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

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX and XXXX Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Prepaid card

I tried using the card on XXXX, it declined. I waited a few hours to try again and it declined again. I then went onto XXXX to check the transaction history, and it was showing multiple declined transactions from paypal. I then called the number on the back to see if I could let the transaction through so I can link the card to my XXXX. The number had no real human to resolve the issue and no other way to let the transaction through.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to paid as agreed to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act 15 USC 1681.

15 USC 1681e ( b ) ( b ) Accuracy of report 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. 
The reporting of inaccurate information to a consumer reporting agency is damaging to my credit worthiness, credit standing, credit capacity, character, and general reputation. 

I have disputed this charge-off on several dates and every single response came back verified. I will submit records of this. 
The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM XXXX must be issued. The IRS states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Product: Student loan

I requested a refund for my federal loan paid on XX/XX/XXXX with the amount of {$2100.00} through EdFinancial services. I submitted this request on XX/XX/XXXX. I called back on XX/XX/XXXX to ensure that this refund request went through in their system, however, the representative told me that there was no existing request on my file when I called a second time. 

After submitting a request for the second time, I made sure to ask if there was a confirmation method. However, they mentioned no confirmation method is made and I can not request an email confirmation. I have reason to believe the loan servicer EdFinancial is lying to their customers about requests being inputted into the system and lying about not having a confirmation method. 

I would recommend customers call XXXX times to ensure their requests are submitted, because clearly they are not logging every request made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX, XXXX XXXX TRANS UNION on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX and XXXX  acct # XXXX According to 15 USC 1681i XXXX, XXXXXXXX XXXX TRANS UNION shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to correct the late opening of my account with Credit Bureaus. Despite multiple communications and efforts on my part to rectify this issue, the problem persists, causing undue inconvenience and frustration. 

As a valued customer, I expected a higher level of service and efficiency from your organization. However, the ongoing delay in addressing the late opening of my account has not only inconvenienced me but has also hindered my ability to engage in timely financial transactions. 

I have made several attempts to resolve this matter by contacting your customer service department and submitting the required documentation. Despite assurances of prompt action, the issue remains unresolved, and I have yet to receive a satisfactory resolution. 

I urge you to prioritize this issue and take immediate steps to correct the late opening of my account without further delay. Timely action is essential to restoring my confidence in your company and ensuring a positive customer experience moving forward. 

Additionally, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to explore alternative options, including escalating this matter to higher authorities and seeking legal recourse. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX  Balance : {$10000.00}.
Product: Debt collection

I called today I was transferred to a rep. I asked the collectors if they can remove XXXX names ftom this acvoubt bc they were temporarily which they said so. I said let me speak with your manager. The rep started mocking me, arguing, not professional. Extremely rude. 
If this is the type of service they provide, I'm not willing to pay until their names the debt is solely mine.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

Trans union is now on day XXXX of opening an online dispute and closing it days before it was to be evaluated. I have received NO information on any disputes in the mail or online. All my online disputes have been closed without response and no proof for closing has been provided Trans union has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; When provided with XXXX report its clear multiple accounts Transunion has reported are both old and fraudulent, accounts have all beeen reported to FTC and Transunion has evaluate or resolve any issues. When mailed information Transunion has disregarded letters and information they are required to use for evaluations. When provided with conflicting information vaulting Transunion attempts to update files instead of remove as legally required. Never once have i requested an update and Transunion has sided with business instead of properly running disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has carried the name 'XXXX XXXX on my account and the as the primary name associated with my SS # since at least 1992. I have tried repeatedly to have Equifax delete this name from my credit report, and they continue to not delete this erroneous name. 
Not so incidentally, all the other credit bureaus have my name correctly and do not carry the erroneous name anywhere! 
CREDIT REPORT XXXX XXXX Report Confirmation XXXX Dear XXXX XXXX : Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. 
If there are items you believe to be incorrect, you may Initiate an investigation request via the Internet 24 hours a day, 7 days a week at : www.investigate.equifax.com
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 the company XXXX ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I recieved a letter from American Express dated XX/XX/XXXX that stated, " We are writing to inform you that after a recent review of your American Express account referenced above, we have cancelled the account because it was not being used for its intended purpose. '' This letter came after I was called by an American Express representative stating that my account was to be cancelled, which I thought it was a " scam '' call. I contacted American Express and they told me that indeed my card was cancelled, but they could not tell me why and could not put me in touch with anyone that could do so. I have been a cardholder since XXXX and I have never had any problems or issues associated with this account. 

My wife and I are currently in a Covid19 mortgage forbearance with XXXX XXXX and my wife 's career has been affected by the Covid 19 virus. She is currently collecting XXXX. We also recieve XXXX benefits and XXXX. We pay all of our bills on time and have above average credit rating. The cancellation of my American Express card will affect my credit rating, as I have had this card for over 16 years. I feel they are being evasive and lack transparency in their communication regarding this matter. I can only assume this may be related to our current Covid19 related forbearance and our participation in public assistance programs.
Product: Credit reporting or other personal consumer reports

Inaccurate addresses, wrong names and failure to validate collection accounts
Product: Credit reporting or other personal consumer reports

DATE : XXXX, XXXX  RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION.

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sorry but I dont have all the dates I have contacted the company more but have the chat dated which is attached XX/XX/XXXX, cant call them but tried since XX/XX/XXXX and every month to get this resolved every month explaining yes later then normal due to family situation mother took XXXX XXXX and XXXX XXXX so yes it has taken financial hit to us but never been 30 or more days late. 
Then disputed with credit bureau on these dates with no resolve and called them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and some of the dates sent documentation.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX Balance {$790.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT CEASE AND DESIST OF REPORTING FRAUDULENT TRANSACTION AND ACCOUNTS AND REQUEST OF LATE PAYMENT TRANSACTIONS AND CONSENT CEASE AND DESIST OF REPORTING FRAUDULENT TRANSACTION AND ACCOUNTS AND REQUEST OF LATE PAYMENT TRANSACTIONS AND CONSENT LETTERS AND INTENT TO SUE COMPLAINT/FRAUD AFFIANT : XXXX : XXXX. DEFENDANT : XXXX [ CO DEFENDANT AFFIRM INC ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX, CA TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : XXXX XX/XX/XXXX I XXXX : McTier. I'm a natural person and this dispute isn't coming from a 3rd party. I recently received a copy of my consumer report, and i noticed there are late payments posted on my consumer report. I'm requesting that these late payments be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction I U.S. Code I US Law I Legal Information Institute. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1. Prohibition ( A ) Reporting Information with actual knowledge of errors. 2. Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section XXXX of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Here 's the account I am referring to : ALLEGED Account XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM ACCT # XXXX and all comments be removed immediately. I'm asking that account be shown as PAID AS AGREED. OR DELETE IMMEDIATELY XXXX PLEASE SEND THE WRITTEN AUTHORIZATION LETTER THAT I SENT TO YOUR COMPANY GIVING YOU WRITTEN CONSENT TO FURNISNED THESE TWO ACCOUNTS ON MY CONSUMER REPORT. ALSO PLEASE SEND PROOF OF THE TRANSACTIONS FROM THE ALLEGED CREDITORS THIS IS FRAUD AND VIOLATION OF GAAP SINCERELY, XXXX : XXXX. Living Woman Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE UCC1- 308 ALL RIGHTS RESERVE WITHOUT PREJUDICE ALL DEBTS ARE PREPAID HJR 192- 1933 OF UNITED STATES INC .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Fair Collection and Outsourcing, Inc did not investigate and verify with the original creditor the amount that was owed. They send me a bill instead and forced me to pay it. This alleged debt was from an apartment complex. Up to this day, this company refuses to verify the correct amount owed to the original creditor. I since then made contact with the original creditor and they can locate any balance owed. 

This company needs to be investigated about its practices. They are violating FCRA.