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

I have received a copy on my consumer reports and I notice XXXX, EQUIFAX, XXXX XXXX AND XXXX have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general, The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
XXXX or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX XXXX ) and the Person ( XXXX XXXX ) is a violation of 15 USC 1681a, the definition of the consumer report does not include XXXX or XXXX, which makes their factors or algorithm is not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts ( XXXX XX/XX/2023 ) ( XXXX XXXX  ) has charged fraudulent late fees and, in addition, inserted late payments on my consumer report, all payments were made on time, and all payments were exact and all payments were made on their respective due date. My account with XXXXXXXX XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful ; it has caused severe harm to my reputation, my character, my mode of living and to my family! I need the following : late payments Deleted : ( # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been charging me {$24.00} per month to be a paid member of their credit reporting services. After reading and reviewing my Experian credit reports, I discovered there are a lot of derogatory and negative trade lines on it that do not belong to me and I never signed for or did I ever conduct any business with these companies. Being a paid member I have requested from Experian to refund me all of my money that I have spent and they refused to refund me anything. 

I am unable to open any online disputes on the Experian website, I had to print out my Experian credit report and check off all of these derogatory and negative trade lines on it and I had to send it in the U.S. mail to Experian. They informed me it would take 30 days to investigate everything and they would send me an updated credit report in the U.S. mail and I never received anything in the U.S. mail from Experian. 

I am demanding that I receive a full refund and my Experian credit report is cleared of all of these derogatory and negative trade lines that do not belong to me or I have ever been associated with. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account on credit report past 7 years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX XXXX XXXX ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Public Records Report Date : XX/XX/year> This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. 

They can be contacted at : XXXX XXXX for Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX continues XXXX respond to me by saying that no public record exists. I have attached their latest response. I have on several occasions requested written verification from Equifax. I have yet to receive a written copy or proof that a public record exists. The response is the FCRA notice, an offer to add a statement, and them pointing the finger at XXXX. I have disputed XXXX and Equifax in writing, online, XXXX, and several times through CFPB. I would like some action to be taken as it has been over XXXX years of false information being reported by Equifax.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied for the XXXX XXXX XXXX card with Chase because on the XXXX website they were promoting a " Get a XXXX XXXX Dollar Statement Credit after your first purchase.Opens Offer Details Overlay * Plus earn XXXX points after you spend {$500.00} on purchases in the first 3 months ''. After applying for the card, being approved, and immediately making my first purchase of XXXX flights, I received my billing statement. Upon reviewing my billing statement I saw that the {$200.00} credit had not been applied. I called the company and they are now saying that the promotion I have is indeed another one, but I told them that that is impossible since the only marketing I ever saw and clicked on was for the promotion stated above. They are now going to send me a letter in XXXX business days explaining their reasoning. I find it extremely unfair to have to pay a {$69.00} annual fee for the card, and they not hold up their end of the bargain. If anything I should've just bought the flights without applying for the card!
Product: Debt collection

the company known as " XXXX XXXX XXXXXXXX '' with several phone numbers, ( XXXX ; XXXX ; and more. ) claims to be a debt arbitrator. I have tried to speak with them on several occasions, asking what this is about. each time they insist i owe money and they are trying to keep me from legal action in the county where I presently live. I have reminded them of of my bankruptcy discharge and they should check court records. They say the company they represent Citi Bank was not included in the discharge. I have records showing they were included. The original Bankruptcy was files in XXXX and fully discharged in XXXX. SWince filing for BK while living in XXXX, I have had to move numerous times. This Company could not even tell me my current address when I asked them to send me a letter with their request for additional information. 

I ' file additional complaints as needed.
Product: Credit card

Someone opened a card using my information with TD Bank/Target in XX/XX/2024 and has been using it. I never opened that account/card nor do I ever intend to. I believe its fraud.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against PayPal. I sold a few sneakers last year around XXXX on XXXX, and suddenly my PayPal account got permanently restricted for no reason. I had around {$6100.00} balance right before the restriction. I shipped all the orders out and they were all delivered and verified thru XXXX. I was told by PayPal to wait 6 months in order to withdrawal the balance to my bank account, but PayPal took the money ( full amount ) from my account automatically when the 6 month ended. The only reason they give me is that I violated their term of service, but I have properly shipped each product and they were verified by XXXX before even reaching the customer. As you can see in the XXXX emails, all for my sneakers were successfully authenticated by XXXX. I have called and emailed PayPal, but I have never received any response from them in months.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I financed a vehicle through Credit Acceptance. In XXXX of XXXX, the vehicle was found to be totaled. I provided the company ( Credit Acceptance ) with all the information they needed. A year later, I received a phone call about a late payment. I asked the agent, if they had the information, I sent regarding the vehicle that was requested. As of XX/XX/XXXX, the company is still charging me and the current balance is {$25.00}, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my credit report I disputed recently through XXXX XXXX inquiry assist letters to US Bank 4-5 months ago for two different inquiries one of XX/XX/XXXX the other of XX/XX/XXXX and the company has not responded ...
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on FST Progress XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX  ( XXXX ) XXXX  during the covered period.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to XXXX XXXX of Fair Credit Reporting Act.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX and returned the lease on XX/XX/2019 which is 4 days prior to the lease end date. Toyota Financial claims I kept the car two months past the lease end date without paying for the vehicle although I have proof from the dealer which received the car back in XXXX. I never received any invoices for this supposed late return. As a result of their mistake they have ruined my credit and my credit score has dropped by 72 points. I have been trying for the last month to resolve this issue with Toyota Financial and the three main credit Bureaus. Toyota is now admitting they made a mistake but have yet to inform the credit Bureaus. Every time I call Toyota I spend 15-25 minutes on hold and once connected I get a representative that can barely speak english and keeps reading a script. I am no longer willing to tolerate this, my credit score went from 805 to 733 for a mistake Toyota has made and keeps promising to resolve for the past month.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am trying to have my student loans with Navient deferred for 6 months per the new stimulus package which passed this week. The customer service representative stated the loans were now " Navient Federal '' loans not just federal loans, and therefore only qualify for a 90 day deferral.
Product: Credit reporting or other personal consumer reports

Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX ( Experian )
Product: Payday loan

The amounts that the payday loan company is charging me is outrageous. I 've asked a few times to stop the draft due to inability to pay, and they will not allow them to stop. I am at the point of needed to change my bank account. 
XXXX XXXX, North Carolina
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give Experian written permission to furnish these accounts. 


XXXX  XXXX  XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

After fraudulent purchases were made on my Business Line of Credit and I contacted Wells Fargo on XX/XX/year>, the credit card was cancelled and a new one issued. 
Unfortunately, now almost one month later, the new XXXX XXXX Checks that were promised have not yet arrived. 
Multiple phone calls have not resulted in resolution of the problem. Even worse, everytime I call Wells Fargo, I can not reach the person I initially spoke with and the person I do speak with has no ability to solve the problem. Wells Fargo customer service is a system designed for failure. Please assist me in obtaining new XXXX XXXX Checks post haste so that the continuous smooth running of my business is not compromised. Thank you
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Collection
Product: Debt collection

NCB Management is a collection agency. Need validation of debt between the consumer and collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the rights 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.