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

EXPERIAN, XXXX, XXXX Last 4 socialXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX on the account XXXX XXXX XXXX XXXX XXXXand accordance with the fair credit act XXXX 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 a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately.

After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Debt collection

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. 

Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i called experian to unfreeze mycredit agent send id, s.s, writtenon XXXXXXXX  i when to postaloffice and paid XXXX dollar XXXX  over night so that the documents be there ton XXXXXXXX  i call XXXX agent the i wanted to unfreeze my credit i send my documents over night i when postal service send through XXXX  agent i wanted unfreeze my credit agent ok til when XXXXXXXX  agent it's lifted i called a company is with apt to check it wasn't they call me back and it was still freezen to call experian back try it again XXXXXXXX  the regal office talk to XXXX  told all that haven than XXXX this should've been off your credit but what did took off sold it to XXXX XXXX and XXXX XXXXput back on your credit report XXXX call XXXX  ok thank you
Product: Student loan

I called to request a loan refund on XX/XX/26 and was told that it would take 8 weeks. After I called back today, I was told that it will take another 4 to 6 weeks.
Product: Debt collection

I have formally complained about bad debt in my name due to fraud. Also, I have several incorrect addresses in which I have never resided. The following companies have not taken any action or provided any communication : Experian XXXX XXXX XXXXXXXX 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

I received a bill from American Coradius International LLC stating I owe XXXX {$370.00} and I contacted XXXX XXXX and I don't owe them anything.. I spoke with a XXXX and he said they will send this to XXXX XXXX  and they will do a full investigation on this and to disgard this statement. 
The address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Toll FreeXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : Collection # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments 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 XXXX XXXX. I have never been late on payments for the account : XXXX XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

My Credit Card Information ending in XXXX is not being reported by XXXX XXXX and XXXX, I have been getting this resolve for many months and it was unsuccessful. XXXX told me to do a POA so they can reinsert the account back on my credit report.
Product: Mortgage

Have on the credit report that this is a joint account. I am divorce, it on file in XXXX XXXX in NC. The bank is Santander Bank N.A. XXXX XXXX XXXX, XXXX, MA,XXXX Tele- XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cash app due to inadequate customer service and unfair practices which which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process Was unfair and decent, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Debt collection

XX/XX/XXXX : My Identity Theft Protection service alerted me to fraudulent activity on my account. I was told to contact XXXX XXXX XXXX XXXX. Discovered that my identity was fraudulently used to set up an account to purchase 3 devices and 4 lines of service. The charges amounted to {$2500.00}. Account # XXXX. 

XX/XX/XXXX : I completed and submitted an Affidavit of Fraud to XXXX XXXX XXXX XXXX via email, Reference # XXXX. 

XX/XX/XXXX : Received email from XXXX XXXX XXXX XXXX that my claim was investigated and determined that I was NOT responsible for any charges to that account. XXXX stated that they would submit request to the 3 major credit reporting agencies to remove me from any reporting on the account. Copy of the XXXX letter is attached. 

XX/XX/XXXX : Received Alert Notices from my Identity Theft Protection Service with negative activity on my report. I called my XXXX XXXX XXXX, and discovered that there now is a debt collection agency ( Jefferson Capital System ) attempting to collect on the fraudulent XXXX account balance of {$2500.00}.
Product: Credit card

I received a credit card from Sephora that I never applied for. I talked to Comenity Bank over the phone on XX/XX/XXXX, and learned that a credit card was opened without my knowledge or consent at XXXX XXXX, XXXX, NY on XX/XX/XXXX, and a {$500.00} purchase was made. It was an identity theft and they said that the payment would be disputed and the account would be closed. They would start an investigation that will take up to 90 business days and the result will be mailed to me. 
I called XXXX to make a report on XX/XX/XXXX and set Fraud Alert. They also started a dispute process and investigation that will take up to 30 days.
Product: Credit card or prepaid card

To Whom It May Concern, It was in late XXXX XXXX 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.
Product: Checking or savings account

I called the company on XX/XX/21 and the phone number was no longer good. The Lender. Target Cash XXXX was supposed to deposit loan of {$1000.00}, but did not. Yet Target Cash had previously deposited {$1000.00} into my account and instructed me, as a good faith measure, to use that money to purchase {$1000.00} worth of XXXX XXXX cards and text the company photos of the cards. After the completion of this task, my {$1000.00} ; loan was supposed to be deposited on XX/XX/21. However, this did not happen.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit with your organization has been compromised. I have discovered that items are not being removed from my credit report, even when accompanied by a Federal Trade Commission ( FTC ) report. This communication serves as formal notification that I have been a victim of fraudulent activity. According to the Fair Credit Reporting Act Section 605B ( a ), your organization is obligated to remove any items opened without my authorization, consent, or knowledge within four business days, provided I submit ( 1 ) valid proof of my identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement asserting that the information is not related to any transactions I have made. The items listed below are fraudulent and must be removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$4700.00} Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX =======EQUIFAX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00}. Should you assert that these items are accurate and verifiable, I request that you provide me with documentation bearing my signature associated with these items, as I believe such documentation does not exist. In the absence of a signed agreement from me, these items must be removed from my credit file. Enclosed with this communication is my latest FTC report, number XXXX. It has come to my notice that there might be a pattern of non-compliance with the FCRA statute in your handling of such matters. Ignoring this request may compel me to seek legal advice and action. I urge you to avoid escalating this matter into a legal dispute and to act within four business days to remove any fraudulent items from my credit file. I do not authorize the use of XXXX or any automated verification methods in this matter. Your prompt attention and response within the specified timeframe are anticipated and appreciated.
Product: Money transfer, virtual currency, or money service

On Wednesday XXXX XXXX a payment was made via PayPal from XXXX XXXX from his stored PayPal balance to my account under XXXX. The payment was made in error, was not requested. He tried to cancel the payment and was told via email that I had to reject the payment. I have NOT accepted the funds and according to PayPal online support my only option is to refund the money less an XXXX $ fee they automatically charged. I have tried with three different agents to cancel the transaction as a whole and restore the balance to the senders account. They are trying to force me to accept the funds because it was completed despite showing as pending. The transaction ID is : XXXX. According to the sender its still showing pending on his end. If I wait 30 days the transaction will automatically cancel and return funds to sender less the fee. PayPal will not waived the fee despite it being an errant transaction. I will NOT accept the funds as I believe this will void my ability to fight their policy. I have NOT accepted any terms and conditions to automatically receive funds and they have not provided me proof of it either.
Product: Consumer Loan

I took out a loan of {$12000.00} with Prosper Loan, and we agreed that they would take {$600.00} in advancethat is to say, I only received {$11000.00} in my loan. The interest rate was 7.91 percent. 
They were going to charge me {$370.00} on the 20th of each month to cover the minimum payment, which was {$290.00} going toward the principal and {$78.00} in interest, for A TERM OF THREE YEARS. 
I agreed, and I told them that I was going to make some extra payments as often as possible in order to pay off my account BEFORE the term was up. I asked them if the extra payments I would make would be applied to the principal, and they responded that they would. 

I took out the loan in XXXX, and the first payment was made in XXXX. Ive paid almost {$3000.00}, when in actuality I should have just paid {$1100.00} for the three months. 
They have not made the monthly reduction [ of the principal ] as we agreed, neither in XXXX nor in XXXX. That is, they keep on applying interest as if I havent paid, and according to them its because I made additional payments. But theyre also applying interest to the additional payments.
Product: Debt collection

XXXX, XXXX XXXX. asked for proof of bill being mine and never received any information from the debt collator on this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to get fradulent accounts, fradulent addresses, names etc off of my credit report i have had no response back or any actions taken to have them removed from my credit reports as of yet or any validation from these fradulent accounts, names, etc. The following are not my accounts : 1.XXXX XXXX XXXX   acct # XXXX** 2. XXXX XXXX  XXXX acct # XXXX** 3. XXXX XXXX XXXX acct # XXXX** 4. XXXX XXXX XXXX acct # XXXX** acct # XXXX** 5. XXXX XXXX/XXXX acct # XXXX** XXXX XXXX XXXX XXXX acct # XXXX** THE FOLLOWING NAME SHOULD ONLY BE ON MY CREDIT REPORTS FROM ALL 3 BUREAUS EXPERIAN, XXXX, XXXX AS FOLLOWS : 1. XXXX XXXX XXXX THE FOLLOWING ADDRESS IS THE ONLY ADDRESS THAT SHOULD BE REPORTED ON MY CREDIT REPORTS FROM ALL XXXX BUREAUS, ALL OTHER ADDRESSES ARE FRADULENT! 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX SC,XXXX
Product: Debt collection

Pulled my credit report and saw i debt collection agency on all 3credit Bureau 's I have never received any letters or documentations about any debt.
Product: Student loan

Due to previous unemployment and then reduced income and high medical expenses for XXXX life saving operations and the need for mortgage modification, my student loans fell into default after exhausting deferments. I thought my loans were being restructured through XXXX XXXX XXXX. I think I was scammed as the loans are now in collection with Performant Recovery for XXXX. Performant contacted me about a rehab program in XXXX 2016. I entered into an agreement, providing credit card and bank account information. They never took the payments and now are garnishing my wages, 15 % of my income. They claimed they called me about needing additional information and another person claimed that they did not need to call me. They had all the information they needed - and I know this because I re-entered into the same agreement today ( XXXX XXXX ). I knew their process was error prone when I reviewed the listed references they had on file, which I updated. I explained that the error was theirs, for {$5.00} per month under the rehab agreement, and that they never contacted me ... But they did contact my employer who now must take 15 % of my wages under the garnishment. This was not supposed to happen at all. I will now be at greater risk of foreclosure instead of mortgage modification, will not be able to pay for critical medical operations and treatments relating to XXXX, can not pay for school and basic living expenses and I could even get fired because of the garnishment. I believe that Performant Recovery operates in a sloppy manner and in bad faith.
Product: Credit reporting

I originally had XXXX inquiries on my transunion report. I added XXXX more within the last two months for a total of XXXX within the last year. 
Every week, the entire XXXX inquiries are deleted for no reason. A week later, the XXXX inquiries are re added lowering my score. These same inquiries have been removed and re added several times. I am trying to rebuild my credit and this has dramatically lowered my score. This needs to stop. They need to stay on or stay off. It 's ruining my credit
Product: Debt collection

Received a form letter from XXXX XXXX XXXX stating I have a serious delinquency with a loan company and legal action is being prepared. Due to the dollar amount being over {$100.00}, they have noted the account as possible fraudulent activity and malicious intent to commit fraud. I have never used this loan company ; I have not worked for the employer they state as being on the application in over 10 years. There is no reference of contact to dispute the debt, other than a phone number demanding a full payment ( payable to XXXX XXXX XXXX ). Failure to make the payment could result in a summons to appear in court. 

My only recourse thus far has been to contact the loan company to verify if I have an account ; no account on file ( ACE Cash Express ).
Product: Debt collection

caller from credit control call me several times starting at XXXX XXXX trying to collect a debt owed by someone else i have repedetly told them that i am not that person sometimes when they call they say nothing just listen i tell then that they are a bunch of punks that like to harass people after a while they hang up this has happened several times not saying anything the last time they called -- XX/XX/09 XXXX i told them that i was not regena and to stop calling me i said that i am tired of them calling me different times of the day for some one i dont know after a few choice words to them i hung up - they come up on my caller id as credit control XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there. I have an account with citi bank it is overdrawn and past due. I've reached out to Citi to come to a settlement agreement or have a minimum payment. They have told me that I have to pay the full balance. I haven't received a statement in 3 months. Now unfortunately I checked my credit and noticed that citi has reported that I MISSED a payment of {$48.00}. Had they told me or issue my statement showing that my minimum the minimum is {$48.00} I would've been able to cover this cost. Which is what I've been asking for. I even tried finding out my minimum on the app and it displays the same information they've given over the phone. 
They have reported information to my credit that was not reported to me. How can I make a minimum if I'm unaware of what it is. At all time they were trying to get the full balance all at once.
Product: Credit card

I am writing to address an issue with my credit report. My flexible spending credit card was included in my XXXX  XXXX bankruptcy, which has been discharged. Despite this, the credit card company has not removed the account from my credit report. This oversight is affecting my credit score and financial recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have you ever tried to reach a LIVE human at Trans Union? Have you tried thier 3 reporting agencies- reporting product? I HAVE- AND THEY RIPPED MY MONEY OFF. Try asking for your money back ; because I have- on 4 occasions, now, as I am typing, this is the 5th attempt to reach a LIVE Human -to at least, GET MY MONEY BACK THAT I WASTED MY TIME on- trying to get them to add my clean credit report as, this is what IS a verified and actual recent and TRUE report. I have had open disputes that have been resolved in my favor, but to this day, even with trying to pay TU to look at the other repirting agencies findings, they have not CHANGED the report, they have not looked into my resolutions and outcomes from my past disputes. Not only this, dont assume that your reports are ALL clean, I have tried to apply for credit, thinking that the money I paid was for them to look at the other agency reports, but NOOOO! What they DID DO is ADD a freaking INQUIRY! LAME! I am still waiting to ask for my money BACK and have them take the inqury off and add the NEW reports!