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

I have been trying to regain access to my Equifax account online but when I try to log into my account I receive an error message stating " We are temporarily unable to complete this request, please try again ''. I've tried multiple times on different days and times to login and I continously get the same message. I contacted Equifax customer service and was told to reset my password and login without any issues, I reset my password since I've contacted them and I still continue to get the same message " We are temporarily unable to complete this request, please try again '', this is now an issue that I hope to resolve. Equifax doesn't seem to care or help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to put a security freeze on the disclosure of my credit consumer report. Also, I wish to opt out of any credit reporting done within my personal information. Under the Fair Credit Report Act youre required to comply. I do not give you my permission to disclose my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Transworld Systems added a derogatory mark on my credit report per XXXX XXXX. Upon, Further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Transworld Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. 

XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX XXXX otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.
Product: Debt collection

MRS Aaociates called my business provided and paid cell phone  on XX/XX/XXXX asking for XXXX XXXX. I told the woman that there was no one by that name nor did I know anyone by that name. I told her she had a wrong number and not to call in the future. They called again on the XXXX and hung up when I answered. Then called again on the XXXX.  I called their number three time until I spoke to a XXXX XXXX and was told again they would take my number off but it would "take at least 48 hours"They call from different numbers that can't be called back. They repeatedly hang up When the call is answered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complain has been filed to request pursuant to FCRA section 606B ( 15 U.S.C section 1681c-2 ) that you the XXXX, XXXX XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccuracies, and false information consists of a personal credit cards opened at XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX all of these mentioned accounts have resulted in several fraudulent inquiries, and collections appearing on my consumer FICO credit report. I do not recognize the mentioned accounts, collections, and hard inquiries appearing on my consumer credit report. I have attached a copy of my FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX a credit collection account was placed on my credit reports. I have previously contacted CFPB in regards to this acct being used unauthorized. Last week XXXX XXXX sent me a packet with a few statements. I have no knowledge of this account. 
They say this is from capital one. I currently have two great standing accounts with capital one so not sure how they have a derogatory account. 
I was in XXXX treatment for a few years for XXXX XXXX XXXX. At that time I was barely breathing and a lot of my information was used. I have placed security alerts on my credit reports as a result of that situation. I have attached my XXXX XXXX XXXX XXXX XXXX ID card.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXXXXXX Balance Owed : {$510.00}
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. 


I am unsure why either XXXX or WAYFAIR would have had a Citibank response, as the report shows XXXX  is the " owner '' and the accounts were sold. 

My report shows both accounts Citibank responded to me as " owning '' originate with XXXX XXXX ( as does a XXXX XXXX XXXX card that is not mine ) not Citibank. I have never had a Citbank account of any kind. 

The Wayfair account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/. 

IF the XXXX XXXX XXXX Card is also Citi 's, and once Again ALL THREE are listed as XXXX XXXX  on my report, that would also need deleted. 

The account, account number XXXX, reference number XXXX XXXX XXXX  on XX/XX/XXXX  and was opened with XXXX XXXX. 

The XXXX account account ending in XXXX, formerly XXXX is listed as XXXX. 

ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.
Product: Credit reporting or other personal consumer reports

It also shows the ORIGINAL Terms were 42 Months. The loan was paid in 42 Months.

Additionally the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately.

Specific Inaccuracies FIELD Currently Reporting Correct Information FCRA Violations Metro 2 Violations Payment Status Late Status for XX/XX/year> Paid/Closed/Never Late -15 U.S.C 1681c -15 U.S.C 1681e ( b ) -15 U.S.C 1681i Base/17A : Incorrect Payment Status.

Base/19 : Improper Comment Code.

Account Status Closed/Derogatory Closed/Positive -15 U.S.C 1681e ( b ) -15 U.S.C1681i ( a ) ( 1 ) -15 U.S.C 1681a Base/17A : Incorrect Account Status Comments Loan Modified Paid/On Time/Never Late -15 U.S.C 1681i ( c ) - 15 U.S.C 1681O - 15 U.S.C 1681N Base/19 : Improper Special Comment Code Legal Violations The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : - Defamation of Character - Neglect Enhancement of Identity Fraud - Violation of the Fair Credit Reporting Act.

- Violation under 15 U.S.C 1681o Civil liability for negligent non- compliance - Violation under 15 U.S.C 1681n Civil liability for willful non- compliance - Failure to comply with 15 U.S.C 1692 ( g ) - Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports- Violation under 15 U.S.C 1681 ( i ) Method of Verification - Violation under 15 U.S.C 1681a Right to privacy - Violation under 15 U.S.C 1681c Requirements relating to information contained in consumer report.

Demand for Immediate Action I demanded that you immediately : 1. Update the payment status to reflect Paid/Current 2. Update the account status to reflect Closed/Positive 3. Remove all comments referring to a Loan Modified.

4. This account is paid, current and NO balance is owed, and NEVER 30 days late.

Failure to respond satisfactory within 30 days will result in a small claims action against your agency. I will be seeking damages for all violations, as each violation carries a statutory cost of {$1000.00} under 15 U.S.C 1692k.

Conclusion : I ALSO HAVE DOCUMENTS FROM MY BANK SHOWING MAILED PAYMENTS BEING SENT BACK DU
E TO XXXX XXXX XXXX XXXX NOT ACCEPTING THE PAYMENT DUE TO LOW AMOUNT. 
ALSO, ON THE XXXX WEBSITE IT SHOWS THE FOLLOWING ONLINE PAYMENTS : THESE ARE USUALLY THE FASTEST WAY TO MAKE A PAYMENT AND WILL BE REFLECTED IN YOUR ACCOUNT QUICKLY.

WHAT IS QUICKLY IN THERE PERSPECTIVE?

I HAVE PROOF ONLINE PAYMENTS TOOK 4-5 BUSINESS DAYS TO POST ON THE ACCOUNT.

IS THAT QUICKLY? I BELIEVE NOT.

I BELIEVE THIS WAS A TACTICAL BY XXXX XXXX XXXX XXXX TO RECEIVE EXTRA REVENUE THROUGH UNETHICAL PRACTICES.

I expect this letter to be taken seriously and demand that this fraudulent and defamatory account be corrected immediately. If the requested corrections are not made. I will escalate this matter through legal channels.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

UNITED AUTO CREDIT C XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX  CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX 2. XXXX  XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX J.P.Morgan Chase Bank without any explanations closed my joint with my wife accounts. 
As I have been told by phone The Bank issued two Cashier 's cheques # # XXXX and XXXX, but sent them to the mailing address that I have been using for correspondence with the bank till XX/XX/XXXX. As since XX/XX/XXXX my banking statements and other mail from the bank were correctly sent to my home address in XXXX XXXX ( Attachment_01 ) such a mistake looks for me inexplicable. 
In XX/XX/XXXX I finally managed to file a Claim XXXX which was closed and reopened in April ( Attachment_02 ). During phone calls with constantly changing managers of Branch Complaint Escalation Group ( example could be seen in Attachment_02 ) it turned out that the only way to get my money back is to file a Declaration of Lost, Stolen or destroyed cashier 's check ( Attachment_03 ). The declaration concerns issues when check is physically lost or stolen and should be considered as a equivalent of sworn testimony in court and therefore must be notarized, in my situation in US Embassy in XXXX. 
The Bank forces me to make a false statements for which I have been already sent a blank declaration form twice ( see Attachment_04 ) by XXXX.
Product: Credit card or prepaid card

XXXX PayPal Credit : I made a payment last month for {$110.00} when I did this, giving them XXXX cents extra, they raised my minimum monthly payment due {$110.00}, instead of {$110.00}! They do this every time I give them a little extra ; this has happened before! I gave them extra because of my XXXX and I didn't want to be late with my payment. 

And, the other problem I'm having is that when I purchase something and it rises to the {$100.00} value mark or more, I have until XXXX to pay it off. I'll make my minimum monthly payment due approaching the XXXX mark. And, I'll make my payment and they'll tell me I'll only have to pay the minimum monthly payment whether it's higher or lower, and the bill will be satisfied. And now for some apparent reason they have stop that, and are charging me more! 
And, XXXX time I paid them early near the first of the month trying to show my appreciation because my bill isn't due until the XXXX of each month ; and they took the money out early and caused my account to go into a XXXX state and myself and the bank were very upset! 
And another time, I have to check behind them if I'm given a refund from XXXX or XXXX, I'll have to physically call them to make them apply the refund through the back office, or they'll charge as if there were no refund! 

I'm angry, and I think they are taking advantage of me because of my XXXX, I'm a good customer and has never been late with my bills! XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA, XXXX Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX - XXXX Your agency is in breach of the law ! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I bought a car from a friend back in XXXX and before the title was transferred to me, there was a bridge toll incurred on the car. After they contacted my friend for payment, I helped them resolve it and called the toll office. I paid the amount that I owed, and now in XXXX they sent my friend a letter saying that it was never paid and it has been sent to a collection agency. They are threatening to take the so-called owed amount out of my friends tax return. When I spoke with the bridge toll office back in XXXX they told me it was fully resolved, so we shouldnt have to deal with this. 
The collection agency that sent the letter is called Professional Account Management , LLC and is based in XXXX, WI. The letter was addressed to my friend XXXX XXXX in XXXX, CA. I have tried the agencys phone but cant get a representative on the line to help me resolve this.
Product: Credit reporting or other personal consumer reports

I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX BANKRUPTCY XXXX acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account XXXX and a collections account opened at XXXX XXXX XXXX XX/XX/XXXXXXXX  with a balance of {$940.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.