX x {$100.00} 2nd paper clip : XXXX x {$100.00} 3rd paper clip : ( XXXX x {$20.00} ) + ( XXXX x {$10.00} ) + XXXX ( x {$50.00} ) 4th paper clip : XXXX x {$100.00} 5th paper clip : ( XXXX x {$50.00} ) + ( XXXX x {$20.00} ) + ( XXXX x {$10.00} ) + ( XXXX x {$100.00} ) The yellow envelope had a rubber band around all the XXXX x {$100.00} bills. The teller took out all the cash from the envelopes and separated the money. She separated by different bill amounts, {$100.00}, {$50.00}, {$20.00}, and {$10.00}. I could n't really see what she was doing behind the counter. I had to look over to the machine to see it was {$9600.00} before she said anything and then I asked her, it 's short? And she said yes, it 's {$9600.00} instead of {$10000.00}, I became concerned and called my mom. And I asked her to run it by the machine again. I leaned over to look and she separated the bills and let the machine count each {$100.00}, then she added the {$50.00} and {$20.00}, etc., counting each bill separately which I found weird. I can barely hear her speak, I had to ask her what she said two times. 
She asked me to change the number on my deposit slip and to initial it. I could n't help but think where did the {$370.00} disappear to?! We had counted it over 10 times, by XXXX different people right before going to the teller. Everything was in the envelope and inside my fanny pack that never left my body, and it added up to {$10000.00}. I left the bank thinking maybe it 's at home?? I would 've never thought it could possibly be the teller stealing. Then maybe it could be the machine that counted incorrectly. I called the bank and a lady named XXXX stated to call back at XXXX XXXX or they will call me back when they have counted their 'drawers '. XXXX XXXX came, and XXXX called me stating the cash were counted correctly to the transaction, matching the amount in their system. 
Then that 's when I started thinking what if the teller had taken the money, it would n't be in the drawer. I started googling instances where teller would steal the deposit money and a lot of the situations came up and XXXX in XXXX where a teller working at XXXX XXXX was arrested for. I started to worry and I 'm afraid that branch would not assist any further especially when I was accusing the teller of stealing. I wanted them to look at the surveillance camera. Please help to look into this Bank of America branch, XXXX XXXX XXXX, XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was forgiven and removed in XXXX now its new as counts open saying XXXX all are incorrect there was never any late payment history Ive lost XXXX  points in 3 DAYS from XXXX they say its verified but hasnt produced and proof
Product: Credit reporting

XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX/XXXX/2015 Dear FTC : I wish to complaint about Equifax Credit Services, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 
Equifax refuse and ignore to investigate and correct fraudulent info on my credit file. 

I am filing my complaint because in the pass several years Equifax ignore and refuse to investigate and make the necessary correction on my file. This fraudulent business practice make me loose a lot of money and lost a lot of business opportunity 's. 
I did request several time over the phone and buy regular mail to Equifax correct the fraudulent credit report, lately on XXXX XXXX, 2015 send a certified mail with return recite but is bin nothing happened from Equifax. 
Please attachment. 

I do believe that Equifax business practice is unfair because I given numerous time opportunity 's to correct and I believe that Equifax haze an obligation to me. 

I also requested numerous time to send me my annual free credit, but Equifax ignore this request also! 

I believe that the FTC haze the power to make Equifax to correct and send my corrected report to me on the next short period of time. 

I look forward to hearing from you as soon as possible to resolve this problem. 



XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

I hired a credit repair company called XXXX XXXX XXXX. They turned out to be running an illegal credit repair company and was shut down by the FTC. I disputed the charge with my bank at the time Comerica bank. They gave me temporary credit of {$2000.00} until investigation was complete. When investigation was complete they denied my dispute and said that i signed a contract with credit repair company so it was valid charge. When i told them what I signed was a fraudulent contract and to reopen the investigation. They denied me to reopen investigation. I had supporting documents to show they were illegal credit repair company they still did not reopen so i went to a different comerica bank and spoke to a manger by the name of XXXX XXXX XXXX XXXX XX/XX/2022 and gave him the documentation proving my dispute was correct. He got back to me and told me the reason they denied my dispute claim even though it was a legit dispute claim, was because the company has had its bank accounts frozen by the FTC and had no way of recovering the money back so i would have to wait til that case gets resolved and try again. They ended up closing my bank account with a negative balance of {$2000.00} from the dispute temporary credit and reported me to XXXX. So now I cant open a bank account because of Comerica refusing to agree with me on the dispute dispite having all the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. 

The information provided on my consumer report is damaging my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from Experian LLC XXXX I have reviewed my credit report and found that there are violations of the following federal laws : 1. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score.

2. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law.

3. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law.

I am requesting that Experian LLC promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that Experian LLC provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Ive checked my consumer report and the personal information that is reporting is not accurate and is not authorized by me. I am requesting the inaccurate information to be removed from my consumer report immediately. 

Please remove the following names from my credit report. This is not my name nor have I authorized anyone to use this name. 



Please remove the following address on my consumer report, the addresses that are listed are incorrect and were not authorized by me. 



Please remove the following employers on my consumer report, this information does not apply to me.
Product: Debt collection

This company has repeatedly sent me via mail debt collection that does not belong to me. It has other people 's names on the document with the same last name as me. I do not know these people, I am not related to these people and I have not had any XXXX XXXX. I have already ask them to stop this false information, and to stop contacting me. The continue to harass me via mail. If someone could contact them and please let them know this is not me and to stop harassing me please.
Product: Payday loan, title loan, or personal loan

I received a XXXX loan. The balance of loans typically goes down with monthly payments, but no this company charges daily interest so there's no way of paying the balance down. So instead it continues to rise even tho monthly payments are taking out of my bank account.
Product: Debt collection

Capital One, accused me of fraud. I opened a Capital One credit card, and didnt have the card long. Next thing I know they accused me of opening another account and owing debit. They tried to say the address of the Capital One that was not my debt was sent to the same address as the one I applied for which was FALSE! I disputed and spoke with them several times and every time the associates would call me a liar and say I indeed opened the card that was owed the debt & was not trying to let me explain. I tried disputing the XXXX and nothing. Capital One said I was not allowed to open more than XXXX dispute. However, I let them be aware that my social security was stolen a few months before and how I temporarily stayed at an address where my social was sent, yet the person at the address was contacted and they claimed they sent my social back to social security and Ive tried talking and calling and they are not willing to help
Product: Consumer Loan

I obtained a loan with GM Financial in XX/XX/XXXX for over XXXX. On XXXX XXXX, the car was totaled. My insurance company received a payoff in the amount of approximately XXXX. They offered {$14000.00} which was credited to my account on XX/XX/XXXX. 
I was past due in my payments and an amount of {$1500.00} would have brought me current on XXXX XXXX. We are now in XXXX and I checked my account which stated I am still past due with a total amount due of {$1500.00}. I have spoken to numerous " agents '', all who have told me that I am still past due because the monies received came from a XXXX party and not me. I raised numerous scenerios, all which irritate the " agents '' more at which one in particular ( XXXX, agent XXXX ) told me the real reason why she is not going to work with me about my concern is because my account is coded as a do not contact and I ask too many questions and I have a " harsh tone ''. These are the questions I asked:1. SO if the check came from an uncle I would be considered late? 
- no because he is not a company2. If the check was for the full amount would the late fees be returned to XXXX and I will still be responsible for the late fees? 
- no ( no reson was given, it was at this point they begin to argue with the terms of my agreement ) 3. If I received the monies from XXXX XXXX and sent the payment myself then would I still be considered late? 
- no, because we got the money from you. 

Here I am, unable to get a car because this company wants to be retaliatary and continue to code me as past due. Agent XXXX stated he can not give me anything in writing regarding how they process payments because there is not one available, and other agents have said things from, call an attorney, we already spoke to you about this, or wanting to argue that I still owe because the full amount was not received, which was not the issue in the first place. The issue is how can I continue to be past due on a loan that had a minimum payment due of {$1500.00} but they received payment of {$14000.00}?
Product: Debt collection

I have a major debt collection reporting on my credit that is not mine. The debt appears to be from public records in which I do not recognize the details of this account. I believe that this matter is the result of an identity theft.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX billed me for a service that should not have been performed. It was an annual visit. I refused to pay the bill, called and talked to multiple people and departments for the longest time. They didnt care. Wrote it off and send it to collections. 

XXXX  - LJ Ross Associates tried collecting the debt from me for some time. I explained what happened and eventually they stopped contacting me or sending bills. It dropped off my credit report. 

XXXX  - I went in for a visit on XXXX to have X-rays done. They had me prepay {$190.00}. I did, and then I received an explanation of benefits from insurance saying that I owe {$160.00}. I called and said I overpaid, and the lady said she would issue a refund back to the card. Not seeing it a week later - I called and a different person told me it was used to pay a debt to LJ Ross Associates. 

This seems a bit unethical! They wrote the debt off to LJ Ross Associates over 3 years ago, but are collecting FOR them? XXXX doesnt even show this bill in their system for me any longer. How is this ethical? 

I called XXXX billing again to ask about this, and another person told me she couldnt say anything. Couldnt tell me how much, and wont give me a receipt for the funds that they took from me to pay toward whatever LJ has. I know she knew what was going on. This is shady and fraudulent.
Product: Credit reporting or other personal consumer reports

I have noticed that there were additional inquiries on my credit report. I carefully checked whether I have authorized them and I came to the conclusion that I DID NOT. Why? It's because I HAVE NO IDEA REGARDING THOSE INQUIRIES. I DID NOT AUTHORIZE THEM TO BE PLACED ON MY CREDIT REPORT NOR I EVER DID APPROVE THEM so please kindly check the documents I've sent regarding those.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.