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

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am becoming emotionally stressed about this matter. This is my second complaint because they are saying my complaint is unauthorized. They say that to stall from investigation. They have not shown me proof of the account being late, and it shows the date last active is inaccurate as well. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted, and they seem to be ignoring the laws. These accounts have been preventing me from getting business funding and it's very stressful for me and my family.
Product: Debt collection

Said I do not have to pay this month bill due to hurricane damage on phone bill and 2 year later after disconnected from service saying I still owe for that month
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted 75 or 80 % back than. and currently displaced homeless due to financial issues. I was in XXXX XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to XXXX  and went straight to the XXXX XXXX to see what the issue was, I was told to call XXXXXXXX XXXX  agency because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this XXXX XXXX  have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of XXXX ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA. 
The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

A Loan was taken out in my name. I didn't get the money nor was it deposited into my account. I never applied for loan someone used my information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 or other personal consumer reports

XXXX XXXX  is reporting that I owe them XXXX for a XXXX credit limit. At that time I was making monthly payments until. Contracted XXXX in XXXX. 
When I called to check the status of my account in XXXX of XXXX I had an overpayment. I have not used the account. I have not seen a bill in almost a year and to top it off the account number that they are reporting to the credit bureaus is NOT my account number. I filed a dispute with Trans Union Credit bureau in XX/XX/XXXX. When the Representative asked me for my credit card number, she told me that my number was incorrect. I told her I am holding the card in my hand, this is my account number. She said that is not the number I have in front of me. She said she would include that in the report and the dispute was filed. 
I have not received any correspondence from XXXX XXXX  regarding this matter. They are damaging my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my Experian credit report, which has persisted despite previous disputes. This erroneous information is adversely affecting my creditworthiness and financial standing. I request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 



XXXX XXXX XXXX XXXX XXXXXXXX - Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX - I found late payments inaccurately reported on this closed account. Please investigate and remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account. 

XXXXXXXX XXXX XXXXXXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a zero balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 

XXXX  XXXX - XXXX - I dispute the accuracy of the charge-off account on my credit report. Please validate the account details, including the account number and open date. Additionally, verify the reported payment history. If unable to validate, please remove the account from my credit report. 

XXXX  XXXX - XXXX - The charge-off account on my credit report is inaccurately reported with discrepancies in the high balance, high limit, and payment history. Please verify and correct these inaccuracies promptly or delete the account from my credit report. 


Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. Despite my previous efforts to dispute this inaccurate information, it remains on my credit report, causing undue harm.

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA mandates that consumer reporting agencies must promptly delete or correct inaccurate information upon receiving a dispute. The persistence of this inaccurate information on my credit report demonstrates a violation of this provision.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : 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

While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX XXXX Account Number : Reason for Dispute : Account states Open, Incorrect information report, balance Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action.

Thank you for your immediate attention to this matter.

Sincerel
Product: Student loan

I am trying to pay down my private student loans as quickly as possible. I take advantage of auto pay and set a higher amount to be deducted than what 's due each month so I can apply the extra payments toward the principal balance. However, after I set these amounts, XXXX XXXX/Navient continues to lower the monthly amount automatically deducted, without any notification. Every few months I have to call and make a request that the original amounts of my auto pay be reset. After many months of this pattern ( I have detailed notes going back to XX/XX/XXXX ), it is clear to me that Navient is reducing the auto pay amount so that less is applied toward the principal balance, therefore extending my payment length and they ultimately earn more money off of my interest rate. The differences between the set auto pay amount and what Navient actually deducts differ greatly. For example : On XX/XX/2016 I requested that my monthly auto pay amount for XXXX loan be {$500.00}. Now several months, Navient has the XX/XX/XXXX monthly auto pay set to deduct only {$380.00}, a difference of over {$100.00}. This unauthorized change to the auto pay amount elongates my loan payment period from 1 yr, 1 mths to 1 yr, 5 mths. This is happening on all XXXX of my private loans. Navient has not provided a sufficient explanation on why this amount keeps reducing. They are making it harder for me to pay off my student loans.
Product: Credit card or prepaid card

On or about XX/XX/21, I attempted to purchase a pair of lamps from XXXX using a Citibank credit card. I never received the lamps, the website disappeared, and its social media disappeared. I then attempted to dispute the charge of {$29.00} with Citibank. Citibank initially issued a credit and claims to have contacted the merchant. Today, I received a letter from Citibank denying the dispute and refusing to issue the credit. Citibank also enclosed what it purports to be the merchant 's response. Interestingly, that sheet lists the " Business Description '' of the merchant simply as a friendly " XXXX. '' Sure seems legit. 

This is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time requesting 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 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are invalid Collections on my credit report that I do not recognize. This is causing a lot of detrimental circumstances for me and a big toll on my credit report.
Product: Credit card

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
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 : : XXXXXXXX XXXX XXXX  XXXX
Product: Debt collection

I joined XXXX XXXX company around XX/XX/2023. XXXX would send us option trades to follow and trade. They guaranteed positive results with a money back guarantee if the client lost money. Within six months I lost over {$7000.00}. I then contacted XXXX XXXX to ask for my money and advised them I was cancelling my subscription. They refused to return my money or cancel my subscription and sent me for collection. I then contacted the collection agency to explain what happened but to no avail. As a result of this my credit rating has suffered and my creditors raised my interest rates.
Product: Credit reporting or other personal consumer reports

I am submitting to address the matter of the alleged debt associated with my account. After careful examination, I have become aware that this debt has been re-aged, a practice that is both unethical and in violation of consumer protection laws. Consequently, I demand the immediate deletion of all records pertaining to this re-aged debt. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dba CEO of XXXX XXXX obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of XXXX and XXXX XXXX dba CEO of Experian Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Deletion of Accounts Due to Data Breach I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The accounts in question, which are at risk due to the breach, are as follows : XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$630.00} XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX Balance : {$630.00} Additionally, I am requesting that the following inquiry also be investigated and removed as part of this process : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXXXX/XX/XXXX
Product: Debt collection

Diversified Consultants Inc, ac ting as a debt collector representing  XXXX   XXXX   XXXX  has been contacting me from about early  XXXX  claiming that I have not returned  XXXX   XXXX   XXXX   XXXX  equipment to their client  XXXX   XXXX   XXXX  when my services were cancelled on or about   XX/XX/XXXX .  By the way, prior t o Diversified Consultants Inc. sta rting to contact me,  XXXX   XXXX   XXXX  had also been contacting me saying that I had not returned their equipment. I provided  XXXX   XXXX   XXXX  and subsequent ly Diversified Consultants Inc. a s well  with proof of my having returned the equipment. I provided Diversified Consultants Inc. proof of my having returned the equipment with pictures of the  equipment that I had taken inside the boxes before being packed up by their designated  XXXX  store as well as the work order receipt with the tracking # for the shipping provided to me from the  XXXX  store. This information was provided to  XXXX   XXXX   XXXX  of  Diversified Consultants Inc. vi a email sent to her o n XX/XX/XXXX  . I have the email and all attachments sent to  XXXX   XXXX . The calls and letters stopped as of that date leading me to believe I have finally resolved this issue. The collection letters and phone calls resumed all of sudden in   XX/XX/XXXX !!! I know see that as of this month, they have reported this debt I do n't even have with th e collection bureaus. The amount is for {$760.00}. I feel this is fraudulent, wrongful and irresponsible debt collection being perpetrated against me by both  XXXX   XXXX   XXXX  and  Diversified Collection , Inc  after repeatedly being provided with proof of my not owing this debt!!! I am so frustrated at how it has now gone on my credit report that I have worked so hard on building. I need this to be investigated and to have it removed from my credit report and any other  XXXX   XXXX   XXXX  or any collection agency working on their behalf 's account! Please help.
Product: Vehicle loan or lease

I was not 30 days late for the following months ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX