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

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX  {$560.00} XX/XX/XXXX XXXX  XXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Student loan

I currently ow e American Education Services over {$ 150000.00} in student loans, my monthly payment is {$980.00} a month. I have tried numerous times to lower my payment, or come to an agreement with them since there is no way that I will ever be able to pay this back. Currently I have had to borrow money monthly just to make payments. I even tried an income based payment but they do n't offer those programs.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> in XXXX Ga I was involved in an accident that totaled my car which I was not at fault for. The car was deemed a total loss that next week and therefore placed into the hands of gap insurance and Im not sure why Truist Bank marked it as a missed payment I have the insurance documents as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 


I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Last 4 of SSN : XXXX I am writing to request the removal of inaccurate and unfair information from my credit report. The information in question has been negatively impacting my credit score and is not an accurate reflection of my creditworthiness. 
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX THE FOLLOWING COLLECTION : ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX PERSONAL INFORMATION INCORRET NAME : XXXX XXXX, XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe that the information is inaccurate because 15 USC 1681 section 602 A states That I have the right to privacy. This inaccurate information has been unfairly reported to the credit bureaus and has resulted in a lower credit score than I deserve.

I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report.

I am requesting your assistance in resolving this matter. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information corrected or removed.

I request that you investigate this matter and take appropriate action to ensure that the inaccurate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions to address the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 collection accounts being reported on my credit file incorrectly. I requested an investigation be done by the 3 credit bureaus XXXX, Transunion, XXXX. I also contacted the alleged collection companies who were making a claim that these debts were accurate and were mine. I requested valid proof that these accounts belonged to me and that I had a legal obligation to pay them said alleged monies. One of companys since then has closed one of the accounts and stopped reporting to Transunion. The other alleged collection company has stopped reporting to the the 3 credit Bureas but still continue to harass me without providing any valid proof that these accounts are mine and I would like these false claims deleted from the 3 Credit Bureas and from my credit file permanently.
Product: Credit card

I went to use my Chase Mastercard for an online purchase. I 've had the card account for over a decade, I 've been on time with my payments, as of late, and I had more than enough available credit to make this purchase. But the card could not be processed at the time of purchase for reasons unknown. I logged into my account and there was no abnormal activity. I called customer service and they informed me that they were issuing a new line of cards and that I should receive my new card with new card number wishing the next XXXX weeks. But in the meantime, my old card number would be inactive. I asked if they could issue me the new number over the phone so I could make the purchase, but the customer service rep said she was n't allowed, leaving me unable to make this timely purchase. 
I understand their reasons for upgrading their cards, but why cancel my old card before the new one arrives? Now I am in a great deal of dismay, because of JP Morgab Chase 's incompetency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortionXXXX 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 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

I am a victim of identity theft. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 Under the FCRA, you have the right to block fraudulent accounts and inaccurate information resulting from identity theft. Specifically : 15 U.S.C. 1681c-2 ( a ) : Credit reporting agencies must block information resulting from identity theft within four business days after receiving : 1. A police report or identity theft report ( such as an FTC Identity Theft Affidavit ). 
2. Proper identification. 
3. A statement that the information is fraudulent. 
4. Your request to block the fraudulent data THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND I AM REQUESTING TO BLOCK THEM FROM CREIDT PROFILE : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Using the Optum Bank XXXX website, I submitted two XXXX reimbursement requests for Medicare premiums in the amount of {$160.00} per month starting XX/XX/year>. One of the requests is for myself and the other is for my wife, XXXX XXXX. Neither of the reimbursement requests have been processed or paid. 

One of the reimbursement requests still shows a status of " pending '' and the other shows " paid ''.

All supporting documentation was submitted and is visible and attached to each claim on the Optum Bank website.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello dear agency referring to my report i took a taxi i forgot my wallet inside the taxi and someone stole it used all my card and my documents to open more accounts in my name and when i went to log in my credit karma i saw all these accounts i called in stores they didn't cancel these fraudulent purchases that's why I'm here to report it to you can you help me please delete all these fraudulent accounts on my credit, thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and Early Warning Services report is a result of fraud. I did not even live at the addresses that were given to XXXX or Early Warning Services. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX. I have contacted the police and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX. Continued attempts to effectuate the offer from the company have been met with silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian on XX/XX/2022 to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against me.
Product: Credit card or prepaid card

My APR for my Apple Card with Goldman Sachs is presently 21.99 %, by far one of the highest interest rates of any credit card I have. With a good FICO credit score of between 760 - 790 depending on the credit agency, my other interests rates are in the 7.5 % - 16 % range. Further, I pay my bill on time and in full monthly. I consider Goldman Sach 's interest rate to be gouging. On several occasions I have spoken via text with Goldman Sachs customer service to ask that my APR be lowered. They have declined to do so, saying that my rate is based on my credit, even when my credit is good and enough to warrant the lowest interest rate offered on other cards. I feel that Goldman Sachs is taking advantage of their customers with this high rate and my rate should be lowered.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit card

I disputed a charge, including where there is NO signed charge receipt and Synchrony denied my dispute and told me in writing that I would receive a letter explaining their decision within 7-10 business days, and as of today XXXX, which is 13 business days since THEY said I would receive the letter, NO letter has arrived. The letter could easily be attached in the message portal they provide but they haven't bothered to even do that. After sending message after message in the portal about the status of the letter, I get generic emails telling me there are messages for me to read and either I get an error OR no messages to view. I need that letter to consider potential legal action regarding my dispute. I gladly give my permission for anyone to view this complaint AND what most likely will be a subsequent complaint for denying my valid and solid evidence dispute. A copy of the email explaining when I would receive a letter regarding my dispute is enclosed/attached.
Product: Debt collection

I contacted absolute Resolutions CORPORATION and or absolute Resolutions investments LLC and informed them they had violated my rights as a consumer on or about the week of XX/XX/XXXX and I requested Verification of an alleged debt via email to ( XXXX ). I have yet to the verification of this alleged debt. I then called absolute Resolutions CORPORATION, absolute Resolutions investments LLC once again on XXXX XX/XX/XXXX and requested verification of the alleged debt once again including but not limited to ; 1.Documentation proving the debt is valid and owed by me XXXX XXXX XXXX XXXX 
2.Proof of assignment or transfer of the debt from [ XXXX XXXX XXXX XXXX ] to your agency [ absolute Resolutions CORPORATION and or absolute Resolutions investments LLC ].

3.The original contract or agreement showing my signature. 
4

.A detailed accounting of the debt, including principal, interest, fees, and charges. 5.Verification of the debt sale price. I am aware of my rights as a consumer as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Failure to provide the requested information will result in my assumption that the debt is invalid and uncollectible. Debt collectors MUST disclose debt sale price upon request. 2. Failure to do so may result in
FDCPA liability. 3. Consumers have the right to know the debt sale price. *Impact : * This ruling : 1. Strengthens consumer protections under FDCPA. 2. Clarifies debt collectors ' disclosure obligations. 3. Encourages transparency in debt collection practices. *Citation : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) *Relevance : * This case supports consumers ' rights to request and receive debt sale price information.
Product: Credit reporting or other personal consumer reports

I have recently disputed these charge off accounts XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/year>XXXX  XXXX XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and XXXX XXXX  Account number XXXX with the agency in this complaint and not they are allowing the company to misrepresent my credit report by adding late payment history to damage my credit report and worthiness. I will have evidence that these claims were not on my report in the pass only since I have disputed the information reported to Equifax. I know Equifax has been part of a lawsuit with the CFPB for the agencys sham investigations, so I the consumer is asking Equifax to do a therol investigation with documentation showing they are reporting reasonable information. 

* Reporting After Sale : \nOnce the debt is sold, the original creditor no longer has the right to collect the debt or report any late payments on the account. The new owner, the debt collection agency, is responsible for reporting the debt and any related activity, including late paymentsXXXX  * Inaccurate Reporting : XXXX the original creditor continues to report late payments on a charged-off account after selling the debt, this is considered inaccurate reporting and should be disputed. 

According to 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 these codes pertain to consumer credit and Fair Credit Reporting Act ( FCRA ) regulations, specifically : 15 U.S. Code 1681 ( 2Xi ) addresses consumer reporting agency reinvestigation, 15 U.S. Code 1666b deals with open-end credit billing errors, and 12 CFR 1026.13 outlines billing error resolution procedures. ( 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. 
Please provide the XXXX for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second and final complaint on the issue before I seek remedy in district court. 
see complaint # XXXX for reference
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files.

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX   {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX  10 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 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