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

XXXXXXXX XXXX XXXXXXXX claims a late payment was made ... I have never been late to my knowledge ; I previously disputed this inn-accuracy, and was unhappy with the results. As a result, I demanded proof of investigation, bank statements, and records of ALL payments made, and missed ; and as of today still have not received proper documentation to convince me of claim made to support reporting a delinquency in the account. 15 U.S. 1666 ( A ) ( 2 ) ( B ) " creditor may not report to any third party that the amount of obligor is delinquent, because the obligor has failed to pay an amount which he has indicated ... unless creditor notifies the obligor of the name, address, and amount of each party to whom creditor is reporting information concerning the delinquency. '' which XXXXXXXX XXXX XXXX has failed to do as the law requires.
Product: Credit reporting or other personal consumer reports

Hello : I just want to make you aware of this scam. 
Years ago, I had and paid off a student loan. There has never been any issue. 
Today I received a generic email that is clearly a scam. 
I hope you are still in businees and have someone to make a note of this and follow up if there is a way to. 
I did not reply to the email and intend to delete the email once I am confident this complaint has been sent to you. 
Thank you. Belows is a copy and paste of the e-mail as well as header info. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Text of message : XXXX XXXX XXXX XXXX ( 16 minutes ago ) to me XXXX XXXX XXXX It's XXXX XXXX with the Student Loan Debt Department XXXX This is regarding your case number XXXX. We tried to contact you at your home and did not hear back. Your StudentLoans have been flagged as possibly eligible for forgiveness under the new 2025 guidelines. Your file will remain open in my system for only one more day. Please give me a call at : ( XXXX ) XXXX, We can take your call between the hours of XXXX ( PST ) Monday-Friday. Thank you, - XXXX XXXX XXXX XXXX XXXX You opted in, Advertising Services, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX... we are a marketing service. If you wish to contact the company mentioned, please dial the number above. If you want to get off our marketing list, go to the following link and enter your emailaddress : STOP THE EMAILS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was supposed to receive my direct deposit on Thursday XX/XX/year>. But capital one still havent give me my direct deposit yet.
Product: Credit reporting

Initially I disputed an item/account, which came back as verified. I believe that the investigation is questionable.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX XXXXXXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX XXXXXXXX : XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX
Product: Mortgage

XXXX, therefore we had to move to another property and leave the one we are currently short selling. Since I am on a fixed income, I can only pay one mortgage and that is the one where I do not have to go up and down the stairs. TCF Bank has made this process very difficult, asking XXXX questions, asking for all sorts of documents, everything was provided to them. All we want is to do a short sale and get with our lives, but once again TCF is making this very, very hard for us to do. I am XXXX, on a fixed pension income, married with a woman who can not work because she has to take care of me, can not live at the property where TCF is the bank XXXX, what else do they want to understand I HAVE A HARDSHIP! They wo n't do a short sale, they wo n't modify my loan, they wo n't do a deed in lieu, therefore they are pushing me to foreclosure!
Product: Credit card

I signed up for a Delta SkyMiles American Express Gold credit card in early XX/XX/2023. There was a promotional offer for XXXX Bonus Delta SkyMiles for signing up. Fortunately I emailed myself a screenshot of the offer because when the bonus came through it was only XXXX miles. I just called American Express and they said that I only signed up for the XXXX mile offer and that I can't switch now. That is obviously not what happened. Why would I take a screenshot of an XXXX mile offer and then go sign up for a smaller offer? I wonder how many people sign up for the XXXX mile offer and Amex accidentally places them in the XXXX mile offer. These " mistakes '' always happen in the big company 's favor, so they can't be random. I cancelled the card, but I would still like my missing miles. And more than anything, I would like all of these big companies that do this to consumers to stop. The reason I took a screenshot is because this kind of thing happens all the time. Even if they are required to give me the missing miles they will come out ahead because they will only be giving me what they should have given me in the first place, but most people won't even follow up on it so they come out ahead on all of those people. I don't understand why there isn't more severe penalties for consumer fraud, especially from big companies who have the resources to treat people fairly. The penalty doesn't have to go to me, but it could go to funding the organizations that are supposed to be overseeing this kind of thing so that they are better equipped to manage it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Balance : {$170.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have checked my credit report again today to check the status of the accounts ' dispute results and to my dismay, I still see these accounts reporting inconsistent information on my credit report. I have disputed this with the credit bureaus and now I'm on my fourth letter with them and this is still not resolved.

I have also disputed this account directly with the collectors and none of them are responding to my letters or taking any action to properly validate and correct the reporting of the account. This is a clear violation of the FCRA, any accounts that are reporting inaccurately must be removed from my credit file if credit reporting agencies are unable to correct or report the account 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XX/XX/XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XX/XX/XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, XXXX to XXXX XXXX in XX/XX/XXXX. I have NEVER attended ANY schools in XXXX period. 

XX/XX/XXXX, My Mom received a notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
Product: Checking or savings account

I never received an order and I disputed it with the bank. They are not refunding and the store I ordered from advised to dispute with them.
Product: Money transfer, virtual currency, or money service

When I first opened up my cash app I had an account under an email address and a debit card number and my phone number at the time. I will suddenly hacked in my account and when I requested the company to retrieve my identification of the account by providing them my social driver 's license or whatever they needed they were unable to give me back my original account. I had to open up a new account. There were funds in it. 
Due to this I do want them to pay for the time that was lost of the money that was on the account and the account that they were unable to retrieve using my information. They should have been able to use my personal identification to be able to determine if it was my account or not and they failed me.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681-2 ( A1 ) 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
Product: Credit reporting

Their is a credit reporting XXXX XXXX XXXX XXXX XXXX on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This document is a request for any information on my delinquency or derogatory behavior. I would like all information to be accurately and completely reported in accordance with all established laws and standards. If there is any potential negative information, I would like it to be verified and confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate, and I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the unapproved request, today I'd like to inform you that there are still accounts on my credit file appears inaccurately, so for that, I would like you to help me to correct these accounts which I never been late to pay my credits. FCRA 605B requires to correct these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6700.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00}.
Product: Credit reporting or other personal consumer reports

I used XXXX to dispute a new credit card opened with Best Buy/CBNA. I called Best Buy to close the fraudulent account with XXXX and to get the due amount XXXX They then closed the account. The initial alert was from XX/XX/year> and we called Best Buy on XX/XX/year>. On XX/XX/year>, I found my credit report having a past due balance by more than 30 days of {$2500.00}. The account still says that it is closed on my credit report but it has a balance that should not belong to me. Since, I have frozen my credit reports on XXXX, XXXX, and XXXX to make sure this doesnt happen again.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX.
Product: Debt collection

XXXX XXXX XXXX, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute. 
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the XXXX XXXX with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ). 
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So XXXX XXXX should not even be involved in collections efforts regarding this terms ' loan
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXX XXXX  Date Updated : XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

XXXX has placed a collection on my credit report for a bill and balance that is a business account not a personal account and Im not the person who opened up the account Ive filled a complaint with theXX/XX/XXXXand not luck I would like forXX/XX/XXXX to remove this account from my credit report
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my Chase Bank account [ XXXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2020 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinque
ncy that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I pulled my credit report from experian and noticed a account I did not recognize and asked for it to be verified. They refuse to remove the account and did not complete investigation. The account is over XXXX XXXX XXXX and should not be reported and has been damaging my score with them in comparison to XXXX and XXXX. I also submitted a complaint to cfpb for investigation with the company and they are not responding but yet this item is damaging my credit making it hard for me to purchase a home.