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

This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX U.S.C. XXXX ), that you, Experian, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer XXXX credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer XXXX credit report maintained by Experian showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint ( Case Number : [ private case number ] ) I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
XXXX XXXX for My Request : XXXX. FCRA XXXX : Requires credit reporting agencies to block fraudulent information within XXXX business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud. 
XXXX. FCRA XXXX ( XXXX ) ( XXXX XXXX. XXXX ( XXXX ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.
Product: Credit card

Earlier in XXXX I called the number on the back of my credit card to close my account ( that had been inactive for XXXX months ). Earlier this week I received a new credit card from US Bank that I did not request, which I assume is fraudulent activity.
Product: Debt collection

Over the past 6 months I have received numerous calls from XXXX XXXX XXXX XXXX XXXX department about outstanding debt. I have repeatedly told them I have never done business with them and have no clue what they are talking about. Each time they tell me I'm correct and they'll remove my name from their list. Then I get a call about it a few weeks later again. They have also yelled at me demanding payment or they will report it to the credit bureaus when I called them a scam.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments.

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by Equifax. Despite my previous submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), these accounts remains on my Equifax credit report. 
Upon discovering this fraudulent accounts, I contacted the associated company, which confirmed the fraudulent nature of the accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent accounts continues to be reported by Equifax despite being removed by the other credit bureaus. 
Accounts in Question : XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

Reference complaint XXXX Synchrony bank closed three credit cards-JCPenney, HSN and QVC on the same date I accidently made an overpayment and their customer service told me that anytime they received an overpayment that Synchrony shut down any credit cards that the customer had. 
The letters they sent me, and I assue they sent to the credit bureau said my payment history indicated a risk of failure to pay. This is an untrue statement and I want a new notification that states the true reason for closure because there is NOTHING in my payment history that shows any kind of risk of failure to pay-this is a LIE!! 

My credit should not be judged on a false statement given by Synchrony. The answer to the original complaing is ambiguous-thay say it might not be for that reason that the account was closed! So state the real reason or reopen the accounts! 
Also, in answering the originl complaint, they sent an email with a name and phone number to call to discuss. I called at least 12 different times and left messages but no one called me back-the response said this woman tried to call me one time and didnt get an answer-she left no message so we could connect and discuss. They purposely sent out contact information with no intention of actually talking to me. I want a letter from Synchrony that does NOT say " Risk of failure to pay '' because that is untrue and a slanderous statement that they are communcating to the credit bureau and I am being judged unfairly. Tell the truth Synchrony and cease and desist sending false info to the credit bureau! Correct the closing reason or reopen the accounts! Correct the information you sent to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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- ( i ) promptly delete The following inquiries are unauthorized : 1. Verato/Dept of Justice on XX/XX/XXXX 2. Experian Business Cred on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. Jpmcb Card on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX XXXX on XX/XX/XXXX 8. XXXX on XX/XX/XXXX 9. XXXX XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Student loan

I went to XXXX XXXX graduated from there in the year 2011. I haven't gone back to school anywhere else, and my degree is worthless. So I want my loan off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX  holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Student loan

I had XXXX private student loans for daughter to attained XXXX that was a private school. Both loans were in my bankruptcy I file in XXXX. My attorney told me to keep paying on the loans anyway he thought it was a mistake but it was n't. After discharge the loans were closed for lesser amounts in XXXX. Sallie Mae never sent me a letter or contacted me to tell the loans were closed. I continued to pay on the loans for over 2 years and three months after they were closed. Also they did not apply any of my payments during the 5 years of the bankruptcy or the two years and three months after the discharge I paid toward the loans. I have called them five times about getting my money back. They have told me that they put the payments back into my bank account but they did not and said I would get a letter in three weeks that I never received. Call back six weeks later and was told it was in the audit department for review and it would other three weeks and never heard from them. I called again in six weeks and was told it was still in the audit department. Six more weeks I called again and now they are saying I never have had a loan with them. I called them again around XXXX/XXXX/16 and now they are saying I did have the loans and they were transferred to XXXX. XXXX said no they never had the loans and Sallie Mae has them. Now they are pointing the fingers at each other. All I know and have told them that all the checks are stamped deposit by Sallie Mae. They either owe me {$11000.00} I paid them during my bankruptcy plus {$5000.00} I paid after they closed my loans. But I do know they owe me over {$5000.00} or all the payment I made after they closed the loans. I have all my bank statements and the checks they deposited into there account from day one. They have also listed the loans as being in bankruptcy and closed in my credit report. XXXX of credit reports have removed them XXXX stills has it listed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has done everything in their power to fight me on removing this from my credit file, this debt collector bought this from someone else and listed on my credit on XXXX as the open date XX/XX/XXXX XXXX. They have a lot of inaccuracies on this account and I never attended the school. Then I have LVNV Funding LLC I have reached out to the credit bureau many times and filed many disputes, and there is XXXX another collection agency, on my credit I have contacted the credit bureaus and agencies because all XXXX of these are resold accounts with inaccurate information and they change the information on my credit each month, the things they are going against the law 15 U.S.C S.1692d
Product: Debt collection

I was an XXXX XXXX XXXX customer back in XX/XX/2018. I cancelled the service and returned the equipment. A year later I noticed a collection on my credit which dropped my credit by 27 points from AFNI. I reached out to XXXX XXXX XXXX and they informed me that they would investigate the account. At the time I could locate the receipt that was handed to me at the XXXX store in the XXXX area. I later received a check from XXXX XXXX XXXX and thought that they had located the equipment and that everything was ok. I am at a point where I am trying to get my finances together and wrote a letter to AFNI and asked to resolve the issue by settling the issues ( basically a pay for removal from my credit ). So they responded with a verification letter, which details that the balance was for unreturned items. I found my old phone in my storage unit and found there receipt detailing the equipment was returned.
Product: Credit reporting

Car loan with XXXX XXXX XXXX is reporting monthly late remarks after being approved for a loan approve extension. Account should not be reporting as late on credit reports. Also late fees are still showing, and were to be added to the loan extenstion. And I am continuously robocalled numerous times a day about making a payment when my account is current.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 60 days 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 XXXXXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The  accounts are from these companies ; XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.
Product: Credit card or prepaid card

My employees had given me a {$50.00} XXXX ( TD Bank ) gift card for my birthday. I never used it ( it even still has the sticker on it that needs to be removed before use ). I found it in a box with other gift cards in XXXX during COVID and realized that it expired XX/XX/XXXX. I wasnt going out or spending much money in XXXX due to the pandemic and not working, and I knew that I could have the money put on a new card. I phoned the number on the card yesterday, finally ready to begin to go out again, to ask about having the balance ( {$50.00} ) put on a new card. I was told that the card was registered in XXXX ( I have no way of knowing that ), that the card has been closed, has no value, and that I should throw it away. The card does NOT list NJ, where I live, as one of the states that has a monthly inactivity fee. It says on the back of the card that the funds do not expire. It also says, You can request a replacement card at no charge, following the Good Thru date if there is a remaining balance. Does it make sense that the unused card has no value?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Product: Debt collection

Upon visit to XXXX XXXX on a Saturday, I attempted to pay in-person at the time of service. Because it was a Saturday, and they could not contact my health insurance to verify my {$50.00} copay amount, they would not let me pay in person at my visit the day of service. Several months later, on XX/XX/20, I received a collection notice saying this {$50.00} bill was placed with a collection agency. THIS WAS THE FIRST TIME I HAD EVER SEEN THIS BILL IN THE MAIL AT ALL! When I called XXXX XXXX ( XXXX ) at XXXX on XX/XX/20, to let them know they never sent me a bill at all ( until I received this collection notice ), they said they had sent me the bill three times before the collection agency had sent me this letter. They had my correct address but they had my incorrect phone number. I am an XXXX XXXX XXXX for XXXX Unified School District and I XXXX  MY STUDENTS TO PAY THEIR DEBTS ON TIME. I have never paid a bill late before so for me to receive a collection notice ( which will negatively affect my credit ) is devastating to me. Immediately after I received this collection notice, I paid the bill as soon as possible on XX/XX/20 ( as I always do when I receive any bill ). I don't know if someone had tampered with my mail, but this is not my fault and should not negatively affect my credit in any way since I had no control over paying this bill on time. Please let me know how we can erase this from my credit score and why I never received a bill in the mail before it went to a collection agency. 
Thank you very much. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal notice through the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent accounts on my credit report. in complaint iD : ( XXXX ). According to 15 U.S.C. 1681c-2, your agency is required to block fraudulent information within four business days of receiving such notification. As of today, XX/XX/year>, more than four ( 4 ) business days have elapsed since my initial submission, yet this fraudulent information remains on my report. You have failed to comply, leaving this information on my report in violation of the Fair Credit Reporting Act ( FCRA ). This disregard for FCRA timelines constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. Additionally, by failing to ensure the accuracy of my credit report, your agency has also violated 15 U.S.C. 1681 ( a ) ( 2 ), which mandates that consumer reporting agencies adopt procedures to assure maximum possible accuracy of the information they report. I have suffered significant harm as a result, including denial of credit, employment, and severe damage to my reputation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In light of these ongoing violations, I demand immediate deletion of these fraudulent accounts from my report and written confirmation of your compliance within XXXX business days. I also reserve the right to pursue damages for the harm caused to my financial standing and reputation. Please be advised that if this matter is not resolved promptly, I will pursue legal action to enforce my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email from Venmo stating that I paid XXXX XXXX {$10.00}. I never sent XXXX XXXX XXXX dollars or anyone else XXXX dollars. 
I called Venmo and disputed the payment to XXXX XXXX on XX/XX/year>. They closed my account at that time. 
On XX/XX/year>, I received an email from Venmo saying they received the case that I filed on XX/XX/year> and are denying my case. 
Their response was, " Based on our review, we found this transaction to be consistent with your payment history. '' " If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX " Transaction ID : XXXX Paid to : @ XXXX XXXX XXXX {$10.00} Dispute Date : XX/XX/year> Dispute Claim Denied : XX/XX/year> Dispute ID : XXXX External Payment ID : XXXX ( same as above )