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

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX  : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit card

Back in XXXX  I called the stores And explain to them I didn't apply for any credit card from them And now it is on my credit report
Product: Credit card or prepaid card

I applied for and was denied for a Target red card. The ONLY reason for denial was according to Target themselves " -Your application was declined because you have a number of accounts with recent delinquency. '' I have ONE very simple question, an answer every consumer who applied for credit has a right to know. What is considered " RECENT '' as in a RECENT DELINQUENCY '' is within 6 months considered RECENT? 
Is 6-12 Months Considered RECENT is 12-18 Months considered RECENT is 18-24 Months considered RECENT is 24-30 Months considered RECENT is it 30-36 Months considered RECENT Is 4 years old considered recent is 5 years old considered recent More specifically : what is the length of time that needs to past for Target to NOT consider a Delinquency RECENT? 

Target has failed to answer the most basic question previously, hopefully they will answer is this time around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SPECIAL SERVICES DEPARTMENT ACCORDING TO FRAUD AGENT XXXX AT EXPERIAN SPECIAL SERVICES THE FRAUDULENT XXXX ACCOUNT IS NOT ELIGIBLE TO BE REMOVED WITH DOCUMENTS I SENT, THE FTC IDENTITY REPORT AND POLICE SHOWING THAT SOMEONE HAS ALREADY BEEN ARRESTED FOR THIS CRIME AND YOU CAN NOT REMOVE IT BECAUSE THE ACCOUNT AND DOCUMENT DOESNT MEET CRITERIA FOR IT TO BE BLOCKED. DOESNT MEET EXPERIANS INTERNAL CRITERIA TO BE BLOCKED. I ASKED WHAT INTERNAL CRITERIA IT DIDNT MEET AND WAS TOLD I COULD NOT BE TOLD THAT ITS AN INTERNAL REASON. EXPERIAN IS KEEPING FRAUDULENT ITEMS ON MY CREDIT AND VIOLATING FCRA WITHIN 30 CALENDAR DAYS IF THE CREDITOR HAS NOT RESPONDED THEN THE ACCOUNT SHOULD BE DELETED. ACCORDING TO XXXX. XXXX STATED ON THE XXXX OF THIS MONTH BEING MAY IT SHOULD BE DELETED IF XXXX DIRECTLY DOESNT RESPOND NOT A THIRD PARTY COMPANY. 
I called in XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that experian is refusing to block these fraudulent items because of their INTERNAL policies which have nothing to do with the LAW. This is defamation and improper use of my credit report. This is a violation of the Federal Trade Commissions policies and legalities. Block and delete this account permanently from my credit report. Abide by the law and FTC requirements and Sec 604 and 609 of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX
Product: Debt collection

I am filing this complaint to bring to your immediate attention a matter of utmost concern regarding the inaccurate reporting of my credit information. Despite multiple attempts to address and rectify the situation, I am still facing serious discrepancies in my credit report, which are adversely affecting my financial standing. I am extremely annoyed and frustrated by the repeated negligence in addressing my disputes. The inaccurate information on my credit report is causing severe damage to my creditworthiness and overall financial well-being. I demand an urgent and thorough investigation into this matter. It has come to my attention that these accounts contain late payment markings that are not accurate. The late payments were a result of an error made by the bank in sending statements to the wrong address. The bank has acknowledged this mistake and has agreed to update the accounts to " open/never late '' and remove the late payment markings. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also please take note that I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

Following letter mailed to SKO Brenner XX/XX/XXXX, with account numbers, dates and dollar amounts, together with supporting documentation. I was never sent a past due notice ( which the payment was not nor notified the invoice was being turned over to a collection agency : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Re : XXXX-XXXX, XXXX account # Dear Sir, I am responding to your collection notice regarding the above referenced debt dated on XX/XX/XXXX. The debt identified in the notice was XXXX-XXXX, XXXX, Account # in the amount of , and referenced client #. 

I do not owe the debt and have enclosed the copy of the wire transfer from my personal checking account for $ to XXXX-XXXX, in addition to, the portion of my personal bank account statement verifying the payment cleared my account on XX/XX/XXXX. I do not owe for the debt you that you are attempting to collect. 

Please record that I dispute having any obligation for this debt. If you have reported this collection of debt to a credit bureau, I require a copy of the completed correction in your reporting submitted to the credit repository ( s ). 

Thank you for your cooperation. 

Sincerely, Cc : XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX Colorado Attorney Generals Office Enc.
Product: Debt collection

XXXX XXXX Account has been charged off and written off. There is no contractual agreement with the creditor and I the consumer as the debt does not exist in accordance of the write off. I request proof that debt is owed and that all documentation has been provided to the XXXX in accordance of the charge off- written off account that XXXX XXXX has reported consistently to my consumer report. I request proof that the account is charged off, proof that it is written off as all parties will be held responsible for falsifying and furnishing my consumer report inaccurately. An XXXX XXXX can not be reported to a consumer report as indicated pursuant to FCRA on what can and can not be reported. If a debt is cancelled/ charged off there shall be proof of the information provided to the consumer for the purposes of the consumer accessing and filing that information on a federal income tax. I demand Experian complete a thorough investigation of this matter and request information from Experian to whom they have corresponded with within this investigation the parties name and address, time and date and proof of the documentation from the XXXX  ( cancellation of debt ) that proves the account is in fact charged off. I am attaching to my consumer report for the purposes of capital XXXX practices in falsifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. I have attached also the letter response from XXXX, XXXX that they are deleting or blocking these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Nelnet changed my payment history this year XXXX XXXX from all on time payments to late or missed payments from the months XX/XX/XXXX-XX/XX/XXXX. They just decided that somehow I was late on payments that I have been on income repayment program since I withdrew from the university and they loans had been credited back to The Dept of Education. Back in XXXX, I withdrew before the new semester started and have proof the loans were sent back. When I contacted Nelnet about the issue they said they only collect payment for the dept of education. I emailed copies of my student ledger showing the payments back to the loan but they have not dont anything to correct the loan on my credit report. 

I also was a victim of the Nelnet data breach when so many borrowers had their social security number stolen among other things.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ct XXXX DE XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute and Notice of Non-Compliance Civil Liability for Negligence ( 15 U.S.C. 1681o ) Dear Equifax I am writing to formally dispute every account listed on my Equifax report ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education, remove hard inquiries, late payments and collections e.g., inaccurate information on your credit report, failure to respond to a request, unauthorized inquiry, etc. ]. This matter falls under 15 U.S.C. 1681o, which holds parties civilly liable for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681o, a party that negligently fails to comply with the FCRA is liable for actual damages sustained as a result of the violation, as well as the costs of legal action, including attorneys fees if necessary.

To resolve this matter, I request the following : Immediate correction and compliance with FCRA requirements.

Written confirmation that the violation has been addressed within the legally required time frame. 
Compensation paid by check to XXXX XXXX for damages incurred due to this negligence of {$1000.00} from each company/business listed on my credit report inaccurately out of compliance with the FCRA requirements. 
Failure to comply with this request may result in further legal action, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potential civil litigation to enforce my rights under the FCRA. 

Please respond in writing within 30 days from the date of this letter. You may send your response to the address listed above. 

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

I'm writing to alert you of a very serious and critical issue : the compromising of my Social Security number, which has resulted in a data breach and identity theft. To resolve this matter as soon as possible, I contacted the Federal Trade Commission and submitted an FTC Report, which is enclosed with this communication. 

According to 15 USC 1681c-2 ( c ) ( a ), as a credit reporting organization, you must immediately block and remove all information linked with this identity theft from my credit report. This Act requires credit reporting companies to respond to such requests within four business days after receiving a complaint that includes the following information. 

XXXX XXXX - XXXX : ** You have violated United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I never gave you any written consent to report anything on my consumer report. Under 15 U.S. Code 1681b, these accounts must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. This letter has also been sent to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX XXXX XXXX XXXX - XXXX : ** The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX The XXXX data  breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

I am emphasizing the importance of the situation and my expectation of a swift and effective response. Failure to reply satisfactorily will force me to take legal action against your agency, as allowed by law. Please be advised that I shall seek damages, including but not limited to statutory fees, with each violation incurring a statutory cost of {$1000.00}, as provided in 15 U.S.C. XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfers

I sent a mobile payment of {$1000.00} via email to my Aunt using my Bank of America account and it was routed to a closed XXXX account. After reaching out to both Bank of America and XXXX to get the matter rectified Bank of America informed me that XXXX would not be returning my money. When my aunt called XXXX to get the information they tell her that they can not go into the account because it is closed, Yet when I called XXXX they ask for my aunts information to look into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to reach IC System since 2022 and I have yet to receive any response regarding the information I requested. Because I do not recognize this account I do not believe that this account is mine.
Product: Credit card

I maintained a credit card with Regions Bank from XX/XX/XXXX to XX/XX/XXXX. I enrolled in automatic recurring payments monthly, paying the entire statement balance without fail. 

This setup worked until a Regions internal system glitch removed my recurring payments, causing 60 days to lapse between payments. Regions closed the account in XX/XX/XXXX and reported the late payments to XXXX, XXXX, and XXXX. 

A few months later in XXXX, Regions sent me a letter describing their internal error and how it caused the payment lapse and subsequent closing of my account. In the letter, they take full responsibility for the error. 

I attempted to file a dispute with the credit reporting agencies and Regions, however it seems like automatic responses continue to be issued. Meanwhile, my credit is negatively affected because of the action ( or inaction ) of some too big to fail entity who has already admitted fault. 

CFPB is my last chance to get this right. Please see attached letter from Regions Bank.
Product: Credit reporting or other personal consumer reports

Disputed Information : Balance : {$2800.00} ( unverified ). 
Account Status : Open ( requires validation ).

Account Type : Derogatory.

Remarks : " Account information disputed by consumer, meets FCRA requirements '' needs further investigation.

Original Creditor : XXXX XXXX XXXX requires validation of transfer of debt ownership. 
Dispute Codes XXXX : Claims inaccurate information account balance. 
XXXX : Claims inaccurate information account status. 
XXXX : Consumer states inaccurate information. 
XXXX : Disputes other information. 
Compliance Condition Code : XXXX  : Consumer disputes ; investigation in progress. 
Reason for Dispute The information reported by XXXX XXXX  XXXX XXXX is inaccurate or unverifiable, as outlined below : Balance of {$2800.00} : I dispute the balance and request validation, including : An itemized breakdown of the debt. 
Evidence supporting the total amount owed. 
Account Status and Type : The account is marked as " Open '' and " Derogatory, '' but no details have been provided to verify this status. 

Original Creditor : The original creditor is listed as " XXXX XXXX XXXX. '' I request : Proof of the transfer or assignment of the debt to XXXX XXXX  XXXX XXXX. 
The original signed contract establishing this debt. 
Remarks : The remark " Account information disputed by consumer, meets FCRA requirements '' needs further investigation and supporting documentation. 

Requested Actions Validate the debt and provide documentation, including : Original creditor agreement. 
Proof of debt ownership transfer to XXXX XXXX  XXXX XXXX. 
Detailed payment history and itemized balance breakdown. 
If the debt can not be verified, remove this account from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Correct any inaccuracies in the balance, account status, or remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continually reported account being unpaid or unsettled when in fact they have received payment. back in XX/XX/2021 i filed a complaint and the response was that it was deleted. it was not deleted or blocked and remains on my credit report. i have submitted numerous proofs showing i met the terms of my settlement and account was closed and paid yet it remains. XXXX complaint ID for reference. this item needs to be blocked and deleted from my report. i am ready to seek legal action for violation of FCRA and for punitive damages. if this matter is not resolved. this account was settled back inXX/XX/2021 this needs to be resolved ASAP
Product: Credit reporting or other personal consumer reports

My car was paid off last year at the end of the year and then by the next month on my credit report it stated I was late to make a payment. I then called Experian and they gave me the run around telling me to call the dealership while the dealership stated to call the credit bureau,, after going back in forth a team member from Experian told me to put in a dispute I put the it was paid off in full then about a month later Experian stated that the account was deleted instead of closed resulting to me no longer having a credit score. Ive reach out to both the dealership and credit bureau and Im still getting the run around. Experian told me to reach out the the dealer to get a reinsertion letter due to the dealership telling them to just delete it instead of providing evidence that my account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to Equifax, XXXX, and XXXX  regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.
Product: Credit reporting

I keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
All data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence.
Product: Credit reporting or other personal consumer reports

Please note these accounts and inquiries are not mine. I need help removing this. Data breach must have stole my social ss # this is unfair.