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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX CARD Account Number : XXXX Please remove it from my credit report.
Product: Student loan

To start I was going to a school called the XXXX XX/XX/2006. I am not a US citizen, however it was never explained to me that I would n't be able to graduate if I did n't have proper documentation so after two years I was told I could no longer attend but that I would still be required to pay back all my loans. I was young then and ignored everything and let the loans default. After several harassing calls from collection agencies through the years I finally caved in. I understand that I should n't have let them go into default but I still felt that they should n't have approved me for these loans in the first place knowing very well that I was n't a US citizen given the amount of time it tames to become one. One of the last times I got contacted by XXXX Services they told me that I could pay XXXX all at once and my entire balance would be paid off. My loans are over XXXX for all three. I told them they were crazy. There was no way I could do that. The guy I spoke to advised me to take out a loan with my bank or something and I told him that because my credit was so bad because of these defaulted loans I would n't get approved at all. He told me to figure it out and hung up. Again I started ignoring the calls and finally the last time the guy said that I could pay XXXX and the XXXX each month until XXXX and XXXX of the XXXX loans would be paid off. Then the larger one I will have to pay over XXXX for that and that I would have to figure out after XX/XX/XXXX on how to pay that back. Aside from feeling that I should n't have had been approved in the first place has been my last experience with XXXX XXXX XXXX. Just talking to them on the phone it did n't sound like they know what they are doing. They sent me a couple of faxes and at XXXX point they had my name and address wrong. I 'm afraid that i 'll pay this and when it comes to XX/XX/XXXX they 'll XXXX say that it was never applied to the principle and I have just been paying the interest down. I just do n't know what to do.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX This account was charged off on the following date : Transunion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : NO data STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Bank account or service

Charges for my purchases were shown pending on my chase checking account and my balance was reflecting these charges being taken out. A week later, my account was overdrawn. But the night before, my account was at a positive. Those pending charges from a week ago were the reason for the overdraft and resulted in 4 overdraft fees. Chase stated this was due to the pending transactions that expired so it was removed from my account and they posted to my account was merchant charged the transaction. I explained to chase that it is not fair to be charged overdrafts when we were not given the opportunity to correct the negative balance. I was unaware these charges disappeared from my account. If I knew my account would be at a negative balance, I would quickly deposit money to my bank account to avoid any overdraft fees. Instead, you are not give an opportunity to fix the negative balance. You are just surprised to see charges posted along with overdraft fees. Understand chase has no control when merchants posts transactions but neither do we, the customers. Chase said I should keep better track of my transactions but I 'm relying on my bank to do that for me. If I have numerous transactions, how can I know when some of those charges disappear? Chase should be helping customers keep track of their finances, not swindle us to make money. They should allow a grace period for now posted charges for expired pending transactions to give us time to fix negative balances if they should arise. How can we keep track of our account if we see a positive balance the night before and get hit with overdrafts the very next day. This is unfair and should be illegal. It sounds like a scam that banks should not be allowed to do.
Product: Credit reporting or other personal consumer reports

I am writing regarding my Account # [ XXXX ]. Capital One Auto Finance ( referred to as Capital One going forward ) has erroneously reported that my vehicle was subject to a repossession and that my account was charged off. 

My car was stolen on XX/XX/XXXX and recovered the same day. It was towed to a XXXX XXXX yard where XXXX was supposed to reclaim it. I spoke to Capital Ones representatives at regular intervals explaining the situation after receiving the first phone call from Capital One on XX/XX/XXXX. 

XXXX claims they attempted to contact Capital One regarding the matter but were met with resistance. Capital One stated they never received a call from XXXX until XX/XX/XXXX. However, I did communicate with Capital One at various intervals regarding the matter of XXXX attempting to reclaim the vehicle. 

Capital One was paid via ACH on time until Capital One shut down my XXXX payments as of XX/XX/XXXX after receiving my XXXX payment. Capital One proceeded to reclaim my vehicle from XXXXXXXX tow yard on XX/XX/XXXX. 

I spoke to various Capital One reps and even informed them that XXXX authorized a check be sent to me to get the car from XXXX XXXX. However, my vehicle was moved to auction on XX/XX/XXXX and subsequently sold. Upon hearing this, I paid off the remaining balance on XX/XX/XXXX which was how long it took to figure out what the final balance would be. 

Capital One repossessed my vehicle even though my payments were current and that I was communicating with them on a regular basis. 

I sent a demand letter via certified mail on XXXX to Capital One Claims Department at XXXX Capital One XXXX XXXX VA, XXXX. 

Furthermore, I disputed with XXXX, and they said the document that Capital One Finance replied with was a number to call, that number ended up being the main switchboard for Capital One.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge about them, and the company conducted them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/ 2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

We received our Gift card from my mom who purchased the card last year in XXXX. The card was by XXXX, XXXX. This card was purchased in XXXX, Ca. by Mom. We were saving the card for our 25th wedding anniversary in XXXX. My wife checked the balance in XX/XX/XXXX this year and discovered all but {$3.00} had been spent by someone other than ourselves. The card was number stolen and used to buy an item online. We still have the card. We were sent a letter on XX/XX/XXXX. Stating we did not dispute the charge of {$190.00}, never mentioning the car number was stolen and used.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX File Number : XXXX XXXX  Report Number : XXXX Equifax Report Confirmation Number XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with Equifax XXXX & XXXX and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Debt collection

There is a collection account being reported to each of the three major credit bureaus on my credit file by XXXX XXXX XXXX in the amount of {$7800.00}. This company has continuously called me regarding this debt after I have requested that they communicate with me in writing regarding this alleged debt. After two months I have not received anything in writing from this company. Upon further research of this company, I found XXXX XXXX XXXX is not licensed in the state of Georgia to collect. I contacted the Georgia Secretary of State, XXXX XXXX office and verified that this company is not licensed to collect in Georgia. I also hired an attorney who also verified this company is not licensed to collect in Georgia and advised me to pursue legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding this account with inaccurate information and no response or responses I have been receive and the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX  XXXX XXXX Balance : {$2700.00}
Product: Debt collection

Capital One approved me for a MC Credit Card of XXXX in XXXX my credit is valid until XXXX. 
Capital One violated the terms of the our agreement by electronic false amounts and incorrect statements of what I owed to 3 credit reporting agencies. 
Debt Collection Violations by adding late payments and other incorrect amounts- raising and reporting my balance above my credit limit for months. I called and wrote Capital One and they agreed the amounts were incorrect in writing but continued to report the balances unto XX/XX/XXXX causing my credit score to decrease while attempting to collect debts I never owed. Capital One refuses to update their errors and mistakes while demanding I pay the XXXX. There was no investigation after I disputed the amount in writing XX/XX/XXXX for months. 
Although I called the Representative also they reported a debt and balance I never owed while paying my credit card on time. 
I'm one of the customers also affected by the data breach which we spoke about but it seemed to anger XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with M & T Bank.

At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with M & T Bank to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to M & T Bank as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the medical emergency, I had an on-time payment history with the M & T Bank since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.
Product: Credit reporting or other personal consumer reports

There are inquiries that I do not have accounts to or apply to. I would like them removed. 

Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card I only have a bank account with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 


XXXX Credit Card XXXX  XXXX limit Late Payments on XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Transunion not showing account* discrepancies Discrepancy with reporting XX/XX/XXXX and XX/XX/XXXX No missed payment Cares Act of XXXX discrepancy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has : - XXXX XXXX XXXX - Account # XXXX - XXXX - Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX  - Account # XXXX - XXXXXXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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, credit repair services, or other personal consumer reports

I have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.
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 : US DEPARTMENT OF EDU 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 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

This Upgrade company charges exorbitant overlapping interest rates and consumer submitted payments are credited when the company processes the payment which typically takes ( XXXX ) XXXX weeks on a paper check forcing you to make online payment because it is Upgrades  preferred method of payment not the consumers preferred method of payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/2023XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for reporting inaccurate and fraudulent information on my credit report. The following account appears on my report without my knowledge or authorization, and I suspect it was added as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This account was fraudulently opened and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) and California state law, Experian is required to remove fraudulent information from a consumer 's credit report within four business days of receiving notice of the identity theft. As a blind individual, these errors are causing me significant hardship and are a violation of my consumer rights.

I have provided all necessary documentation to substantiate this claim and request immediate removal of this account from my credit report. Failure to address this issue promptly is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ) and California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.16 ). 

Please confirm the removal of this fraudulent account from my credit report and provide me with the method of investigation used. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Debt collection

Continue to recieve calls from UCB in an attempt to collect a debt that does not belong to me. I have personally spoken to their representatives three times and each time have confirmed they have the wrong number and was told I would be taken off their call list. Today my wife began receiving calls from them as well.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : SELF / LEAD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 reporting or other personal consumer reports

The XXXX card is disputed. 

I reported this XXXX  card account as not mine and it was opened through identity theft and sent a letter to XXXX and XXXX wrote me back with two letters stating I am NOT responsible for it but they never removed it from my credit reports. 

I reported this account as fraudulent with XXXX, Equifax, XXXX and XXXX XXXX more than 5 times each since XX/XX/year> and only XXXX XXXX removed it from my credit report, but the others credit reporting companies have willfully, maliciously and negligently failed to remove it.