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

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX dont know last name purchased a necklace from XXXX XXXX, the loan is threw affirm inc. i found out because i did a credit pull to see about buying a house, and found out this was 4 months past due and i wasnt even me! The guy ( XXXX XXXX who purchased that necklace, the only thing i can think of him getting my social to be able to purchase that necklace was from my ex husband XXXX XXXX. This is hurting my Creidt and i wan na report fraud!! This was not me!! I have been calling and on phone with everyone nothing no one can do! I want something done!!! And off my credit!
Product: Credit card or prepaid card

2 Citibank Credit cards were stolen and used without permission from my Dad who was XXXX and XXXX from XXXX. My father was in the hospital during the time of these uses, and had no access or mobility to use the cards. There was no authorized users listed on the credit card accounts. I have proof that my Dad had no way to utilize these cards during this time period. A fraud alert was initiated on all 2 credit bureaus, and the problem was called into the credit card company. A fraud investigation was initiated. Dad XXXX   several days later. The credit card company instead of investigating the fraud put this account into collections. The collection department stated the estate MUST pay the outstanding balance, ignoring the fraud alert/investigation. The investigation stopped and the collection department is demanding full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXXXXXX XXXX I attempted to obtain 3 credit reports. The only one I could get was XXXX. Both Equifax & XXXX said unable to give report ( s ). No explanation was given. In addition, the XXXX report was only available by using my prior address as my current address ; it would not accept current address of just under 1 year. This is not the first time I've had a problem obtaining the " free credit reports. '' There is always a problem of one kind or another in the past 10 years I have been using the service and I've just given up after the first time contacting XXXX by phone and ending up in a lengthy conversation with a representative unable to fix the problem or give an explanation of why the site was not reporting the proper information. I appreciate the " service '' but it's not a service if it doesn't work or is not available. Good PR though. I'd appreciate follow-up on this matter. Thank you.
Product: Credit card or prepaid card

Each month American Express issues late fees before their closing period is over. The automatically issue the late fee and then reverse most months, but, some months ( this past month for example ) they issued the late fee but did not reverse it automatically as they usually do. It seems that if you pay on the day of your payment they assess this late fee and if you do not call about it to have it reversed they have wrongfully charged you a late fee. American Express is on PST and I live on the east coast. AMEX closes their day at XXXX XXXX  PST which is XXXX XXXX EST and they assess the late fees around XXXX - XXXX XXXX EST, which is not right. I have a AMEX Delta Gold Skymiles card and I paid on my due date around XXXX XXXX EST which is XXXX XXXX PST, so, I should not have been assessed a late fee. I called them about it and they said oh yes you did pay on time and this was our error. So, if I didnt call I would have had this late fee for not reason. The late fee was returned as " Reverse Late Fee ( sys gen ) System Generated. This is not right at all, if no one calls about it they are given this late fee for no reason at all. AMEX should run this system generated late fee after the close of business, so, this doesn't happen. There could be thousands or millions of people out there being charged this System Generated fee when they have truly paid on time. Please look into this as this practice should stopped. This is a job that runs and they are able to change the time that this automatic job runs, so, they do not charge people for nothing. They did reverse the amount but this should not have happened. If you pay on the due date you should not be charged any fee ( so they would not have to reverse it automatically each month ).
Product: Debt collection

On XX/XX/2018 a debt collector from Weinburg Mediation Group called the address that I do not reside at any longer. The collector told a relative the amount of debt that I owe, which I thought was private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching relevant information regarding the agency. This is NOT a duplicate report, as they gave a " canned '' answer to the last filing, saying they did not have specific information despite it being provided dozens of times. They continues to report a " XXXX XXXX '' account despite it clearly being fraudulent, as well as a XXXXXXXX XXXX account. These items should be blocked if the company will not do so itself. There is CLEAR OVERWHELMING evidence that I was a victim of widespread fraud. 

I am also attaching several letters addressing other fraudulent accounts where XXXXXXXX XXXX and XXXX have noted the items are fraud and I should not be held responsible for them. They include XXXX, XXXX, XXXX and XXXX XXXX accounts. 

There are also multiple POSITIVE items missing from my report. I have contacted XXXX XXXX as they have two cards and only one is being reported. They are sending BOTH cards to all three agencies. 

I have also called XXXX and they are reporting to all three agencies but all are not reporting that account. 

These would help my scores as I have never missed payemts, etc. 

I have attached those accounts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit in XXXX, I was told by the finance company I had a negative reporting on XX/XX/XXXX by Portfolio Recovery Associates appear on my credit report. so I pulled my credit report XX/XX/XXXX. This also the same month I began to dispute this item from XXXX to present XXXX this item continues to remain on my report and Portfolio Recovery Associates continue to provide false information from their XXXX XXXX XXXX and XXXX California Location.
Product: Checking or savings account

On XX/XX/XXXX, I saw that a fraudulent check had been passed on my Wells Fargo checking account. I called the bank immediately ( and to their credit, I did receive the funds back from this first fraudulent check ). The representative froze the account and helped me open a new account. With the original account frozen, and the bank assured me that no transactions would clear that frozen account without my authorization. Based on this assurance, I did not concern myself with another missing check that had not yet been cashed. 

I then contacted the company to which I had mailed the missing check and learned that they did not receive it. I later filed a complaint with XXXXXXXX XXXX XXXX XXXXXXXX XXXX for stolen mail. Based on the assurances of Wells Fargo, I did not expect this stolen check to be cashed. 

On XX/XX/XXXX, I saw that the missing check had in fact been cashed ( see attachment ) despite the account being " frozen ''. I called Wells Fargo the same day and received a claim number for my dispute of this transaction. I was told to expect resolution in XXXX business days and that I could monitor the claim online on the Wells Fargo website. A second claim number appeared on the website. Eventually the website indicated that the claim had a closed status. However, the money had not been returned to my account. The website indicated that I could call XXXX for more information. On XX/XX/XXXX, I called this number and was repeatedly transferred to various departments within Wells Fargo, speaking to at least XXXX different individuals. None of them could use either of the claim numbers to look up the claim and none of them could tell me anything about the status of this claim. 
To date, I have not yet received the funds from the check that Wells Fargo wrongly allowed to clear the frozen account.
Product: Student loan

I applied for SAVE plan. Of the 11 loans I have with Mohela, only 4 are on the SAVE plan, while the other 7 plans say Level. 

I am unable to reach anyone due to long wait times. I logged in to plan to set up my payments to restart, however, theyre not accurate with only 4 of 11 on the correct income driven repayment plan. 

I called on XXXX and waited for greater than 30 minutes before I needed to hang up. The issue is unresolved. I can not make the stated minimum payment of {$2800.00} by XX/XX/2023. The estimated repayment amount with the loan simulator is around {$82.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint today to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I have read that under the Fair Credit reporting Act section 650b, The Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft and that the items I dispute were the results of such crime. The disputed accounts and information were opened without my knowledge. The fraudulent items include the following : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed items were verified and belong under my name, I request that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims.
Product: Credit reporting or other personal consumer reports

I am respectfully asking the Experian, XXXX and XXXX Credit Bureaus, to kindly please REMOVE these items listed in this complaint. I am sending this complaint as a follow up in making sure that these items listed below are removed from my credit reports. I am asking that the 3 Credit Bureaus to please see the these items below and remove them in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Wells Fargo and a group called XXXX keep charging my account when I have asked them not to. It has gotten to the point that Wells Fargo says call XXXX. XXXX says to cancel the service, a service I only wanted to for six months ( it was useless - not one lead ) that XXXX says I need to pay them {$240.00} to cancel.
Product: Credit card

I purchased an XXXX XXXX XXXX from XXXX about. I had to return it because the phone was getting warm when it gets charged and it was dying so quickly the battery was not functioning very well. I returned it using their label and Ive sent many request for them to refund the item Ive never received a refund. They kept pushing me and pushing me without any result, and then I had to dispute it with the company, Capital one, which handled my dispute even though I provided a tracking number and tracking confirmation that XXXX received the phone may also followed up with XXXX by email and I was able to send the email confirming the XXXX has received. The XXXX clearly states XXXX has received the XXXX and the email and it comes from an XXXX XXXX even with all this information, this Capital one is not wanting to refund my money for this return product. Please have them. Found my money because last time I called them, they said were not able to do anything because the 90 days has passed, but I have been sending the documents and a timely manner to them so this is just incorrect and you can look at the submissions. Ive sent them all the documents they requested in a timely manner please refund my money for this return product. they have a confirmation they need to refund this product immediately
Product: Checking or savings account

I have over XXXX Unauthorized Transactions from XXXX XXXX. I DO NOT have an active Cash App account. I have checked with Cash App and there are NO transactions made in my name or with my SSN that is registered with their company. I have explained this to CHIME Dispute department but I keep getting passed off like it's not a big deal. I just filed dispute and they already send me a denial letter. This is ridiculous and unfair. 

This is A LOT of my money that was taken for an account I hardly ever use. I recently had a large sum of money from my retirement deposited that is now gone! I have already started speaking with an attorney over this matter and need to get my money back ASAP! Chime as initial denied my Dispute but I was never provided with specific details or information showing proof I was at fault. This is 100 % NOT my fault and I am willing to fight them until I get my funds back! 


Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$4300.00}
Product: Credit reporting or other personal consumer reports

Kindly review the attached documents that I have been able to include.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital ONE Auto Fin keep showing up on my credit Im not applying for it so i dont know why its showing up on my credit! I call them about this and they say i have to call XXXX. When i call XXXX they say I have to call the creditor Capital One. Stop pulling my XXXX credit! Do not pull my XXXX credit again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally contact Experian on XX/XX/2017 regards to numerous unknown inquiries sometime multiple and asked them to investigate or remove the inquiries the customer service rep was uncooperative and said I need to contact the companies in question. I advised them I did already reach out and also have sent letters with no responses. Experian was still unwilling to assist me and said they will not accept my dispute. inquiries : XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES 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 > MULTIPLE DIFFERENT INQURIES
Product: Debt collection

I received a letter from XXXX dated XX/XX/2017 stating the following : Dear XXXX, You have already paid XXXX {$3700.00} and we want to help you resolve this account once and for all. Call XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time XXXX. would like to thank you for paying {$3700.00} signed XXXX Division XXXX I called XXXX to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX -in litigation XXXX XXXX XXXX XXXX XXXX XXXX  -in litigation XXXX XXXX XXXX XXXX XXXX -in litigation XXXX XXXX XXXX XXXX XXXX XXXX -in litigation After speaking with the IRS, they stated that all charged off accounts over XXXX is canceled debt and ordinary income as these companies filed these on their taxes so why is it on my credit report I shall receive a 1099c from these companies regardless. They cant file these as charge offs and report debt at the same time this is illegal These inaccuracies shall not be on my credit report as debt. My rights are being violated per! 5 USC 1681e ( d ), violation of US Cide 1681, Violation of Us Code 1681 I ( 5 ) ,15 USC 1692 G Please delete these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened : XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA. 

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine:XXXX
Product: Credit reporting or other personal consumer reports

Third party agencies have shared my Non Public Personal Information, in violation of the Fair Credit Reporting Act. ( Account Balances, Charge offs accounts, etc I kindly ask XXXX, XXXX and Experian to delete from my credit report the following information : XXXX XXXX XXXX XXXX XXXX as per 115 U.S. Code 1692g and 115 U.S. Code 1635 2. XXXX XXXX XXXX XXXX XXXX XXXX per 115 U.S. Code 1692g and 115 U.S. Code 1635 3. XXXX XXXX XXXX collection, as per 115 U.S. Code 1692c and 115 U.S. Code 1692g and 115 U.S. Code 1681 e ( b ) 4. XXXX XXXX, collection, as per as per 115 U.S. Code 1692c and 115 U.S. Code 1692g and 115 U.S. Code 1681 e ( b ) 5. XXXX, charge off, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 6. XXXX XXXX XXXX XXXX, Account Number XXXX, Inaccurate or false Information, affecting negatively my XXXX XXXX. 
XXXX. XXXX XXXX, Charge Off, Account Number, XXXX, as per 115 U.S. Code 1692g and 115 U.S. Code 1635 Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX XXXX on XX/XX/2022 Paid the charge off.XXXX XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. XXXX XXXX XXXX account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX know that this account should be deleted based on the Fair Credit Reporting Act listed below. 

They never investigated this account, which was charged off and reported as a profit and loss write-off ; however, it continues to be reported monthly, which is a violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ), furnishers are required to provide accurate and complete information to the credit reporting agencies. The continued reporting of a charged-off account every month creates a false impression of ongoing delinquency, which is misleading and damaging to my credit profile. A Charge-Off is a One-Time Event, Not Ongoing. Once an account is charged off and deemed a profit and loss write-off, it should not be reported as a continuing delinquency each month. If it is, this violates FCRA 623 ( a ) ( 1 ), which requires accuracy in reporting.. Re-aging the charge-off to extend its reporting period is a violation of FCRA 623 ( a ) ( 5 ). 

All they did was verify the debt and realize it is a charge-off, and they keep reporting it monthly.
Product: Credit card or prepaid card

I had a late payment in XX/XX/XXXX begin reported by Kohls on my credit report on all three agencies. I have had a Kohls 's credit card since XX/XX/XXXX is yet an open and actively used account. I have tried contacting the lenders but was given a proper response urging me to submit a complaint here as I paid after the payment due only once! It has been negatively affecting my ability to get open other credits and lower interest rates for a mortgage as I am trying to provide my family with a house and get on my feet. It is the only late payment ever that is affecting my score ; therefore affecting my ability to increase and build credit.
Product: Credit reporting or other personal consumer reports

Dear, XXXX  I am writing to dispute the reporting of an inaccurate late payment on my credit file Acccount # ( XXXX ) for the date of XX/XX/year>. This entry is incorrect, and I request you investigate this matter and update this alleged late payment to an on-time status in the payment history. 
As part of this dispute, I demand that XXXX  provide the method of validation used, including all correspondences with any parties who claimed to validate these alleged late payments. This should describe the procedure TransUnion used to validate the accuracy and completeness of the information being reported. Please provide the names, positions, work phone numbers, work addresses of individuals who were involved in this validation process. 
Thank you for your attention to this important matter. I expect a response within the mandated 15 day period per the FCRA, beginning upon your receipt of this dispute.