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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2024, and a another personal credit card opened at XXXX XXXX XXXX  XXXX on XX/XX/2024. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I had my loan modified because of Covid. Then lost my job. I called 4 month 10 days would not allow me to do a payment XXXX have found a job I and make about XXXX a month. When I called on XXXX XXXX. They told I was denied I could not make payments. She was not willing go, over financial. She could not even how much the payment would be. I know modified the loan XXXX of XXXX. I am willing make payments if someone would allow make payments. The company is Carrington
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 accounts 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 accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

I had a secured credit card account with Wells Fargo XXXX XXXX XXXX XXXX XXXX. I went to close my account on XXXX/XXXX/2015 because of personalXXXX XXXX. When asked why I was closing my account. I replied I disagree with your XXXX advertisements on TV. I find it offensive to me and my family. I do n't care if you are XXXX but I do not want it shoved in my face every day and expect my to accept it. They refused to close my account and return my money at first. I told them that was a violation of Federal Banking regulation. Then they stated they would close it but would take XXXX days to make sure there was nothing outstanding. I had already check it to make sure their was nothing outstanding. If I can check my bank account at home for daily charges why ca n't the bank do it while I was standing there? If I have to give them money to open an account ; why ca n't I get my money immediately upon closing my account? 

Thank you for your cooperation in this matterXXXX XXXX
Product: Consumer Loan

I entered into a long term repayment agreement with Avant on XXXX/XXXX/XXXX and I made regular payments according to the schedule. 

Avant scheduled a payment for XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX ( the actual date I made the payment ) and then deactivated the payment plan. 

I tried since XXXX/XXXX/XXXX to get them to reinstate the payment plan but instead on XXXX/XXXX/XXXX they offered me a settlement for {$2500.00}. I accepted the settlement so that I could be through with Avant but they then reported that I missed a payment for XXXX XXXX and XXXX XXXX when that was not the case. They are also reporting that the account was charged off when it was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts need to be updated to Current / Terms met : - XXXX # XXXX ( 30 days past due as of XX/XX/2022 ) - XXXX XXXX XXXX  # XXXX ( 30 days past due as of XX/XX/2022 ) - XXXX XXXX XXXX XXXX # XXXX ( 30 days past due as of XX/XX/2022 ) In accordance with the Fair Credit Reporting Act these accounts have violated my rights : 15 U.S.C 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 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 I am demanding that these accounts be updated.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit card or prepaid card

Citicards refused to issue a refund of the points used to book air travel. The air travel was booked through XXXX XXXX. The flight was cancelled by XXXX XXXX. The airline has stated the original form of payment has been refunded and Citi is not following the directions given by the airline. I have booked the same travel with two different credit companies, both refunded my points with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number XXXX  XXXX ( XXXX XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX  ) Account Number XXXX  XXXX ( XXXX XXXX ) Reference number XXXX  XXXX ( XXXX  XXXX XXXX. XXXX ) 15 U.S.C 1681 SECTION XXXX A. XXXX i have a right to privacy. 

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting

In XX/XX/XXXX, my Experian credit report indicated that my last late payment was 18 months ago ( XX/XX/XXXX ) and that I had " XXXX '' late payment. Inexplicably, my Experian credit score dropped XXXX points in XXXX and the report indicated that I had " XXXX '' late payments with the last being 19 months ago. XXXX late payments newer than 19 months ago made no sense. As, I knew that I had no late payments and if I did, they should appear on my credit report. I spoke with Experian XXXX representatives who stated, they could n't see " anything to dispute '' on my reports as there were no " new '' late payments added since XX/XX/XXXX!! I asked them what could be done to correct the inaccuracy and they said " nothing '' as they could n't identify anything to dispute. They refused to resolve the issue and indicated there was no way to repair my credit score.Nor could they provide an alternative explanation to the precipitous drop in my score! 
this to me appears to be a gross error and negligence on their part.
Product: Debt collection

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau, I am filing this complaint to report XXXX repeated failure to conduct a proper investigation of inaccuracies on my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and the submission of clear supporting evidence, XXXX has not adequately addressed or corrected the following items : XXXX. XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX Inaccurate Information, Dispute Approved # XXXX Fraudulent charges Dates of Dispute : XXXX Evidence Provided Personal Information and records 2. Account Name & Number : SANTANDER CONSUMER USA Nature of Inaccuracy : Current account status listed as closed CHARGE OFF/ TRANSFERRED, REMARKS NO INFO, on XXXX Dates of Dispute : XXXX Evidence Provided : n/a ( Add more disputed accounts as needed. ) Despite furnishing XXXX with detailed documentationattached here for referencethese items remain inaccurately listed on my credit report. As a result, my credit score is unfairly impacted, leading to higher interest rates, credit denials, and other negative financial consequences. 

I believe XXXX handling of my disputes violates the FCRA in the following ways : Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputed information. XXXX repeated verified responses without explanation suggest inadequate verification. 
Failure to Provide Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), XXXX must provide a description of the procedure used to determine the accuracy of the information. They have not provided this information upon request. 

I respectfully request that the CFPB : 1. Ensure XXXX conducts a thorough reinvestigation of the disputed accounts in accordance with FCRA guidelines. 
XXXX. Require XXXX to provide a detailed explanation of the steps they took to verify the disputed information. 
3. Compel XXXX to remove or correct any unverified or inaccurate information immediately. 
4. Monitor XXXX compliance and hold them accountable if they continue to violate my rights as a consumer. 

I am attaching the following documents to support my complaint : Copies of dispute letters sent to XXXX Documentation/evidence ( e.g., creditor statements, letters from original creditors, identity theft reports ) Any relevant correspondence between myself and XXXX or the data furnishers Thank you for your assistance in resolving this matter and ensuring that XXXX complies with federal regulations. If you need additional information or clarification, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX Enclosures : Dispute Letters and Supporting Documents
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXX
Product: Debt collection

Please review my report. I noticed the creditors are not cooperating with the request I need for the inaccurate items on my credit.
Product: Debt collection

XXXX XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Reason : THIS IS INACCURATE Account Name : XXXX, XXXX Account Number : XXXX DATE : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX, NH XXXX XXXX Reason : THIS IS INACCURATE Date Filed : XX/XX/XXXX Account name : XXXX  Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX phone : XXXX Reason : THIS IS INACCURATE Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, ia XXXX phone : XXXX Reason : THIS IS INACCURATE INQUIRY NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

XXXX XXXX XXXX : # 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 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 and the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

XX/XX/2019 XXXX XXXX called with United Collections Bureau Inc. insisted I call a friend or family member today or she would make sure our credit was permanently affected. Insisted on employer info of my husband and myself, which I refused to give. Told me this debt has gone on long enough and since we paid every month since XX/XX/2019, it was not quick enough or enough money. Insisted I open a credit card so I could pay balance in full right now. I tried to make arrangements to pay before month 's end and was told that was not quick enough or enough money. I asked her specifically to stop bullying and harrassing me and explained I would hang up and call back. When I did she called me repeatedly. I asked to speak to someone else 5 times before she transferred me to her supervisor.
Product: Credit card or prepaid card

Compliant XXXX Should NOT be closed Citi response was was not acceptable. They DID not explain what happened to the extra funds in a detailed manor. 
Now that I received the closing statement for XX/XX/XXXX and submitting full and extra funds for payment XX/XX/XXXX. Same thing happened, would like to know what happened to over payment of {$7.00}?. Did not go to any of the XXXX XXXX which should have. 


XX/XX/XXXX bill due XX/XX/XXXX : Total Purchases {$210.00} XXXX XXXX XXXX  {$31.00} Returns XXXXXXXX XXXX XXXX XXXX XXXX  Reward Credits XXXX Total Due XXXX {$94.00} Bal. Due {$180.00} Add XXXX XXXX  Total Due {$270.00} Sent in {$280.00} Compliant # XXXX Due XXXX Missing Funds {$89.00}? 
Bal XXXX? Sent in extra {$100.00} $ XXXX XXXX to XXXX # XXXX = {$89.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery LLC, is not compliant with their obligation to correct inaccuracy of the disputed accounts that they are reporting : # XXXX and are ignoring my request to explain the following inaccuracies in violation of credit reporting and collection laws and instead sending a generic response to validation : 1. The highest balance on XX/XX/XXXX-XX/XX/XXXX statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, XXXX ) is not my address. My address is in XXXX and previous address in XXXX.
Product: Checking or savings account

My mother passed away on XX/XX/XXXX. I contacted Wells fargo and asked how to settle te estate. I produced and sent them the information on their secured email account. After waiting a month I contacted them again and they claimed the have herd nothing from me. 
I then produced a duplicate copy of the documents and sent them via certified mail. The post office informed my via tracking info that the documents were received. Again I contacted wells farge and was informed that they have not received any information. They denied I ever sent them the emailed documents and now claim they did not receive the mailed copy. I spoke to a local lawyer who stated he could recover the funds form wells fargo but it would cost me more thn the value of the estate. I have been having to pay my deceased Mothers bill out of pocket, and having to deal now with late charges from utility companies, and having to cover checks she had written before he died because Wells fargo stopped payment on the checks. Wells Fargo as already cost me close to {$200.00} just paying fees related to their stopping the checks and auto pyments.
Product: Credit reporting

I have been writing letters to the XXXX major credit bureaus, XXXX and Transunion since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and XXXX are reporting a balance of {$17000.00}, while Transunion reports a balance of {$17000.00}. The Date of Last Payment also does not match! Transunion reports XXXX/XXXX/XXXX, XXXX reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX and Transunion. For instance, the Open date on XXXX says XXXX/XXXX/XXXX but on Transunion it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report, dated XX/XX/XXXX. These inquiries were made without my knowledge or authorization, and I am asserting my rights under 15 U.S.C. 1681 et seq., Section 604 of the Fair Credit Reporting Act ( FCRA ), which stipulates that a consumer reporting agency may only furnish a consumer report under specific and permissible circumstances.

The following inquiries on my report were made without my authorization : XXXX XXXX - XXXX dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX - XXXX date : XX/XX/XXXX. 
XXXX XXXX - XXXX dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX - XXXX date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - XXXX date : XX/XX/XXXX. 
I did not apply for credit, insurance, or any other service from these entities, and as such, these inquiries are a violation of the permissible purposes outlined in Section 604 of the FCRA.

I respectfully request that you : Please remove
Product: Credit card

I never received a copy b of the 1099c for the charged off credit card I have with JPMCB to file with my irs taxes. My JPMCB card has been charged off since XXXX of 2024. Also, according to irs code a cancellation of debt is considered income and income can not be reported on a consumer report.