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

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX  DEPT OF ED/XXXX DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX  DEPT OF ED/XXXX DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  DEPT OF ED/XXXX  DEPT OF ED/XXXX   XXXXXXXX XXXX
Product: Credit card or prepaid card

Today, XX/XX/2022, my Chime Bank issued XXXX/Debit card was used to make unauthorized transactions on my checking account. Today, I called Chime Bank and they could not help me. Chime Bank must take the necessary precautions to protect my account from fraud and they are not doing enough. They must be held accountable for these fraud against me.
Product: Credit reporting or other personal consumer reports

There are numerous inquiries in my report that i don't recognize. These are fraud and i want them to be removed as soon as possible. I am in the process of buying a new home and i can't move forward because of those inquiries. Kindly remove them as soon as possible XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX inquiry date XXXX  XXXX XXXX  inquiry date XXXX  XXXX XXXX inquiry date XX/XX/ XXXX  inquiry date XXXX XXXX XXXX inquiry date XXXX
Product: Debt collection

XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time XXXX XXXX XXXX and I have been unable to come up with an agreement on the account. 

Respectfully, XXXX XXXX XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX- Asset Recover Solutions declined to accept my offer 2- XX/XX/XXXX, I  spoke with Asset Recovery Solutions and XXXX XXXX @ ext XXXX XXXX Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}.
I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX
Product: Student loan

Navient dropped me from their autopay system without my knowledge, and several months went by without me paying. 

Now that I am trying to repay and get back on autopay, Navient refuses to take a partial payment and has not waived late fees.
Product: Checking or savings account

I saw my balance was low, and I tried to make a mobile deposit to prevent overdrafting since I have had in the past, but the app would not allow me to deposit, I do not live near a branch so I called in to ask and the bank said there is no way for me to make a mobile since in the past 90 days I had overdrafted, the only other option was to mail in a check, I was furious because the funds were already really low and I tried to take preventative measures to prevent overdrafting but they would not allow me to make any sort of deposits right away.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit. My account was not properly investigated, XXXX company gave another company my information and that company is trying to collect. According to the Federal Law USC 1681e ( b ) of validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX balance on the XXXX XXXX XXXX XXXX  because it was open fraudulently. And they have yet to remove it from my credit profile. And I also disputed a XXXX balance with Macys because it was open fraudulently as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting assistance as XXXX has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While XXXX may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower XXXX XXXX. 
I'm requesting assistance to report the payments made which have all been on time and yet XXXX has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I disputed negative student loan accounts on. There are upwards of XXXX plus marks that are hurting my credit history. These Transunion and XXXX have both deleted positive accounts on my report that were not suppose to be removed and left all negative accounts that I did dispute on my report. This was not what I ask for these companies to do. XXXX as always has yet to respond to any of my demands. These companies have not been playing fair or even taken any of my demands seriously.
Product: Debt collection

XXXX  XXXX put 2 debts on my credit report that were not mine. The accounts had been placed on my account back in XXXX  and still on my credit report to this day. When I actually started to dispute the items, the name on both accounts were not mine. Our names were simular, ( my name, XXXX XXXX XXXX ), ( her name, XXXX XXXX ), I found out later that XXXX  sold the account to Resurgent. So, I contacted them over and over about the situation. I disputed over and over again with resurgent. Once I laid out the foot work as to how the accounts suddenly appeared on credit report, Resurgent LOCKED ME OUT OF MY COLLECTION ACCOUNT. But, before they did, I wrote down the individual 's information. I immediately wrote to the individual to make her aware of the circumstance.I told her that she needs to rectify the situation or I will be reporting the incident to the police, ( which I did because she never replied ). I again tried to get into the acccount with Resurgent, they still had me locked out. So I told them of the steps that I was taking due to the fact, that they had ruined my credit since XXXX  and that I will be suing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX  XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/2023, I sent a letter to XXXX XXXX ( XXXX Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of Fair Credit Reporting Act by XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX According to the FCRA, specifically Section A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

Additionally, under Section B, it states that a person shall not furnish information to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate, and the information is indeed inaccurate. 

I contacted XXXX XXXX XXXX regarding inaccuracies in my credit reporting. Unfortunately, the representative I spoke with was unhelpful and did not address my concerns adequately. I emphasized that credit card accounts remain on a credit report for seven years and that I have maintained this account in good standing for over a year. Despite this, XXXX XXXX XXXX has not updated my information with all three credit bureaus without correcting the inaccuracies. 

I kindly request that your offices investigate this matter and take appropriate action against XXXX XXXX XXXX for their non-compliance with the FCRA. It is essential for consumers to be protected from inaccurate reporting that can negatively impact their creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX BXXXX XXXX XXXX  ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SOUTHWEST CREDIT SYSTEMS is the company that is reporting inaccurate debt owed of {$120.00} to all XXXX credit bureaus. XXXX, experience and XXXX. XXXX has yet to provide proof of this debt being valid and are violating regulation 15 USC 1692g sec 809 b of the FDCPA. I requested this inaccurate information be deleted from all XXXX of my credit reports since there is no legal evidence or obligation that I owe alleged debt.
Product: Credit card

I first wrote to chase bank at customer service XXXX XXXX XXXX, XXXX, DE XXXX, on XX/XX/XXXX weekend send my name and account number and the dollar amount I was disputing, which was/ is {$310.00} from the XXXX XXXX. My letter to CHASE MARRIOT XXXX VISA is the same as here. 

I made sure they had internet because I had to write for help from FTC, I had lawyers to hire and pay bills online. After unpacking, and lunch, I started to work to find out there was no internet at all in these cabins and no TV.!!! I HATE BEING DECEIVED, ANYONE THAT CAN MAKE MONEY FROM YOU, AND YOUR OVER XXXX THINK THEY CAN TELL YOU ANYTHING TO GET YOUR MONEY. 

BY XXXX I WALKED TO THE OFFICE, and being Tuesday, they closed by XXXX or XXXX XXXX. and there phone system gave no info on the amenities. So, I wasted 1 night not being able to work online. By XXXX, I was at the office again, to get an excuse, " we'll send someone to fix it, '' Two different people a different times in the morning came over to waste my time to come up to the same answer that there was no Internet to the cabin at all. Just after noon, that dayt a work crew started to hang tv satellite dishes and work on cables. There still as no inrternet or TV, and I was already packing, my car and made reservations elsewhere. THERE WAS NO INTERNET AND NO TV, they lied and I LEFT, I demand 100 % refund for this FRAUD.
Product: Vehicle loan or lease

I have 2 late payments that should not have been on my account and I called to ask them to help me remove the lates from my credit report as it was hurting my score and the guy that answered transferred me to someone else and I got transferred several times and no one could help. The last person told me they never had anyone ask to remove lates on credit and they could not help me. 

GM Financial violate my rights under the FCRA. 

15usc Section 602- states I, XXXX XXXX XXXX XXXX have the right to privacy. 

15 usc Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent or instructions.

15 usc 1681a ( 2 ) ( a ) ( l ) - a consumer report does not include any report containing information solely as to Transaction or expenses between the consumer and the person making the report. 

I want the creditor to update the late payment for XX/XX/2022 and XX/XX/2022 ( 30 day ) to paid on time based on the violations. 

I was not late and should not have these blemishes on my credit. Can you help me?
Product: Credit card or prepaid card

I sent the following letter over a month ago and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/17 To : STATE FARM BANK ATTN : CEDIT REPORTING XXXX XXXX XXXX XXXX, IL XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

STATE FARM BANK, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for STATE FARM BANK to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate and the original document showing my hand written signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I applied for a milestone credit card and was approved, credit limit XXXX. This was in XXXXXXXX XXXX XXXX were approaching XXXX and I still haven't gotten the card. I applied thru XXXX XXXX, although I was completely unaware and don't remember seeing there's a XXXX annual fee but nonetheless, after calling them atleast 5 times, and everytime it's a issue with my address that needed to be corrected and I'll get the card within 14 business days. They have said this atleast 3 to 4 times and I still haven't gotten the card. I just called them Monday and was told another 14 days I don't know if its a scam at this point.