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

I had an installment loan with XXXX XXXX XXXX XXXX XXXX XXXX ). Due to XXXX and several other health and family personal emergencies, I was delinquent on paying my monthly payments. In XXXX of XXXX, I paid the entire balance owing on the account. I requested that the company provide accurate account information to all three credit bureaus reflecting the current account status. I also requested that they remove any derogatory remarks in good faith as I was dealing with a great deal of stress during the time of this loan as I had several members of my family die of XXXX and had other personal and financial difficulties I was dealing with. 
When things improved, I contacted the company and Paid In Full my entire balance, despite the fact that they had written/charged off the entire amount of the loan roughly {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX  XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  XXXX {$15000.00} XXXX/XXXX   XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX   XXXX {$780.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
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 : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX XXXX 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

I'm positioning to offer my hesitation concerning the gave records a shot my credit report. On different occasions, I have raised the issue of mistakes in these records, and have persistently suggested that they be overall around isolated. Regardless of my endeavors, I in a short time plainly can't get any goal or fixing development. These off track records are really harming my credit report and dissuading my capacity to occur with an ordinary life. The hostile results of these goofs have caused colossal difficulties for me, and I'm left with no decision close to fight for your help with moving an eye on what's along on at the earliest entryway. I cautiously demand that you direct an exhaustive evaluation concerning the principal of these attempted records. It is fundamental that the critical advances are taken to empower and change my credit report right away. With your assistance, I truly need to reestablish the precision and standardness of my credit record so I could recover command over my cash related flourishing. I truly ask you to introduce this matter your generally ridiculous idea and make an impetus move. Your organized exertion and moving in settling this issue quickly would be tremendously basic. Grateful to you without even batting an eye for your insight and help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute these accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 I've had my Best Buy credit card for over 7 years, and I have always paid the bill on time. On XX/XX/XXXX I went online to pay my bill and the website was having issues. I tried call them on a few occasions to pay my bill and was told to call back because the high amount of calls received. Due to the COVID 19 pandemic we are told to stay home, and Best Buy was not allowing people in there store. At that time I only owe {$1.00} to Best for my card payment but I was unable to get my payment to them. I finally go through but it was pass the due date. My credit limit was {$4000.00} and was drop to {$500.00}, which has cause my credit score to drop. Best Buy was able to update date my payment and remove late fees, but when I reached out to Citibank ( Best Buy ) to instate my credit to XXXX, they said I should have made a better attempt to pay and that they can't do nothing to restate my previous credit limit.
Product: Credit reporting or other personal consumer reports

A letter was sent to Transunion through the CFPB requesting for this company to provide me a detailed Methodology of Investigation : A full explanantion of the procedures and techniques used to verify the authenticity of these XXXX  fraudulent accounts, XXXX XXXX # XXXX, XXXX XXXX # XXXX, Parties involved : names, titles, and roles of all individuals or departments responsible for conducting investigation. Proof of authorization : Copies of the original account applications or agreements, including signature pages. Fraud detection measures : Documentation of fraud detection tools used, including IP address tracking, device identifiers, and geolocation data at the time the accounts were opened. 
Transunion has failed as a company as they failed to respond within legally mandated timeframes outlined by the FCRA WHICH IS A DIRECT VIOLATION OF FEDERAL LAW.
Product: Consumer Loan

Chase is inaccurately reporting the status of my auto loan. They have misrepresented my payment history to the credit reporting agencies, after promising to correct it and are trying to collect payments I 've already made. I 've attached proof of payment, and a recorded phone call and proof of my claims.
Product: Credit reporting or other personal consumer reports

XXXX Discover credit card judgement {$5600.00}. XXXX XXXX XXXX XXXX garnishment starts 25 % of income XXXX request for hearing on garnishment XXXX garnishment lowered 15 % XXXX employment ended and {$3300.00} has been paid. 
XXXX discharge & release of garnishment XXXX  contacted XXXXXXXX XXXX XXXX  Was told account went back to Discover Bank. 
No further communication from Discover Bank. 
XXXX {$2400.00} still owed. Contacted DiscoverXXXX  bank to resolve debt in full but asked for a settlement amount. Was told account was in another department that only communicates via email. Was told a lawyer would have to be assigned to my account and I was to email name dat account number etc information, so I did. I received a confirmation email stating someone would email or call in 5-7 days. No contact. 10 days later I called back. This time I was told they were short staffed and it would be more like 14 days. This did not happen. Called again and spoke with a supervisor and was told she would put in a request to expedite my request. Every time I told them I was ready to pay that day and every time I was told that they could not take a payment from me. 
XXXX still no call or email from Discover. 
This has been handled unprofessionally and it it still on my credit report, which I have worked very hard to improve.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the intervention of the Consumer Financial Protection Bureau ( CFPB ) in addressing a matter of negligence and non-compliance by TransUnion. Despite my repeated disputes, supported by extensive documentation, both agencies have failed to remove fraudulent accounts and unauthorized hard inquiries from my credit reports. 
I have submitted ample evidence to TransUnion including : Federal Trade Commission ( FTC ) Identity Theft Report Police Report Bank Statement Social Security Card Government-Issued Identification ( ID ) XXXXXXXX XXXX XXXX XXXX proving I was XXXX XXXX XXXX XXXXXXXX in XXXX during the time a fraudulent XXXX XXXX account and other accounts were opened.

Despite providing this overwhelming documentation, these credit bureaus have continued to report erroneous accounts and inquiries, causing severe harm to my creditworthiness. Specific fraudulent entries include : 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is clear that TransUnion has failed in their legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of my credit report and investigate disputes promptly and thoroughly. Their negligence has resulted in ongoing financial harm, including : Credit score damage Inability to secure credit Emotional distress I demand that the CFPB take immediate action to hold TransUnion accountable for their failure to resolve this matter. Specifically, I request : 1. Removal of all fraudulent accounts and hard inquiries identified above.

2. A full investigation into the compliance failures of these credit bureaus.

3. Assistance in ensuring that both agencies prevent future inaccuracies in my credit report. 
I have attached copies of the supporting documentation submitted to TransUnion and XXXX for your reference. 
Thank you for your immediate attention to this critical matter. Should you need further information or clarification, please do not hesitate to contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have been notified that I am among those impacted by the equifax databreach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX  XXXX XXXX {$0.00} CXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00}
Product: Debt collection

Since XX/XX/XXXX till XX/XX/XXXX, I have resided at XXXX XXXX XXXX . XXXX XXXX ( XXXX XXXX ). My second lease, a 13-month lease, commenced on XX/XX/XXXX and it ended on XX/XX/XXXX. When I returned home from my weekly travel on XX/XX/XXXX, I found out that the management of the XXXX XXXX took possession of the property without my knowledge. Since I travel 5 days out of the week, I made arrangements to have my belongings moved out the prior weekend. I have inquired with the management about the possible explanation why I was locked out of my apartment to no avail. 

On XX/XX/XXXX, I have received a Moveout Statement stating I owed {$420.00} including {$350.00} for carpet stains. Again, I have tried to reach out to XXXX XXXX, property manager, to gain an understanding why I was locked out of my apartment before the lease expiration, who the management received an authorization from to take possession of the property before the lease end and any walk-through documentation or an agreement assessing the condition of the apartment. Since I was the only person listed on the lease agreement, XXXX management was authorized to only communicate with me! Since they failed to do so and took possession of the property before the lease end and without my knowledge and consent, they breached the contract they had with me. 

I left 10 messages for the property manager at the XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX which she denied receiving when I personally went to see her on XX/XX/XXXX. That same day, I also contacted the resident liaison at the XXXX XXXX who owns and manages the XXXX XXXX to see who I could contact at the corporate office. She informed me that at the direction from the property manager, she was not allowed to communicate with me or give me any additional information. 

On XX/XX/XXXX, I sent a certified letter to XXXX XXXX, vice president of property management at XXXX XXXX explaining the situation to him and asking for explanation. 

I also sent a certified letter to IQ Data International letting them know that I disputed the validity of the debt and I contacted the corporate headquarters for explanation. In the meantime, I asked IQ Data International to discontinue collecting on the debt and forward the account to XXXX XXXX until a resolution is reached. 

My letter to the Vice President of Property Management at XXXX XXXX went unanswered as of today for 60 days and IQ Data International placed a collection on all my credit reports without notifying me of the action. 

XXXX XXXX as well as their debt collector violated my rights under the FCRA by not proving the validity of the debt. XXXX XXXX had ample time to answer my questions and inquires in the letter they received and signed for on XX/XX/XXXX. Instead of proving the validity of the debt they are trying to collect from me, they discriminated against me assuming that as an XXXX male I am not aware of my consumer rights and will let XXXX XXXX and as well as IQ Data International extort money from me to prevent any damage to my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. 

XXXX XXXX XXXX XXXXXXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXXXXXX XXXX XXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXXXXXX XXXX XXXX XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXXXXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Student loan

I feel that the payments are not being applied properly. I have a statement from XXXX showing the principal and the interest that I will be paying over the course of the loan. 
I still have XXXX years balance to pay but I have paid more interest than my letter states. 
I pay on this loan each month. This loan was for our son 's education. We had all the loans combined when he completed school. He later went back to school to further his education. Navient stated that this was deferred because he went back to school and had new loans. This loan that I am paying for is in his name therefore it was placed in deferred status. I explained that payments have been made each month as we agreed and is not deferred. I would like someone to look into this matter. I know I still have a balance and we plan to pay the balance of this loan this year. He attended XXXX and XXXX in Georgia.
Product: Credit card or prepaid card

hello i have tried multiple times to reach out to Bonton about this credit card that they say is charged off on my credit report and they have not fixed the issue ... .I did not owe anything on my card for a longgg time then they shut this store down and i get this on my credit report and it is inaccurate ... I did not have a balance at all ... .There must be a mix up in their transferring of files when they sold to the liquidator ... As a matter of fact they owe me money ... i had a {$250.00} gift card that i was unable to use once they sold to a liquidator out of the blue ... they said it wasnt possible so i lost that money ... .i will attach a file of the reporting and one of the letter i sent out in which i received nothing back ... how are the credit bureaus saying this is verified? i have disputed with all 3 bureaus and thhey have not even marked it in dispute ( see attachhed ) so how did they conduct a full investigation? this is all a mess and is killing my credit score i need this deleted
Product: Credit card

I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with XXXX, XXXX and XXXX. XXXX and XXXX deleted the account per proper reporting information. XXXX responded to XXXX that the new date for this account to be removed is XXXX XXXX, which is very incorrect.
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. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate information on my TransUnion credit report. Despite my previous contact with TransUnion on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXX  XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} The XXXX  XXXX account listed on my TransUnion credit report was never late. I kindly request TransUnion to correct and update this inaccurate information accordingly. 

XXXX XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$7400.00} The XXXX XXXX  account listed on my TransUnion credit report incorrectly indicates a late payment. I request TransUnion to remove the late payment designation from this account.
Product: Vehicle loan or lease

I have an auto loan with BMW FIN SVC XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

BMW FIN SVC XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution recommended under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX immediately cease all credit reporting on my report XXXX XXXX XXXX of collections with XXXX XXXX XXXX. This is a violation of FCRA. 
XXXX XXXX XXXX XXXX ( 2 ) XXXX {$600.00} and {$460.00} XXXX XXXX XXXX XXXX has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. 

Immediately cease reporting of false and inaccurate statements to credit bureaus XXXX XXXX, and Experian by XXXX XXXX XXXX.