23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern regarding the handling of my recent request to correct late open accounts associated with my account. 

I contacted your customer service department to address the issue of late open accounts that appeared on my account statement. These late open accounts, despite my consistent and timely payments, have negatively impacted my credit score and financial standing. Recognizing the urgency of resolving this matter, I sought assistance from your company to rectify the situation. 

Regrettably, the initial attempt to correct these late open accounts has been unsatisfactory. Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The lack of urgency and attention to this matter is deeply concerning and has only exacerbated the financial strain caused by the late open accounts. 

As a valued customer, I expected a more proactive and efficient response from your company in addressing this issue. The failure to promptly rectify the late open accounts has not only affected my creditworthiness but has also eroded my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate action to rectify this situation. I request that you thoroughly review my account and expedite the process of correcting the late open accounts without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial hardships and stress caused by this oversight. I trust that you will handle this matter with the seriousness it deserves and provide me with a satisfactory resolution at the earliest opportunity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$33000.00}.
Product: Debt collection

I was informed by Property Receivables , Corp. d/b/a CollectTech that they were trying to collect a debt provided to them by the XXXX XXXX managed apartment community of the XXXX XXXX XXXX in XXXX XXXX , CA . No such debt existed and any debt provided to this collections agency was in error. Property Receivables , Corp. did not provide an explanation of the debt, did not provide an itemized bill or proof of the debt, and took no action to verify that the debt was valid. Property Receivables , Corp. filed a derogatory mark on my credit report and a late payment notice, which has now significantly reduced my credit. I contacted the apartment community and they said it was reported in error and will be fixed with the collections agency. I called the collections agency the next day and they said they filed to remove this mark. However, because my report has a derogatory mark, I have now been declined for credit approval. This company should be reprimanded for their actions. This property management firm should also be reprimanded for their errors, which in turn have caused hardship for my family and me. They knowingly provided erroneous information to a debt collections agency to see if they could gain financially. How many other people paid without question? How much money have they received that is not rightfully billable? Their behavior and actions are fraudulent and they should be investigated and audited.
Product: Checking or savings account

On the morning of XX/XX/XXXX I woke up to an email from USbank advising that " my travel dates '' were received. I did not make any such request and checked my bank account. There were 3 charges made after XXXX XX/XX/XXXX for {$390.00} for XXXX XXXX XXXX XXXX ; {$2000.00} for XXXX XXXX XXXX XXXX ; and {$730.00} for XXXX XXXX XXXX XXXX . I immediately called my bank at XXXX advising them I am not traveling and I did not make those charges. the charges were in " pending '' status and I asked them to be denied as I did not make those transaction. I was told that was not possible as it's my word against the vendor ( in XXXX ). I advised USbank I was in NY and had just used the one and only debit card at XXXX in New York for gas. They still would not deny the pending charge. 
I immediately went to my NY State Troppers police department headquarters with my physical card and explained what happened. They helped me file a police report and took a photocopy of my card. 
I relayed all this information to USbank and they said they would investigate. I again stated that I was in NY ( used my card for gas ) and could not be in XXXX and was at work all day XX/XX/XXXX and could provide documents from my employer. 
On XX/XX/XXXX a letter was issued by USBank denying the fraud claim stating based transaction ( s ) and account history, location and pattern of use. I only use the account / card for my mortgage payment, gas and groceries. I will attach the last 2 months statement showing that! The card has not been used out of the country and I have no idea what that means. I made calls to USbank for more information twice ( last call was on XX/XX/XXXX ) and have not received a call back for more information. I don't even know what product or services the merchant provides other than a XXXX search that it's some type of construction / building industry. 
I did not make these transactions. I need help. It's not a lot of money to most, but {$3100.00} is a lot of money to me. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've ask Experian to dispute an account by name of XXXX XXXX. The account is been open past 7 years and also paid. They refused to follow the status of limitations.
Product: Payday loan

On XXXX/XXXX/15 I recieved a loan from Radient Cash for {$700.00}. that was directly deposited in my checking account at XXXX.The loan is called a payday installment loan and is for 6 months.The payment for {$200.00} is automatically taken out of my account on the XXXX and the XXXX of every month. This is {$410.00} a month for six months comes to {$2400.00}. This is an interest rate of over 700 percent a year. They never brought that up to me. It gets worse, after looking over my bank statement XX/XX/XXXX I notice that they deposited {$700.00}. twice on XXXX/XXXX/15. Now I realize that I owe them {$1400.00}. After doing much research I discover that this is not leagal in NJ. Today is XXXX XXXX and I am up to date with all payments, but I 'm not able to do it any longer. Please, please help me rectify this horrible situation before it destroys me financially.
Product: Credit card or prepaid card

On XX/XX/2020, I was charged {$350.00} that I didn't make on my Capital One credit card. When I saw the charge got posted to my account, I immediately disputed the charge with Capital One where they said they will open an investigation and give me a credit for the amount in the time being. On XX/XX/2020, I received a letter saying that their investigation concludes there was no indication of fraud and the charge will be added back to my account. I called Capital One and spoke with them for over an hour telling them that I did not make that transaction at all and I shouldn't have to pay for something I didn't make. They told me that unfortunately their hands are tied and can't do anything about it. 

I was in XXXX for the holidays at the time and I was putting gas in on my last day to re-fill the gas tank of my rental car. When it was time to pay, I handed the worker my credit card where he got possession of my card and went somewhere where I couldn't see him. I believe it was at that time where the worker charged me for that {$350.00} without me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> WESTERN FUNDNG XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to My Credit Information Dear Sir/Madam , I am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following account on my credit report, which I have not authorized : Creditor Name : WESTERN FUNDNG Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information. 
Delete any entries or information that were furnished or obtained without my consent. 
Send me a confirmation of your actions regarding the deletion or correction of my credit report. 
Additionally, I request that you send a copy of the updated credit report reflecting these changes. 
Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach has not been addressed. My social secuirity number and other personal information is currently held by an unlawful organization and this puts my security at risk. It is unacceptable that there has not been a coordinated response by the US government.
Product: Credit reporting

Transunion will not allow me to access my credit report online at all or they will not mail it to me after a recent investigation. I need my credit reports asap for my attorney.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on 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. This 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 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 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! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 or other personal consumer reports

I recently updated my credit report and found that the XXXX  XXXX XXXX I had previously disputed and removed because of identity theft has been reinserted without any notification to me. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any account that was removed from my credit report is put back, I must be notified in writing within five business days. I did not receive any such notice, which violates my rights. This account is not mine and is the result of identity theft. Under the FCRA, 15 U.S.C. 1681c-2, accounts that are proven to be from identity theft should be permanently removed from my credit report once identified. By putting this account back on my report without telling me and without my consent, the credit bureau has broken the law and violated my rights. I am asking that this account be immediately deleted from my report again and that I am provided with written confirmation of this. I also want to make sure that my rights are respected in the future, and that no more fraudulent accounts are added back to my report without following the proper procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX  XXXX Balance : {$1100.00} ; US DEPT ED XXXX Balance : {$3500.00} ; USDOEXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complain. Because i can not verify my own identity due to accounts on my credit report that are not mine. Also my accounts all have been hacked and compromised. Theres accounts on my report that were open without my permission or knowledge. Because its been over 7 years i can not see details. I have been recently dealing with a cyberstalker. That has changed all my passwords and is using my personal information. Has stolen my emails. Attempting to steal more from me. Im trying to figure out why i havent gotten my child support. I suspect theres still fraudulent activity going on. I have no access to any of my emails or accounts. And social media accounts are also hacked and compromised. I am concerned about my sons identity being used too. I need help. I see alot of incorrect information on my credit report. I can no longer access Experian, XXXX, and XXXX. They have been compromised. I need to do more investigation. On my credit report i see 4 mortgage accounts, 2 Auto loans, personal loans, credit cards. I have not used or had any idea. I have been living under low income housing assistance for 14 years. Ive never used my credit. I suspect my father and his wife XXXX XXXX and XXXX XXXX used my personal information to get mortgages and loans. Also i suspect my social security number was fraudulently used to get travel credit cards. But because its been over the 7 years n no longer showing details. I can not see much. Maybe i just dont know how to read it. Im dont have a clue on how to use credit or build credit. I have not learned.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND NOTICED A FRAUD ACCOUNT SHOWING,
Product: Credit reporting or other personal consumer reports

Please remove old addresses. They are unmailable. 



According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), there is a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, as backed by XXXX XXXX XXXX, which states : " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is defined as a financial institution under this title.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither XXXX, XXXX, nor the furnisher of information to credit agencies have my consent to furnish this information, and they certainly do not have my written consent. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681c ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission.

Please Provide me with the address to send my Notice of Demand