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

I opened this car loan in XX/XX/2020- which right after this car loan was opened, we had a world pandemic. This car reported lates on my credit report when it should not have - the entire world shut down due to COVID, I was unable to work and XXXX XXXX XXXX knew that and with the government assistance not coming through fast enough and unemployment was impossible to get, there were some lates that happened that were out of my control. XXXX reported a 30 and 60 day lates on my credit report. None of this should have happened in the first place, these lates were out of my control due to the pandemic.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. 
This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor am I a mortgage company.
Product: Mortgage

I was told that my monthly payment would be XXXX a month. It quickly escalated to XXXX a month then XXXX a month by switching it from bank to bank which was several, I was contacted by Bank of America and told not to pay my mortgage for several months then apply for a home modification loan that caused me to fight in court for over 1 year and was told based on there guidance that I was losing my loan as a first time buyer. 

In the meantime the three credit reporting agencys continue to deny my rights under the FCRA regarding reporting fraudulent mortgages that are disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this from XX/XX/2022 Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I have sent the company multiple notices I have sent Transunion a copy of the police report as well as the FTC Report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX, XXXX and XXXX XXXX 15U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXXI made an instore purchase for jewelry. the store clerk sold me on opening a store credit card for 10 % and my total purchase came to {$22.00}. 

On XX/XX/XXXX I received a call that my account is over 60 days late with a total amount due of {$77.00} which I paid on {$77.00}.

I had not received any bill or notice of late payment before this. The Kohls rep I spoke to on XX/XX/XXXX at XXXX said he confirmed the address they have on file for me is correct and that they mailed a statement in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any of these. I'm otherwise very good with paying every bill on time and have scores over 800. 

It's very unfortunate that I opened a new card for a mere {$22.00} and never received even the first bill, so easily overlooked this as a monthly payment. The kohls rep said there was nothing they could do about this.
Product: Credit card

I signed up for the American Express XXXX card with a bonus of XXXX membership rewards points after meeting the minimum spend. I met the minimum spend and was given the XXXX points. Three months later Amex took the points back. When I called I was told it was due to " returned products. '' There were never any returned products. The CSR agreed with me and told me they would open a case and I would hear back within XXXX5 business days. I never heard back.
Product: Prepaid card

Someone duplicate my debit card and the bank closed my account on the internet. When I called to complain, they asked me about the last transaction and they did not charge me for other charges they had then. Four months later I realized that there were fruity charges and after the investigation they reported that I spent a lot of time. I had not noticed these fraudulent charges because they closed my internet account and I informed them that I was out of the country so I did not have access to my account statements. Nor did the operator inform me that there were charges after my last transaction.
Product: Debt collection

Discover continues to report a debt that is not mine and a result of identity theft.
Product: Credit reporting or other personal consumer reports

On my consumer report, It is shown that XXXX XXXX XXXX is labeled as a collection/ Charge off. How can a Collection be a charge off? If something is a charge off then the debt as been satisfied. This is also a finance charge. In this case I have extended my credit to XXXX XXXX XXXX and they are the debtor. So how can I owe on something that I lent out in the first place? According to 15 U.S. Code 1602 ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person. In this case I am the natural person. Experian in this manner is violating the FCRA/ FDCPA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q. Section 809 ( b ) Section 809 ( a ) Section 807 ( 8 ) Section 807 ( 10 ) 813. Civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma lied to me. I am a victim of credit karma. I been with them sine 2018
Product: Credit reporting or other personal consumer reports

Account was fraudulent and was not authorized by me. Company refused to remove account from my credit report which is hindering me from obtaining any future credit
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

18 USC 1028A Because 15 USC 1681b states they must have a written consent from me the consumer. 

Highlighted inaccurate information as well!
Product: Debt collection

Company Information : Name : Jefferson Capital Systems Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Account Information : Account Number : XXXX Last Reported On : XX/XX/year> Date of Last Activity : XX/XX/year> Credit Bureaus Reported To : XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection/Charge-Off Account Rating : Collection/Charge-Off Creditor Type : Collection Services Account Status : Open Balance Owed : {$490.00} Complaint Details : I am writing to file a formal complaint against Jefferson Capital Systems for the handling of the above-referenced account XXXX which is currently reported on my credit files with XXXX, XXXX, and XXXX. My complaint is twofold, focusing on the inability to validate the debt due to Jefferson Capital Systems ' use of an address that does not receive mail, and the subsequent reporting of this unverified debt on my credit reports. 


Despite my efforts to validate the debt associated with the account number XXXX, my attempts have been hindered by the fact that correspondence sent to Jefferson Capital Systems at the address provided ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) was returned to me, indicating that the address does not accept mail. This situation has left me at a significant disadvantage, as I have been unable to exercise my right under the Fair Debt Collection Practices Act ( FDCPA ) to validate the debt in question.
Product: Mortgage

2008 my husband past away and they were doing a hardship and out of nowhere some guy was taking pictures of my house and told me he had just purchased it I was devistated and move out well years later after talkin with XXXX XXXX she told me to contact XXXX XXXX and after researching I found out that Wells Fargo bought them out in 2008 along with another lending company XXXX XXXX how do I get in on the lawsuit for XXXX billon my son was so affected by this move and memories of his father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will never understand why they sold without any notice it was a big hardship
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act convergent Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for and purpose.
Product: Credit reporting or other personal consumer reports

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

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, 1 XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Company Inquiries : 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 XXXX XXXX XXXX XXXX
Product: Debt collection

I'm asking to fix the disputed items on my credit report, as attempts to verify with the furnisher of information have failed. Credit bureaus must legally update my accounts, but despite disputing and sending letters, the inaccurate information remains uncorrected, violating FCRA provisions. I'm not requesting an investigation ; I demand the entry be corrected entirely, as there's no proof of its existence and the reported information is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; 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
Product: Student loan

My student loans were in default. Last tax year XXXX, IRS garnished all {$9000.00} of my tax return to pay on this loan. This past XXXX tax year, IRS took the remaining {$4000.00} to finish paying the loan off. As of today, this account still shows that it is a collection! It is not, it is paid in full and should be saying so. It is hurting my credit report extremely negatively when I try to get new credit. This needs to show that all of the loan accounts are paid in full and needs to get off of my credit! ASAP. This is ridiculous, it's been over a year since payments have been applied!
Product: Credit card

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to XXXX XXXX, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Mortgage

We have our current mortgage with Chase Home Finance. Have excellent payment history. We kept getting letters about refinancing at a lower interest rate. When I did call the rate was not as low as my letter but they could still get us a lower rate than we currently have and less years. They describe the letter as " marketing projections done months in advance. So we paid the {$460.00}. Application fee, signed paperwork and " locked in '' at 4 % and zero points. We kept having to get a bunch of extra documents to underwriting which was annoying but understandable. JPMORGAN Chase changed the 15 year, XXXX point and 4 % to 20 years, XXXX points & 4 % and then after the appraisal came back they changed it to 30 years, 4 % and XXXX points. It would cost us XXXX. To get a worse mortgage than what we had and the letter we got explained that this was based on my husbands credit score which in the next paragraph stated his credit score is XXXX. The interest rates had fallen since we started trying to refinance. When I asked about changing our rate lower, I was told for better or worse we were locked in, but according to the paperwork we signed we SHOULD HAVE also been locked in on points.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my Information being exposed, I have submitted a FTC complaint reporting the information that I am not familiar with. Please find attached a copy of my drivers license, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach.
Product: Debt collection

I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency 3 letters to validate/verify the debt and each request was ignored but they continue to report to the credit agencies. I also disputed the debt with the credit agencies but the collection agency advised the credit agencies the debt was valid, but without responding my letters and providing any proof
Product: Credit reporting or other personal consumer reports

"

I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

AS I LOOK AT MY REPORT, I NOTICED THE FURNISHER REPORTED THE ACCOUNT WITH INNACURACIES. I TOOK ACTION BY WRITING THE CREDIT BUREAU TO LET THEM KNOW ABOUT THE INNACURACY OF THE ACCOUNT AND ASKED THEM TO REMOVE IT. I SENT AN INVESTIGATION LETTER ON XX/XX/2021, I NEVER GOT A RESPONSE. I SENT ANOTHER LETTER CERTIFIED IN THE XX/XX/2021. THEY RECEIVED IT ON THE XX/XX/2021. AGAIN 30 DAYS PAST THEY NEVER REPSONDED TO MY INVESTIGATION. I AM DEMANDING FOR THIS ACCOUNT TO BE DELETED IMMEDIATELY FOR NON COMPLIANCE
Product: Credit reporting or other personal consumer reports

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and XXXX, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. Please remove this bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to Equifax, XXXX, and XXXX. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.
Product: Credit card

On XXXX XXXX, 2015, I attended a sales presentation by XXXX hotel and resorts in XXXX, FL. After a 5-6 hour sales presentation, after being promised the presentation would take no longer than 2 hours, they pressured us, like I 've never been pressured before ; we were worn down, exhaused and confused. They gave us reassurance that we could own a time share for approx {$50.00} per month, as they kept asking us what we could afford to pay. We told them that was our limit, in no uncertain terms. Shortly before they made the sale, they presented with me a pay pal line of credit card, in my name. I assumed I would have to give them my personal authorization to open up this line or any line of credit as I have had an extended fraud alert for the last 7 years through experian, transunion and equifax. To my chagrin and astonishment, they went ahead and opened up this pay pal line of credit, without ANY consideration of my ability to pay. It was apparently, I later surmised, opened on my credit score alone? I 'm not even certain about this. And conveniently, they paid THEIR Wyndam time share off with my pay pal line of credit I NEVER would have agreed to if I knew what was going on. They also make it next to impossible to read over the materials they present to you. The pay pay line of credit is what caught me off guard the most. I learned later that they tried to qualify me by opening an account with XXXX, which was denied. Also they tried to qualify my husband and he was denied to. WE do NOT have the ability to pay for this, feel that our consumer rights were violated in more ways than one, and we are in the process of returning the timeshare to XXXX, who make it clear that they will not offer us a penny in return. Still we want to be free of this organization forever. Please reconsider this debt we owe to paypal credit, as we feel is is not ours to repay as we were violated and I believe scammed. Thank you in advance for your attention to this matter!