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

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XXXX Resorts In XX/XX/year> and XX/XX/year> ). These CAN NOT be accurate because both the XX/XX/year> and XX/XX/year> late payment says they were both 120 days late but on XX/XX/year>, it shows that the payment was made on time, which is CLEARLY INACCURATE. I demand these payments be updated to paid on time immediately or that the entire account be deleted. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/1974 This CFPB complain has been filed to request pursuant to FCRA section 606B ( 15 U.S.C section 1681c-2 ) that you the TransUnion, XXXX XXXX and XXXX credit reporting agencies, 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, inaccuracies, and false information consists of a personal credit cards opened at XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX all of these mentioned accounts have resulted in several fraudulent inquiries, and collections appearing on my consumer FICO credit report. I do not recognize the mentioned accounts, collections, and hard inquiries appearing on my consumer credit report. I have attached a copy of my FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I called the apartment complex leasing office at ( XXXX ) XXXX on two occasions once on XXXX and again XX/XX/XXXX speaking to XXXX the XXXX leasing XXXX both times. During the phone calls she explained to me that the reasoning for the {$270.00} is due to me moving out on XX/XX/XXXX instead of my XX/XX/XXXX which is when my lease was up. I explained to XXXX that I moved out of my apartment on XX/XX/XXXX and due to not having numerous leasing managers at that time, there was no one at the leasing office to physically turn my key in. 
XX/XX/XXXX I called the collection agency : Fair Collections and Out at ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. During this call I spoke to the representative XXXX XXXX at XXXX ; she stated the reason for collection of {$270.00} was due to past due utilities bills. 
This could not be true due to me paying my utilities separate from my rent. On XX/XX/XXXX at XXXX I called Fair Collections and Out agency back speaking to a representative named XXXX XXXX who informed me that my collection amount is {$270.00} due for my fin month of rent and utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has various addresses I never lived and phone numbers I never used. In XXXX, XXXX and XXXX I have requested removal of this inaccurate information with no resolution. The only accurate address is my current address starting with XXXX XXXX and the only correct phone number ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for an investigation into the account shown on the attachment and Experian has been ignoring those request both times and continues to report the data. I am requesting that the incorrect information be deleted.
Product: Credit reporting or other personal consumer reports

- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICALVERIFICATION XXXX XXXX XXXX Account Number : XXXX Please XXXX  account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX Please XXXX account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION XXXX XXXX Account Number : XXXX Please XXXX  account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICALVERIFICATION XXXX  XXXX XXXX Account number Please XXXX  account from credit file.
Product: Credit card

I received Citizens Bank Credit Card XXXX in XXXX. It had a charge of {$270.00} to XXXX XXXX XXXX in XXXX, Ma. It had the same address as the XXXX XXXX charge I made a complaint about. I did not make that charge. I did not lose my Citizens Credit Card. I called Citizens and they said they would investigate.On XX/XX/XXXX I received a letter from Citizens that said they concluded no error occurred and the transaction was authorized. I am XXXX XXXX XXXX. I have no idea where that restaurant is. It must be about the chip. What kind of protection can I expect? 


























as in the other complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! I hope this message finds you well. I am submitting this complaint once more as a follow up to reiterate my earnest request for the XXXX, XXXX, and TransUnion Credit Bureaus to take immediate action in removing and blocking the listed fraudulent inquiries from reporting in my credit file during the next update. The specific inquiries I require to be removed are as follows : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX. As FCRA Section 605B mandates credit bureaus to investigate and respond to consumer disputes within 30 days. It has now been a while now since I initiated these disputes, and this delay is unacceptable. I expect the immediate attention and resolution that this matter warrants.
Product: Credit reporting

I FILED DISPUTES AGAINST XXXX AND OTHER INCORRECT INFORMATION ON MY EXPERIAN CREDIT REPORT. EXPERIAN TOOK THE DISPUTES, INDICATED AND/OR CORRECTED THE DISPUTES, REPAIRED MY CREDIT SCORE ... ... EXCEPT FOR THE XXXX ISSUE ; THEY STILL SHOW XXXX 'S COMPLAINT BUT DID N'T SHOW OR DISPLAY MY COMPLAINT AGAINST XXXX. I HAVE NO OTHER DEROGATORY ISSUES OR ANYTHING THAT WOULD LOWER MY CREDIT SCORE WHICH IS STUCK AT XXXX. WHY WO N'T EXPERIAN SHOW MY COMPLAINT ON MY CREDIT REPORT OR SHOW THAT IT 'S BEING DISPUTED. THIS WOULD EXPLAIN TO EVERYONE THE DEROGATORIES FROM XXXX ON MY CREDIT REPORT. I OFFERED TO NEGOTIATE THE AMOUNT WITH XXXX BUT TO NO AVAIL. I FILED A COMPLAINT OF FRAUD AGAINST XXXX WITH THE CFPB. ALL MY COMMUNICATION WITH XXXX AND EXPERIAN HAS BEEN ONLINE SO I DONT HAVE ANY DOCUMENTS ONLY COPY OF MY CREDIT REPORT ... .I AUTHORIZE YOU TO PULL IT FOR YOUR REVIEW IF YOU NEED TO DO SO ...
Product: Money transfer, virtual currency, or money service

I got an email from Chime Financial that an account was opened in my name using an address I havent lived at for over a decade. I contacted them about this fraudulent account and they are closing it. However, I know XXXX XXXX  XXXX was opening fake accounts a few years ago and I wanted to make sure data was reported in case this is happening at Chime.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, my wife and I wired USD XXXX for Earnest Money Deposit ( EMD ) to a title company ( XXXX XXXX ) from a XXXX XXXX branch of Bank of America. The real estate deal fell through and the seller agreed to release the EMD on XXXX XXXX XXXX. The title company proceeded to cancel the previous wire on Tuesday, XXXX XXXX XXXX. Today is Friday, XXXX XXXX XXXX  and the fund has not been deposited back into our Bank of America checking account. XXXX provided us with the federal reference number for the wire, and twice the bank of America claimed it would be made available soon without further elaboration except that it is being " verified ''. We have now been instructed to wait until Tuesday, XXXX XXXX XXXX This was for the wire that was sent out by XXXX on XX/XX/XXXX. We are first time home buyers, and we need to have the deposit back soon so that we can proceed with our ongoing home purchase deal with another seller. I do not understand why our fund is being held by Bank of America in this manner when they can clearly see the wire cancellation request.
Product: Credit card

I do not now nor have I ever had a credit card with Capital One. They are falsely reporting that I had a XXXX XXXX credit card managed by them. They are reporting a {$750.00} credit limit with a {$2000.00} balance. I have reached out to them over the course of four years to attempt to clear this matter, and they have not acted. Each person assigned to my case ends his/her tenure with Capital One due to their company downsizing, and my dispute has never been resolved. Basically, it seems to come down to they are too big of a company to be held accountable for incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX XXXX to have the account removed from my credit report. XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Experian rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party.

I did not give written permission to have the accounts added to my credit report.

I have also attached a recent copy of my FICO report to support and show inaccuracies. 

This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX XXXX XXXX- {$560.00} XXXX XXXX XXXX- {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT PROFILE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT THIS IS NOT MINE- THIS IS ILLEGAL AND WRONG - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the Fair Credit Reporting Act, These listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681Section 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 consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mXXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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 incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXXXXXX, 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Payment on my account was due on XX/XX/year>. I made a payment on XX/XX/XXXX. XXXX. Then, they contacted me XXXX days after the payment was made via text message at XXXX XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX  XXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX after multiple attempts to correct the information with my XXXX XXXX XXXX XXXX XXXX XXXX, and Transunion have failed to correct. 

My report shows that my account was 30 days late in XXXX of XXXX. On XX/XX/XXXX I filed a complaint through the CFPB asking for proof that the information is correct non was provided by either the CFPB or the credit Bureaus. 

I am again disputing but this time demanding that the account be removed from my credit if they the lender and credit bureau can not provide and list accurate information on my credit report.
Product: Debt collection

Portfolio Recovery Assoc ( account # XXXX/XXXX/XXXX/XXXX/ Im the amount of $ XXXX/ $ XXXX/ {$440.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Product: Credit reporting or other personal consumer reports

Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided. 

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on [ XXXX XXXX XXXX XXXX ], along with certified tracking [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : XXXX. Account with XXXX  - Account Number XXXX Account with XXXX  - Account Number XXXX Account with XXXXXXXX XXXX XXXX - Account Number XXXX Account with XXXX - Account Number XXXX Account with XXXX XXXX  - Account Number XXXX Account with XXXX - Account Number XXXX Inquiry from XXXX XXXX  - Inquiry XXXX XX/XX/year> XXXX have included a copy of my identity theft report from [ Police Department/FTC affidavit ] and all prior correspondence as proof of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ). 

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary. 

I expect prompt written confirmation of the removal of these items within the next XXXX business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

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

My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The Case XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of XXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX % XXXX % XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.
Product: Bank account or service

Social Security deposited funds into US Direct Express debit card account on XXXX/XXXX/2015 and the same day someone used a web access to perform a fraudulent " money transfer '' out of that account into another account. US Direct Express refuses to cooperate and tell us where our funds are, to whom they were transferred to and has locked us out of our account. We can not get any information to file a complaint with the local police, social security can not assist us and the debit card company is refusing to cooperate.
Product: Debt collection

On my credit file it says I owe one amount but when you call to pay it off they are asking for double amount