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

I have not received confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this final notice to your offices .Past this point, the CFPB wilXXXX have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. please send with your return receipt respond to the CFPB that you did answered the affidavit 15 working days should be good to respond seeing that you validated it and must have investigation at hand. this pertains to Portfolio Recovery, XXXX, XXXX, XXXX complete documentation of your Validation investigation, Portfolio Recovery A consumer contract with my signature, yours and companies on same contract allowing you to report to the CRA 's
Product: Mortgage

I contacted SPS on XX/XX/2020 to ask for assistance because as a self employed due to COVID 19 affecting my state of Georgia I was out of work with no income. They contacted me on the XXXX of XXXX advising me that they will put my loan on forbearance for 3 month, but I have to pay a balloon payment on XX/XX/XXXX if they can not find other workout for me. Which mean loosing my hone. This was what XXXX gave them as an option. 
How can I pay almost {$6000.00} in XX/XX/XXXX if do not have {$1.00} as income today?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these accounts XXXXXXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX {$31000.00} ; XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 7 ) late payments, i wish for these late payment be removed from my report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any notification about this alleged debt from XXXX XXXX XXXX and was not provided with any documentation to validate it. I disputed this debt with Transunion and it was removed from my credit report. It was re-entered on my report 30 days later without any prior notification from Transunion.
Product: Debt collection

I spoke with the company, we settled for {$370.00}. They sent me a settlement letter on the same day that I paid them, which was on XX/XX/XXXX, I went to dispute the account on my credit report, when they were contacted by them, they lied and told them that I owed them {$100.00}. I spoke to them twice about this. The first rep I spoke to told me that this would be removed on XX/XX/XXXX. And the second rep ( who is supposed to be a supervisor ) told me that they gave the credit bureau the save amount and it should be removed in 30 days. They are giving me conflicting information. The name of this company is Portfolio Recovery Associates LLC. I originated this report bc I feel that I am being jerked around by them, and each rep gives me different answers or reasons.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Product: Credit card

Company allowed someone into my account and change my address, locking my account. They refuse to help me unlock my account and I have yet to receive email from company to unlock account. They refused to offer other options to unlocking my account. 

I am worried about this reflecting on my credit history, when it's something I can not control Milestone credit has recorded calls of me calling them to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX .... This account is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my Experian Report as a charge off. This account should be reported " Included In Bankruptcy '' This company is violating Bankruptcy Laws and the FCRA. I am demanding a deletion.
Product: Checking or savings account

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Chase Bank account. 

In XXXX, I was a victim of significant fraud involving my Chase Bank account. During this period, I also suffered a robbery in which all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. This theft led to fraudulent activities across multiple accounts. 

Despite my efforts to address this issue, including filing a police report a few years later, Chase Bank has refused to correct the fraudulent charges on my account. My initial attempts to resolve the issue directly with the bank were unsuccessful, and my subsequent appeal was denied without evidence linking me to the fraudulent activity. 

I have attached copies of my appeal denial and the police report for your review. Chase Bank 's continued refusal to rectify the fraudulent charges and resolve the situation is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issue. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 card or prepaid card

Got this XXXX XXXX card for my daughter to use XXXX  vacations and allowances we are going on vacation she has saved money foe months now I'm trying to transfer it from my account to her card what the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and received a Discover card in XXXX. Discover initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my XXXX  credit report. This is drastically affecting my credit.
Product: Checking or savings account

I have been charged multiple times fees that werent supposed to be charged in my checking account
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed o

n 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. T
his error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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.

EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Student loan

Requested a {$3000.00} refund from EdFinancials due to Loan Payment Pause and was told it will take 120- 150 business days, while other lenders are taking 4-6 weeks. I'm not sure why this is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXXXXXX Balance : {$5400.00}, XXXX  XXXX Balance : {$2700.00}, XXXX XXXX XXXX : {$1900.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXXXXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$84000.00} " If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AVANTE XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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/year>
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$830.00} XXXXXXXX XXXX XXXX  Inquired on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account on my Experian credit report is inaccurate, I was never late on my payments, delete the account.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED.

This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account!

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting or other personal consumer reports

I took a look at my credit report and I see 2 accounts on there that dont belong to me. I reached out to the company no luck. Than reached out to the consumer reporting agencys but the account was verified as mine! Im a victim of identity theft Kickoff Lending LLC Account number : XXXX Date opened : XX/XX/2022 Kickoff Lend Account number : XXXX Date opened : XX/XX/2022
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate thisreporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was offered a {$800.00} Amex card from XXXX  as a purchase incentive in XXXX. At that time, Amex told me that there will be no charges and card was valid until XXXX. When I tried to used the card this month, Amex has improperly deducted funds. They say they have levied a charge of {$3.00} every month for past 20 months. This seems very suspicious and deceptive practices for click and bait schemes. No such information was given on my first call with them in XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX, I originally got a XXXX XXXX XXXX van from XXXX XXXX with {$2000.00} down payment, total sale price is {$10000.00}. Amount financed is {$6800.00} and the total value of payment after I would have made all payment is {$8600.00}. Amount financed is {$1400.00} at annual percentage rate of 26.71 %. After some payments in the month of XX/XX/XXXX I was transferred to another company called STRATEGIC automotive servicing company when my loan origination was {$3700.00}. I continued my prompt payment until I tried to make another payment on XX/XX/XXXXwhen I realized my online account is no longer available on their website. What kind of companies transfer your loan account to another without due notification???? SAD. Instantly, i received a call from another company called XXXX XXXX XXXX XXXX that my account has been transferred to them. Right now, strategic auto. servicing payment record does not match the balance sent to me by XXXX XXXX XXXX XXXX, so i never recognize their generated account number.. I have called and sent mails severally to these 2 companies involved for a week now to express my frustration but to no avail. These companies are trying to cheat me, somebody pls help me ... ..they 've told me that my record is presently under review and said no additional charge or interest will be accrued towards my payment since it was n't my fault to paused the payment. but, i 'm scared i can not afford to loose my van cos i have paid too much for it and its all i have to take the kids to school.
Product: Credit reporting

I have Public records listed on my credit reports that are inaccurate and incomplete such as a Bankruptcy, that the XXXX major credit reporting agencies Transunion, XXXX and XXXX are reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion, XXXX and XXXX numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE these Bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from the Federal Bankruptcy Courts stating that they DO NOT report to the consumer reporting agencies, but yet the consumer reporting agencies are saying that they have verified it through Federal Bankruptcy Courts and I know they do n't because the information they are reporting is inaccurate and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted XXXX XXXX XXXX I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to get my FCRA-mandated free annual credit report from Experian, there was no way for me to save a permanent copy. I could see the report only for the few minutes it remained open in my browser. 

On Tuesday, 2019XXXX, I attempted to get my annual free credit report from Experian.com. Starting from XXXX, I was able to open the report in my browser ( XXXX XXXX  ). 

But when I attempted to print the report for my records, I found it was in an extremely condensed format. Only summary data printed. 

By clicking a large number of pale, hard-to-spot icons, I was able to open detail sections of the report. But the details were displayed using colored icons that disappeared when I attempted to print them. Only blank white space appeared. 

Nowhere on the page could I find a link for a printable or downloadable version of the report. I tried several ways of saving the web page itself, but none of them preserved the report data. 

While I was attempting to find a way to successfully save or print the data, my browser reported, " For security reasons, your session has expired. '' The report vanished from my screen. 

In summary, Experian provided me a report that could not be printed or saved, that I could only view for a short time before it was erased from my browser. Such behavior might satisfy the letter of the FCRA, but can hardly satisfy its spirit. 

I've not had such problems in the past with XXXX or XXXX reports. This is the first time I've requested an Experian report.