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

I am writing once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report.

As you know, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally required to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is about Paypal, i am probably not the first to complain about them they have accepted an amount of {$930.00} from someone who sent it to me they refuse to release it by the normal bank transfer or by a mailed check i have been using them for about 15 years with no problems apparently they need me to sign up for a new type of account the requires much more personal and financial info that i am not willing to give my contention is : if they needed this to complete any transactions for me then, they should not have accepted money on my behalf regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX : {$8000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$3000.00} XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payments for XXXX Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX account. Despite previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate.

Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement. 
TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress. 

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction to reflect accurate payment history. 
A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID. 
Copy of my Social Security card. 
A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/year> and XX/XX/year>. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I brought a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My personal information has been compromised by XXXX data breach as well as XXXX XXXX XXXX XXXX. Ive also had fraudulent accounts open with XXXX XXXXXXXX that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information. To my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record.
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts on my credit report, and I have no clue how they got there. I regularly check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Given this issue, I kindly request that the documents I've submitted be carefully reviewed so I can avoid this concern in the future.
Product: Debt collection

The debt collector did not conduct an appropriate investigation when I disputed the debt. The invoice for carpet replacement precedes my tenancy in the apartment in question by XXXX years ( as indicated on my lease, which the company has ). The invoice is from XX/XX/XXXX and I resided in the unit from XX/XX/XXXX to XX/XX/XXXX. The original creditors, XXXX XXXX XXXX has never provided any proof of damages other than the invoice which is not from my tenancy. Also but, XXXX was aware that the amount they submitted to collections would have been incorrect even if the debt were legitimate, but they sent it anyway. The original bill submitted to me included a pro-ration credit of 6 months, but the carpet was 23 months old at the time I moved out. They also had differing stories as to the nature of the damages and attempts to clean or not clean it and refused to furnish any proof of damages to me. Even if the debt were valid, the pro-rated amount in incorrect by a material amount and anyone with a XXXX grade ability to do fractions could see that blatant error, meaning that A ) they knowingly tried to collect a debt that was not mine as the repair invoice did not correspond to the period of my tenancy nor after it and B ) they knowingly reported an incorrect amount to the credit bureaus as they were made aware of the material pro-ration error. Additionally, the collection 's agency refused to return my calls or to allow me to speak with anyone to address these errors. This debt is from a previous tenant and that is why they do not have a current invoice.
Product: Checking or savings account

I have not been able to access my Fulton Bank account since XX/XX/year>. I have contacted the bank on several occasions and the issue is not resolved
Product: Money transfer, virtual currency, or money service

I have a Robinhood account. On XX/XX/year>, I tried to transfer my money from the Robinhood Individual Account to my bank account ( which is linked to my Robinhood account ). I used the Robinhood APP on my cell phone. The Robinhood APP asked me to verify my identity by taking photo of my driver 's license and doing selfie. However, I did not pass the verification. I contacted the Robinhood Help Center. The Robinhood Help Center took three days to review my account. But they did not solve my problem. I still can not pass the ID verification. I again called the Robinhood Help Center and worked with their XXXX XXXX over the phone. The XXXX XXXX was not able to solve the problem. The XXXX XXXX hung up the phone without solving the problem. I am not able to transfer my money out. 
I have urgency because I need to close a property purchase on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XX/XX/XXXX {$920.00}. Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Mortgage

I have been in chapter XXXX bankruptcy for several years, I dismissed the bankruptcy because I wanted to get my mortgage back in good standing. I requested mortgage assistance from Flagstar my mortgage company and they are giving me a difficult time processing with my request. I call to check the status of my mortgage assistance request, I'm always told I have documents missing or they have and incomplete file. I have faxed requested documents several times, I feel Flagstar is giving me the run around is trying to make me loose my home
Product: Student loan

Navient constantly calls harrassing over payments and wo n't release my co-signer on the private loans while I am in school, what can I do? I want to refinance the loans with another bank for a lower interest and am told I ca n't while in school, but this is a private loan, not a federally backed loan, why can I refinance and if I can, where I can find banks that do those types of loans?
Product: Debt collection

I was in a vehicle accident on XX/XX/XXXX and was taken to XXXX XXXX in XXXX XXXX NV. In XXXX of XXXX I received a bill from University XXXX XXXX XXXX for {$34000.00} which I promptly disputed. After a lot of phone calls, emails, letters with different people at different departments at XXXX on XX/XX/XXXX I received a letter from a manager XXXX XXXX at the risk management department in XXXX stating that my account has been reviewed and that my balance is only {$1500.00}. After this I was waiting for a revised bill reflecting the new balance but instead on XX/XX/XXXX I received a bill with a due balance of {$24000.00}. After many communications with XXXX billing department and dispute packages getting the billing department to send me a revised bill, the next thing I know I was being contacted by a collection agency. On XX/XX/XXXX I received a bill from Aargon collection agency with a due balance of {$24000.00}. I immediately called the number on the bill and spoke to a XXXX XXXX, explained the situation that has been going on. He directed me to send an email to XXXX with all the details and the letter from XXXX 's risk management department stating the new balance and that they would revise it and send me a bill with an adjusted balance. After I did that I waited and NOW I see that the credit bureaus are reporting a derogatory account which resulted in a big negative impact on my credit score which is what I have been trying to avoid since this whole debacle started in mid XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try to access MyEquifax through the following web site. https : //www.equifax.com/personal/ I am able to access lock and alert ( https : //lockandalert.equifax.com/member-center/portal/ ) but can not access my equifax. I am asked to to contact the Customer Care team at XXXX. But can not get a representative. 
I need to be able to access My Equifax so I can access the following information as noted at https : //www.equifax.com/personal/ Sign in to place or manage your security freeze, fraud or XXXX XXXX alert, and disputes. You can also access your Equifax Core CreditTM or myEquifaxTM paid product
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ TRANSUNION for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Identity Theft Affi attatched. Im trying to build my financial stability up while providing during Covid
Product: Debt collection

On credit report date of collection couldnt possibly me this is not my acct. and it has been verified if so these dates cant be right
Product: Credit reporting or other personal consumer reports

Ive requested XXXX XXXX and Experian to remove accounts that I wasnt aware of, theres XXXX credit cards and collection on my credit report that Im not aware of. Ive already put in a dispute
Product: Credit card or prepaid card

I have already filed a complaint on XX/XX/2019 under my name XXXX XXXX, however I forgot to provide my credit card number and I didnt know how to transfer my XXXX photos to my laptop, so please find my complaint and ad these photos an my c/c number to it. Id appreciate it. The complaint will match these photos. Thanks, XXXX XXXX. XXXX XXXX. My card number for Commenity Bank ( Victoria Secret ) is XXXX under XXXX XXXX.
Product: Credit card

I obtained XXXX  credit card in XXXX XXXX enrolled in full auto payments for the rent and also full auto payment for the credit card.My limit is XXXX and the rent payment is about XXXX per month.I use this exclusively for rent payment.In addition to this I make four minor purchases each period to get rewards.These other purchases are never more than $ XXXXSo there is never a question of going over the limitXXXX rent was paid and I presumed that each month will be paid according to auto payment agreement.XXXX XXXX I got a notice from the apartment manager that XXXX payment has not been made so there is {$140.00} charge for late payment.I contacted XXXX customer service and they said that my account was short of funds, this was not possible as I never used card for anything else.Ofcourse now with two months rent due, due to card not paying XXXX rent, it was over XXXX $ limit.This was not due to my fault.I communicated with both XXXX  and Wellsfargo, which manages their card and they pass me from one to the other. 
Ihave never gone over the limit, or short of find, or late payment or overdraft ever.Please help me out as I am getting financial loss for no fault of mine.

Thanks
Product: Student loan

I went to XXXX XXXX which was a fraudulent school. My federal loans were recently XXXX but I still have private loans that cant be XXXX. The school was found to be fraudulent and I believe all loans should be forgiven. I joined the military late in life to get money for school so I didnt have to fall into the same trap. navient is my loan provider and I owe over {$7000.00}
Product: Debt collection

I discontinued services with XXXX and switched to XXXX. I was given a final balance and paid the amount in full. The next month I received a bill for {$26.00}. XXXX indicated that they were unable to remove the charge because the internet portion of my account was still active. They acknowledged their mistake, but insisted I still owed the {$26.00}. In XXXX 2016, I received a collections letter from the " XXXX XXXX XXXX ''. I responded with a written dispute on XXXX/XXXX/16. I have now received another collections notice dated XXXX/XXXX/16 from " EOS CCA '' for the same disputed debt. I was called by them and later called back to let them know that the debt was already disputed in my XXXX/XXXX/16 letter. They indicated that the debt was not placed with them until XXXX. I believe that XXXX is trying to use multiple agencies in an attempt to circumvent my rights under the Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Portfolio Recov Associates and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.
Product: Payday loan, title loan, or personal loan

I have requested several time to refinance as well as seek help for paying off the loans. The provider stated that they do not off any refinancing or assistance. I have attempted to reach the Customer Service multiple times since financing the loans and it is multiple hours wait and when I email, they are unwilling to answer any questions ( despite advertising being able to solve issues via email on their phone line and website ). On XX/XX/XXXX, I emailed regarding concerns and there was no action or response from the company. Additionally, I have no access to my contract that I signed and payment schedule and do not have access on line. I attempted to reach them by email on XX/XX/XXXX to obtain the documents but was told to call the customer service. I was unable to get a hold of any one on the phone due to the extended wait time. When I was finally able to get a hold of a representative on XX/XX/XXXX. I was told I was not able to receive any statements or payment arrangement because they do not provide those to lenders. Additionally, I was directed back to my online account which has no information regarding my contract or statements available other than a payment history with no additional information. I was told there is a " Terms of Service '' that " counts '' as a contract. 

Here is the information of the Terms and Conditions with nothing specific regarding my loan with the company. 
XXXX XXXX XXXX 
I have also attached a screenshot of the attempt to view my statement where it does not show any information.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside the complaint in on dates of ( XXXX  ) & ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached screenshot attached.
Product: Credit card or prepaid card

I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.