23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

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

Im attaching an FTC report with 5 fraudulent accounts to be blocked removed under FCRA 605B as I have been a victim of identity theft
Product: Student loan

Hello! I have been paying monthly and consistently my student loan with Navient. My total balance is not going down, it is going up! I think I am being taken advantage of. I need some legal advice and help. Thank you!
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

you must delete immediately the account accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Accounts XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items get corrected. 
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

A credit inquiry was done fraudulently on XX/XX/XXXX from XXXX and on XX/XX/XXXX from XXXX XXXX, I have been a victim of identity left in the past, I contacted both fraud departments of each company and contacted all three credit bureaus with no help removing these fraudulent inquiries.
Product: Payday loan, title loan, or personal loan

I tried to do business with Credit Ninja in attempt to receive a consumer credit transaction. Credit ninja denied me services. I then proceeded to email Credit Ninja and inform them that I am in fact the natural born consumer, and I wanted their financial facility to assist me in extending me a line of my personal consumer credit. I explained that pursuant to 15 USC 13, they were not to discriminate between consumers. Also pursuant to 15 USC 13 ( e ) they have to offer like services to purchasers on equal terms. Credit Ninja used my personal information without my prior consent, which is a violation of my privacy, in order to discriminate against me. I demand that I am treated as any other natural living consumer who has rights that protect them under federal law. Credit Ninja is in fact a dead entity that doesnt have the power to credit anyone. They can just act as creditors by extending consumers credit from the source, which is the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts listed below have violated my rights. Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. Under 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. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.
Product: Credit reporting or other personal consumer reports

I am formally writing this dispute to address XXXX XXXX  companys response to my request for investigation. 

As it stands, you have failed to consider all relevant information provided to you per 15 USC 1681s-2 ( 8 ) ( E ) ( ii ) Duty of person after receiving notice of dispute. I concluded this reason based on this companys response to my notice of dispute through the CFPB portal. I was very clear about the issues connected to the account this company has furnished with consumer reporting agencies. 

If this account is accurate as you say, then who is going to correct the inaccuracies that are connected to XXXX XXXX XXXX that I am currently seeing? 

Surely, the consumer reporting agencies will not do it because THIS company is giving them the green light to keep the account as it is, uncorrected. 

Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 

As seen on the highlighted consumer disclosure report that has come directly from XXXX that I provided to you as my proof of claim, there are currently ND ( No data ) notations being reported, a random 90-day late payment and 180-day late payment notation that is shown in my consumer report. I will not allow this misinformation to ruin the integrity of my consumer report. 

This response is not the same complaint. The nature of the complaint is completely different. This is a demand for deletion as remedy for failure to comply with the FCRA
Product: Debt collection

I have an issue with Midland Credit Management. Prior to the pandemic I had lost my job and all my credit accounts went into collections. I was able to make a payment plan with the company who previously owned this debt, and have made all payments as per the agreement. Midland purchased the debt, and again, all payments have been made as per the agreement. When I called to find out a payoff amount, I was told that the amount to pay it off is {$19000.00} - HIGHER than the currently owed amount. In other words, I have not paid anything on the balance after 3 years of steady payments if I attempt an early payoff. Their website does not define how the payment is applied, if there is any interest, nor if additional payments would reduce the debt load. Effectively, I am stuck with a 50 year payment plan. The original balance was {$19000.00} - I have paid {$140.00} a month for over three years, which causes them to say the balance is {$13000.00} - but when I call to find out the payoff I am told it is {$19000.00} This is definitely a predatory practice, when you can never eliminate the debt. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2019, I submitted via certified mail, notarized FTC reports, notarized police reports and notarized personal statements that highlighted fraudulant/inaccurate personal information and inquiries on my credit report with Transunion. Per my request and FCRA rules the bureaus had 3 days to remove incorrect information from my profile, however they only removed/updated some items. I have given the bureau ample time past the allowed time given via the law to remove all fraudulence personal information and associated inquiries yet they are refusing. I have disputed such items and the bureaus has refused to properly verify the validity of such personal information and inquiries. 

*Please see attached documents titled Id Theft6 and Id Theft2 underneath address and Inquiries
Product: Debt collection

In XX/XX/year>, someone stole my information and opened a XXXX credit account in my name. I didn't find out about it until XXXX, upon which I filed a police report, and disputed the account with XXXX and the credit bureaus. XXXX accepted the dispute and we did prove that the account was fraudulent identity theft, and it was dropped. For some reason, they still sent it to collection, which is staying on my credit report and preventing me from opening any new lines of credit. I need all of this expunged from my credit report so that I can move on with my life.
Product: Credit reporting or other personal consumer reports

I HAVE PLEADED WITH SECU TO PROVIDE ME WITH A 1099C FORM AND/OR CANCELLATION OF DEBT FORM.THIS CREDITOR HAS WRITTEN OFF THE ACCOUNT AND HAS NOT PROVIDED THE MANDATORY 1099C FORM, PER IRS . NOT ONLY IS THIS COMPANY REPORTING INCOME AS DEBT, BUT ADDING LATE PAYMENTS ON A CHARGED-OFF ACCOUNT AS OF XX/XX/24. 

REPORTING TAXABLE INCOME AS DEBT AND LATE PAYMENTS IS IN VIOLATION OF 15 USC 1681E ( B ). THIS COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CREDIT REPORT.

FURTHER REPORTING THIS INACCURATE INFORMATION AFTER WRITING THIS ACCOUNT OFF WITHOUT MY WRITTEN PERMISSION IS IN VIOLATION OF 15 USC 1681B. I AM LEGALLY SEEKING MONETARY IF NOT RESOLVED WITHIN THE NEXT 30 DAYS
Product: Prepaid card

I attempted to use an Amex prepaid gift card from my employer to reload my XXXX account balance. I had done so successfully the prior two years I received one and had very little trouble. 

When attempting to reload my XXXX balance on this {$200.00} gift card, it will not go through, even if I try to redeem it in small increments. XXXX online found other people can't get their cards working on XXXX and other major retailers won't accept them.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLUMBIA DEBT RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

XXXX correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Debt collection

I paid debt with Midland credit company in 2013 in the amount of XXXX for a unpaid bill XXXX. Midland Credit will not reach out to XXXX to let them know the debt has been paid. XXXX still have me owing a bad debt
Product: Payday loan, title loan, or personal loan

I enrolled with a debt management company on XX/XX/2020 called XXXX. My payday loan.com acknowledged receipt of the ach revocation and did stop taking out payments. They have continued to harass me by email stating they do not work with any companies that help people get these loans paid. My advisor at XXXX has told me they do work with them. I received a very threatening email on XXXX20. Then today XXXX20 I received a email stating I needed to pay {$450.00}. I can not pay this. The reason I have enrolled with payday loan help. I will attach the email I was sent on 6XXXX20. This is ridiculous they send this threatening stuff to consumers. They threatened to turn me over to Contribution a service of Scan and make it where I can not write checks. I looked this up and it appears to be false propaganda.
Product: Checking or savings account

XXXX - A client gave a check that had misinformation for a marketing service that was then put on hold from Bank Of America XXXX Bank of America without notification via email text, or call abruptly closed the account on XXXX. XXXX without communication. I discover the account was closed was after I was unable to log into the mobile app and i was unable to access the money in my checking account. 

On XX/XX/XXXX, I spoke with a representative for Bank Of America expressing my inability to access my account and I was made aware that my account was closed due to an invalid check. 

The representative of Bank Of America told me that Bank of america would sent a cashiers check of the remaining account balance to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, on XXXX XXXX. ( Personal account : {$1900.00} Savings account : {$11000.00} ) After 60 days of not receiving a check, I contacted Bank Of America, and a rep made me aware the check was delivered to the wrong address and that she would reissue the check to the correct address through Ups. After 30 days of not receiving the cashier check, I contacted Bank Of America Again, and they made me aware the checks were never sent because they were already cashed.The client risk department transferred to the fraud department, and a case was made for the investigation to understand why a check was cashed in my name. I was told they would investigate the matter, which could take another 30-60 days. 

My account was abburelty shut down and I have not been able to access money that belongs to me after trusting bank of america with my hard earned money. It has been almost 4 months since i have been able to access the money that was in the account after bank of america abruptly closed my account. This has left me with no money to pay my bills, resulting in a eviction, a repossession and dramatic increase of my credit score because i had over XXXX stolen from me from bank of america. I need the problem solved immediately because this has caused me to lose everything i have due to their immoral business practices.
Product: Credit reporting or other personal consumer reports

I havent seen my score increase and its reporting old credit card debt that I paid .They also fail to removed derogatory collections from open sky .Ive place a fraud alert and sercurity freeze on my credit report after being affected.However its been over 1 years since the company didnt investigate and removed the negative item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report to XXXX ( XXXX ) unpaid debts that were paid directly to XXXX. This is a violation of my rights under the FCRA and I want this company to remove this from my credit report immediately and stop all communications regarding this. Also through research, I have read in muliple sources that medical bills under {$500.00} will not be reported to credit bureaus any longer.
Product: Credit reporting or other personal consumer reports

Over the past 2 years I have been trying to get my Equifax report but every time i log in to my Equifax I get a code : " XXXX '' and ill call and every time they say they will fix this problem but it has been 2 years and it still hasn't been fixed. I can see my other credit profiles and reports from the other credit reporting companies but only Equifax is preventing me from seeing mine which is making getting some credit products difficult. I would just like to have this problem finally solved. I have already submitted the documents they have asked me to submit many times to know avail.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Product: Credit reporting or other personal consumer reports

I paid XXXX XXXX XXXX to help XXXX to XXXX I paid for XXXX and XXXX XXXX XXXX XXXX to XXXX I've locked my credit numerous times hopefully now that I have fraud alert on my account it would help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from themXXXX, XXXX and Experian are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request .I know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent personal loan was opened under my name with wrong address. I requested HSBC to delete account # XXXX with a Balance of {$20000.00} and reported it as fraud but HSBC refused to do sure, and still with the help of the XXXX XXXX XXXX XXXX they are holding me XXXX and damaging my credit report. I submitted the Identity thief report and police report to both HSBC and XXXX but they refused to follow the law and still kept the incorrect information on my credit report. The fraudulent account mentioned above, was deleted from XXXX and XXXX, but XXXX refused to delete the account from my file after I disputed the account more than 10 times. XXXX would do whatever it takes to have the banks use them for their business needs, and it doesn't matter who gets hurt on the way. XXXX does not follow the law instead they are acting as if they are the law.
Product: Money transfer, virtual currency, or money service

Closed my Secured Credit Card with credit line of {$10000.00} and never recieved my cashiers check. Did a stop payment and faxed it in customer service does not have any info on my faxed forms and can not get me my money deposited into my bank account which is the same one it was credited from. Been trying to resolve this since XXXX and Wells Fargo can not give me the answers I need to get my money or will not help me.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid-off account listed above please show me documentation proof of transaction, showing i was ever late to support your inaccurate reporting on my account if you can not support supply this please delete this alleged late payment from my credit report this is an invalid late payment please note that the FCRA allows 30 days for this to be rectified
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XXXX XXXX