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

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the EXPERIAN AND XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of charge off, inquiries and collection accounts from XXXX with a balance of {$300.00} account # XXXX, XXXX XXXX XXXX XXXX with a balance of {$4500.00} account # XXXX, XXXX XXXX XXXX  with a balance of {$250.00}, XXXX XXXX XXXX with a balance of {$300.00} account # XXXX, XXXX XXXX XXXX with a balance of {$250.00}. inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in s
everal hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I need your help immediately. 
A company was reported on my credit file XX/XX/2021 from Capstone ( XXXX XXXX XXXX XXXX XXXX ) for {$10000.00}. This company never contacted me in any way ( phone, email or mail ) before putting it on my credit file. I sent in a request for validation XXXX times about this inaccurate information being placed on my credit. They didn't send my any documentation back so I have any contract or any association with this company. This is not right at all for a company or creditors to do this and the credit bureau to allow it. 

Please help me with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under XXXX XXXX Section XXXX A. XXXX XXXX has the right to privacy. 

XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX : Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX : Account # XXXX
Product: Debt collection

I received an collection email on XX/XX/XXXX, supposedly on behalf of Speedy Cash. I called Speedy Cash and confirmed that this is not a legitimate debt or correspondence from their company. I am including the information in the email below : " CREDITOR : SPEEDY CASH ( ADV.AMERICA ) CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 



We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 



This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 



IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : XXXX : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 

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

My account with XXXX XXXX XXXXXXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX  XXXX, XXXX XXXX and all payments were placed on XXXX. 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 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 my account 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 XXXX  days before the payment due date. XXXX XXXX XXXX, 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

On XX/XX/2023 I was charged {$44.00} dollars by XXXX  *XXXX XXXX XXXX, XXXX for XXXX seatbelt extenders. 

I returned these back within 10 days, receive a partial refund in the amount of {$26.00} and a partial refund from Chase in the amount of {$3.00}. 

I've probably called Chase XXXX times to get my remaining {$17.00} back. Over the last 60 days. 

Their off share workers are incapable of accomplishing this simple task. 

Partial Credits issued ( but still {$17.00} to be made whole ) : XX/XX/2023 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/2023  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

The company deducts interest from partial principal payments when paying scheduled installment payments. 

The company does not have a means for consumers to make payments to principal balance only. 

The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX Account Number XXXX have violated my rights. 

Upon reviewing my Experian, report on XX/XX/2024, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information. 

Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished 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

This is an old account that has been paid off and closed years ago. It is being illegally reported and I would like it to be removed from my credit report.
Product: Vehicle loan or lease

Received a letter to pay off account in the letter states for me to call and if I need to arrange payments in installments when I called requested full payoff will not work with me to pay off balance. Expecting a call back from supervisor never returned call
Product: Checking or savings account

i cant use XXXX on my Sofi Account keep getting and error message Unable to verify your Identity for your protection this feature is unavailable and i been having this problem with my sofi account for a very long time and the issue never gets fixed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

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

According to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, in after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information from 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.

According to 15 USC 1681s-2 they are not supposed to 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX ] XXXX XXXX ] XX/XX/year> Consumer Financial Protection Bureau Subject : Dispute of Collection Account Reporting Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported on my consumer report by [ Name of Collection Agency ]. Despite residing in the state of Maryland where the statute of limitations has passed for this debt, the collection agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have furnished this account to consumer reporting agencies, negatively impacting my creditworthiness and consumer rights. 
Furthermore, I have not been afforded the opportunity to dispute this account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency 's failure to adhere to this regulation has deprived me of my rights to verify the accuracy of the reported information and potentially correct any errors or inaccuracies. 
Moreover, the collection agency 's actions constitute a violation of my consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). By using false, misleading, and deceptive means to pursue collection of this debt and reporting it to consumer reporting agencies without providing required disclosures, the collection agency is in clear violation of federal regulations and statutes designed to protect consumers. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the situation. Specifically, I am seeking the removal of this collection account from my consumer report and any associated negative impact on my credit score. 
I have enclosed copies of relevant documentation supporting my dispute, including evidence of the expired statute of limitations and any correspondence with the collection agency. 
Please inform me of the steps that will be taken to address this dispute and provide an estimated timeline for resolution. I can be reached at the contact information provided above if you require any further information. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Columbia Debt Recovery , LLC, dba Genesis is a company that has come out of no where insisting that I owe them {$530.00}. I sent them a certified letter in early XXXX requesting that they provide me with proof of the debt in accordance with consumer law. The letter was received by XXXX  XXXX XXXX. I even provided them with the list of documents that consumer law requires. They completely ignored my request and posted the debt to the XXXX major credit bureaus damaging my ability to move forward with purchasing my first home. I am a XXXX  and XXXX XXXX XXXX. I do not have time to deal with the fraudulent company that is breaking consumer law and damaging my good name.
Product: Credit reporting

I am writing you this letter to dispute XXXX late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XX/XX/XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee
Product: Student loan

Fedloan Servicing has not been crediting me for the payments I 've made since XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.

In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above companies.
Product: Money transfer, virtual currency, or money service

XXXXAttempted an Instant transfer to my bank account from my Venmo wallet in the amount of {$500.00} During this time the transaction did not arrive. The Venmo customer service representative said it was an issue with my bank. After explaining that I had spoken with my bank and verified no transaction was attempted I was told my case was being sent to the Account team. The representative stated the Account team did not take calls or e-mails but I would receive word in 6-8 business days. 

XXXXReceived refund for Instant Transfer fee in the amount of {$34.00} after calling Venmo customer service. 

In the mean time dozens of e-mails and messages have been sent. I have been sent to different customer service workers each time. At times they stated they would need to speak to the Engineering team to resolve the issue and promised I would be updated. The response never came and the subsequent e-mails ignored large portions of my questions about options for a resolution. Customer service has refused to engage with me or provide a timeline for the return of my money or an explanation of the issue. The e-mails are available should you wish to see them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove all the outdated mailing address off my personal credit exempt the address on my driver 's license I do not live at the other address my personal information is being sent to other people houses my information can be stolen they did not update my address and delete old ones they did not sent me a letter within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts were made to clear alleged late payment history on loan to no avail.
Product: Credit card or prepaid card

I applied online for a Chase Bank Amazon Prime Credit Card. I was mailed the credit card and activated it. EVERY SINGLE DAY, MY CARD IS FLAGGED FOR FRAUDULENT PURCHASE EVEN IF I AM ONLY MAKING A SMALL PURCHASE AT A LOCAL GROCERY STORE. THIS is causing a major inconvenience to my life. My card then I try to call and unlock it and Chase tells me that my phone number is not allowed to be sent a one time security password via text message. I have XXXX service and its a plan in my name with no call blocking features. Sometimes rarely instead of a text message they will ask me security questions based upon public information and my account will be unlocked but I will be able to use my card one time after it is unlocked and then it freezes again! I do not know where to turn, I need help this is causing a major problem to my life. I applied for that card to help me survive until I have other wages come in and I can not do anything. I can not buy food, pay car expenses, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX put a collection on my credit report on XX/XX/XXXX for {$120.00} due to XXXX. I never received internet services from XXXX as I was outside of there grid and cancelled the account within 5 days on XX/XX/XXXX. I have a letter from XXXX admitting fault that they should have never submitted my account to XXXX XXXX XXXX collection agency. XXXX  and XXXX have deleted the collection off of my credit report. However, I have disputed with Equifax 3 times and it won't get deleted. XXXX keeps telling me they have notify all 3 credit bureaus on XX/XX/XXXX. Equifax keeps telling me XXXX tells them the account belongs to me. The 2nd dispute with Equifax they updated the balance to XXXX  showing paid on XX/XX/XXXX. I never paid anything off. Equifax or XXXX is not helping me out. It shouldn't be this complicated to remove this off of my report since it was an ERROR. I am trying to apply for a loan this is making it difficult for me financially due to my FICO score.