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

I have continued to communicate with the credit report agencies TransUnion and XXXX but they continue to state that the report is correct which it is not. I have provided the closing statement for the creditor in question and no changes have been made.I have uploaded the balance shown on XXXX that TransUnion and XXXX should be similarity reflecting.
Product: Student loan

I have called numerous times to pay back my loans when I have been continuously forced into a forbearance or deferment that is just tacking on more interest. I have applied for multiple repayment plans and instead of giving me a reasonable rate, they have expected me to pay them of {$600.00} per month on a {$35000.00} year salary. The company has denied all request, returned all letters without any explanation other than that I was simply " denied ''. I 've been forced to consolidate my loans through another lender with an overbearing interest rate. Now I am not only forced to pay thousands of dollars tacked on by the Navient, but additional thousands in interest from the new consolidation firm. The mistreatment and thousands of dollars they have tacked on to the initial loans are unethical. They do not allow you to understand the loans and what you are getting yourself into. This company is not for furthering your education, they are only for profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a credit card account XXXX XXXX XXXX XXXX XXXX fraudulent under my name and the bank as well as the credit report agencies Transunion, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts that do not belong to me or were opened without my permission. XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXXXXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Credit card or prepaid card

Existing credit card statements attempt to be transparent by generally indicating the following computation, " This unpaid balance will be paid in full in _____years by making the indicated minimum payment ''. 

This is partially helpful however a very simple additional statement which is obviously simple to add to the statement would be much more transparent ''. 

" Your most recent payment was $ _________. If this payment amount is continued the unpaid balance will be paid _______________. '' In my proposed addition and change to the transparency the credit card user will more fully understand that higher payment amounts than minimum will result in faster payoff and also lower payment amounts than minimum will result in slower payoffs including possibly " never '' getting paid off if the payment amount is less than the minimum payment ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian, XXXX and XXXX having incorrect information on my report from XXXX XXXX XXXX  XXXX along with Chapter XXXX and Chapter XXXX in which I submitted letters from court to credit bureaus which they say was it was vertified, without giving me information on who vertified information on XX/XX/2021. It has been well over 30 days and i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE. 
2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU. 
( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )
Product: Student loan

We were required to take out Parent Plus loans because of the FAFSA, we were required to take out parent plus loans to supplement our sons education costs. We borrowed a total of {$21000.00} and the loan has grown by 50 % over the last 5-6 years to {$36000.00}. Even though we have made monthly payments for the last 4 years
Product: Debt collection

I was recently notified by my credit card company that my credit score had dropped. When I reviewed my XXXX credit report I saw that I had a new account in collections with I C System and the amount of the debt was {$140.00}. I do not know what this debt is for and I never received any notification from I C System regarding the debt or the collection. I have also disputed this debt with XXXX. I do not who I C System is or how to contact them regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Charge-Off Entry from Credit Report Dear Sir/Madam , Creditor : XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/2024 Amount Past Due : {$300.00} Current Balance : {$300.00} Derogatory Amount : {$1.00}. 
Date Reported : XX/XX/2024 Status : Collection/Chargeoff I have identified a discrepancy in the reported information. The Amount Past Due of {$300.00} and the Current Balance of {$300.00} do not align with the Derogatory Amount of {$1.00} reported. Specifically, the difference between the Current Balance and the Amount Past Due is {$6.00}, which is not accounted for by the {$1.00} derogatory amount. 

In accordance with Title 15 of the United States Code, Consumer Law Protection, the following legal references support my request : The following legal references support my request : 1. 15 U.S.C. 1681 - Fair Credit Reporting Act ( FCRA ) : Ensures accuracy in credit reporting.

2. 15 U.S.C. 1681i - Procedures for Disputing Inaccurate Information : Outlines procedures for disputing incorrect information. 
3. 15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information : Mandates accurate reporting by furnishers.

4. 15 U.S.C. 1681e ( b ) - Accuracy of Information : Requires accurate information in credit reports.

5. 15 U.S.C. 1692e - Prohibition of False or Misleading Statements : Prohibits false statements in debt collection.

6. 15 U.S.C. 1692f - Prohibition of Unfair Practices : Prohibits unfair practices in debt collection.

7. 15 U.S.C. 1692c - Restrictions on Communication Practices : Limits communication practices in debt collection.

8. 15 U.S.C. 1692g - Requirement for Debt Validation : Requires validation of debts.

9. 26 U.S.C. 6050P - Information Reporting for Canceled Debts : Requires reporting of canceled debts using Form 1099-C.

10. 26 U.S.C. 6041 - Information at Source : Mandates reporting of certain payments to the IRS.

11. 26 U.S.C. 6042 - Information Reporting on Dividends : Requires reporting of dividends to the IRS and shareholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX {$100.00} Account number XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to the lack of transparency regarding an unverifiable account placed on my credit file. XX/XX/XXXX I requested through a certified letter to Equifax that they send me verification of their claim that an account placed on my file had been verified. 
Since my initial request in XXXX, Equifax has done nothing but send me generic claims of their so-called investigation. With no proof that the account is valid. 
The trade line in question was investigated and removed by XXXX and XXXX more than six months ago. But somehow, Equifax is always lagging in their responses. Their incompetence and dishonesty destroy lives. And they do not belong in the credit reporting business. 
In accordance with consumer rights and protection laws, a consumer reporting agency XXXX not report any credit information that is not the best evidence reasonably available. And the consumer has the right to request a description and procedure used to determine the accuracy and completeness of the information gathered. By stalling and failing to properly respond to my requests, they have violated my rights. The XXXX XXXX XXXX with the retail value of {$14.00} was repossessed by the original lender around XXXX of XXXX, and was resold at an auction. The original lender was unable to provide me with a letter of deciciency upon my telephone request. 
The account was bought by XXXX, XXXX and placed on my credit file XX/XX/XXXX in the amount of {$17.00}, XXXX. 
I believe XXXX, XXXX which has had numerous complaints with the XXXX XXXX XXXX for unethical violations is misrepresenting the amount of this debt. And this credit reporting agency is enabling them by not taking the reasonable steps to conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX  - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

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 an account without my written instructions.
Product: Checking or savings account

XXXX. XX/XX/2024 I receive notice of new dbit Card being Sent My CA. Address. 
XXXX. After 20 days, I do not receive Card nor PIN. 
XXXX. On XX/XX/XXXX. I re-Order Card 4. On XX/XX/XXXX. I receive new Bank Card 5. I truly to use Card. Incorrecto PIN. 
XXXX. Policy States PIN Will remain XXXX unless I request new PIN. 
XXXX i NEVER requested new PIN. 
XXXX. After several falls I find out Bank changes PIN. Without My consent 9. One Month Later XXXX. I do not have working Bank Card. 
XXXX. PIN has NEVER showed to CA. Address. 
XXXX. Two tried many Phone calls. NO PIN!
Product: Credit card

Hi, After my last XXXX complaints, the Citi Bank retaliated against me and has left comments on my credit history which has decreased my XXXX XXXX. 

Initially, nobody gave me proper instuctions or answer to my existing disputes. Now when someone from XXXX did, they also made sure to retaliate against the customer and have ruined my XXXX XXXX. 

Also, they have left the comments on my credit agencies and telling me that I need to call them and get it removed. If you guys are ones who put it, then you will be the one removing it. 

You can clearly see my 2 years of payment history with Citi Bank, all credits paid in full every month, you can also see the next payment due is already scheduled and yet you guys are trying to threaten me more that if I don't pay it, you will take action. 

I want everyone who is reading this to know, Citi Bank sucks and have the worst dispute department and process in place. Instead of calling a customer walking them through the whole process or providing detailed information, they were just trying to wing it with vague information.
Product: Checking or savings account

I disputed multiple transactions for a total of a little over XXXXXXXX XXXX after I called and disputed them I went and filled out the dispute form and signed it and faxed it in. A few days after that I called to check the status of my dispute claim and I was told it was denied due to the fact that there were deposits made into the account, & that is correct there was a few deposits made into the account using my other debit card linked to my card.com account not the card i called as stolen and disputed the transactions made with that specific card every deposit made into my card.com account was using a different debit card not the one called in stolen. & When I spoke to the customer rep I also told them my phone and wallet was stolen. Also when I disputed these transactions it was within the 90 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account - XXXX XXXX # XXXX, has violated my rights 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
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - Date of inquiry : XXXX XXXX XXXX - Date of inquiry : XXXX
Product: Debt collection

On XX/XX/24 I mailed a letter to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX, XXXX, XXXX. Tracking usps XXXX XXXX XXXX XXXX XXXX XXXX delivered on XX/XX/24. The letter states that there are XXXX outdated accounts that are past XXXX years of age which is the Statue of Limitations age and this should be removed from my credit. I sent Navy Federal a letter to the address above stating the account numbers and amounts of the debts that needs to be removed due to being out dated but no response and change has been made. I have made a request to the credit bureau but they wont remove the debt because Navy Federal refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX - XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$650.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card

I lost my job back in the summer ( went over to china ) so I could not pay for awhile. now I have a job and I 'm trying to pay again and I need help trying to pay off the card but with the interest fees and other fees I am not getting nowhere and with numerous attemps to try and resolve the problem, they will not help. I am not using the card. and my only other choice is to file bankruptcy as a last resort.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.