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

I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Vehicle loan or lease

My name is XXXX XXXX. I had an auto loan with Exeter Finance LLC. 

The reason for my email is to report the financial bad business concerns I have with my auto loan. I have spoken with Exeter Finance on several occasions about my loan ; the interest payment, why my extra payments or overage payments werent going towards my principal, and why my monthly statements require more money than my contractual obligations. 

This is a list of the concerns I would like the Federal Trade Commission to review. 

Exeter Finance billed more than my contractual obligations, my contractual payments were {$210.00} monthly. I was told it might be fees. 

Exeter would not apply extra payments toward my principal, even though I would call and request that the excess amount be applied to the principal. Example XX/XX/2019 {$100.00} principal payment was removed on XX/XX/2019 and then applied to interest only on XX/XX/2019. On XX/XX/2019, a payment from XX/XX/2019 was removed from my account and was never applied anywhere on my account. I confirmed with my bank that {$240.00} on XX/XX/2019 was paid to Exeter Finance. ( I never missed a late payment or was late on a payment ) I paid {$150.00} in interest on XX/XX/2019, when I questioned Exeter about it, I was told it was because of the number of days between my XXXX and XXXX payment. 

The interest payment did not decline as the balance declined. 

I paid my loan off one year and one month early because I was tired of going back and forward with Exeter, but I paid the same interest as if I had taken the loan to full term. I also believe I overpaid on the principal balance. 

These are just the financial issues I could identify. As Exeter representative explained to me once, " you would not understand the complexity of finances '' I ask that CFPB to evaluate all documents. 

I do have documents to support all claims.
Product: Credit reporting or other personal consumer reports

I notice my credit report showing late payments in which I never miss a payment on the folling account ( XXXX ) ( XXXX XXXX ) consumer reporting agencies play a crucial role in accurately reporting consumer information I request a through infestation for these discrepancies and urge you to provide evidence such as statement proving late payment if unable to provide proof I demand this payment be update to paid on time
Product: Debt collection

I have no knowledge of this account and would demand a debt validation letter from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to the three bureaus and they have neither responded nor verified the items from my report. Here are the items : XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Product: Student loan

On XX/XX/XXXX I logged into my online banking and discovered that Navient debited my account on XX/XX/XXXX without my authorization or permission for {$150.00}. I have never authorized Navient since the inclusion of my loans in XX/XX/XXXX to automatically pay themselves. I last paid my bill on XX/XX/XXXX and was not subject to collection. I filed a complaint with my bank XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian. Alleging Systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. I am requesting immediate action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I received email notification that an account was opened by me with Bank of America. I immediately contacted Bank of America fraud and was given a phone number to reach out to during the investigation. All of the Bank of America numbers will not allow you to speak to someone unless you enter your online pin. I did not open the account, so how could I have this information? Now I have received a debit card not only from Bank of America but from Merrill Lynch also. Once again, trying to contact them is impossible.
Product: Credit card

XX/XX/year> I file a dispute for charges totaling {$9600.00}. 
The supplier did not provide the good purchase nor the installation. I tried to resolve the issue with the supplier, the supplier kept changing the date of delivery from XXXX to XXXX, then to XXXX then to XXXX then to XX/XX/XXXX. They never delivered the goods nor installed the item ordered, therefore I contacted Apple Card issue by Goldman Sachs. I have called Apple Card numerous times and they still have not resolved the issue. I am asking them to refund the {$9600.00} for the delivered. The credit card company has the dispute open and has not provided any resolution in almost 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter of late payment history and errors on my consumer report on XXXX XXXX via certified mail with return receipt that I have yet to be deleted or a response to
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am sending this notice on my own free will. Attached is two files which is an completed FTC ( identity theft report ) and files containing personal identifiable information and additional facts of identity theft. Please see to it that this information is blocked and deleted pursuant to XXXX XXXX XXXX within 4 days. In addition to blocking this information im am requesting full file disclosure of my credit file pursuant to XXXX XXXX XXXX ( g ) XXXX usc XXXX ( a ) and XXXX usc XXXX of the fair credit reporting act.
Product: Debt collection

Our lease with the XXXX a XXXX XXXX property ended on XX/XX/XXXX. We paid our rent through the month in full. We received a move out statement indicating that we were responsible for XX/XX/XXXX rent, which was incorrect. It took several calls to get a corrected move out statement sent showing we owed no balance and we were issued a check for the return of our deposit. Two weeks later we started receiving non stop phone calls from a collection agency IQ Data. We let them know it was incorrect and asked to stop the calls. They refused and in addition to the harassing phone calls, started sending letters. I submitted a dispute in writing by mail and email, still continuing collection efforts. I have reached out to the XXXX and XXXX and been told we have a XXXX balance and this will be corrected, it hasnt been and on XX/XX/XXXX IQ Data turned the collection account to the credit reporting agencies. I have called IQ Data, XXXX XXXXnd XXXX as well as sent several communications in writing and even filed a dispute with all XXXX credit agencies and XXXX, the first to respond did nothing, made no updates or corrections. I have no idea where to turn, no one will help us correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling XXXX, Experian, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Product: Debt collection

This company is illegally reaging accounts and continues to report an address on my credit that Ive never lived in called XXXX, OH.They are reporting a debt as of 2021 and the account was well before 2021.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

I had a secured credit card with XXXX XXXXXXXX XXXX for about 10-15 years now and they changed the way you pay your bills online also online statements would not be updated without any notice, ie, email, call nor text. when I found out that the statements weren't accurate I started sending {$20.00} a month towards my credit card, which I barely even used, the annual fee was what I was paying. in XXXX they tried to send me a overpayment refund check, I told them to put my overpayment towards future bill payments. An representative told me I could request that, and I did. I got a notice that I was late paying my bill in XXXX or XXXX, but the website said I was current and had a credit. around XXXX they reported to the credit agencies that I had a 30 day late payment. Never recieved a email, text nor call before hand. they said I didnt pay a {$5.00} late fee. mind you I had {$150.00} - {$250.00} overpayment that was to have been used. l disputed it they said it was accurate, talked to reps but no one never spoke about my credit I had with them that was to have been used. long story short, I recently closed that account and they sent me a {$350.00} overpayment to my checking account. no one never addressed the fact that I was not late but overpayed my account so how could I be 30 days late when I had a {$350.00} overpayment refund issued to my checking account. My credit went from XXXX in XXXX to a XXXX in XXXX. and my other credit card limits from other companies were lowered because of that error. I worked too hard to get my credit right for this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I contacted Experian to complain about the status of my credit card in my credit report, it read closed on my report with last activity XX/XX/XXXX. It impacted my request for credit in XX/XX/XXXX from a mortgage lender ; I was offered a lower tier rate because of the absence of a revolving facility and low score. The dispute was marked resolved after my request and status of my credit card updated. 

XX/XX/XXXX : I applied for a personal loan with XXXX XXXX and was denied. I have attached the notice of adverse action. The reason for denial was absence of revolving credit. I pulled my score and report from Experian and it shows my credit card account as closed and not included in scoring, same issue from XX/XX/XXXX that was supposedly resolved. I've attached the report and score. 

This issue has caused me significant harm. I'm paying more for my mortgage and was just denied access to credit because of this.
Product: Credit reporting or other personal consumer reports

I RECEIVED A INQUIRE ON MY MEMBER ALERT FROM XXXX BACK IN XXXX FROM FORD CREDIT AND XXXX XXXX, I CALLED BOTH BUSINESS AND TOLD THEM ITS FRAUD AND THEY SAID THANK YOU AND WE WILL NOT FUND THE DEAL. BUT THEY KEPT THE LOANS ON MY CREDIT FILE WHEN THEY WERE WARNED BEFORE THE VEHICLE WAS TAKEN AND FUND, THEY DIDN'T LISTEN TO ANYTHING I SAID AND LET A PERSON USE MY IDENTITY ANYWAYS. 
I HAVE SUED FORD MOTOR CREDIT AND HAVE WON A JUDGEMENT AGAINST THEM AND XXXX XXXX IN XXXX GA.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 as I was looking over my credit report I discovered American Express is reporting inaccurate information on my credit report to all 3 bureau 's. Due to American Express reporting inaccurate information on my credit reports I am requesting the account to be removed from all 3 credit bureau 's. The account was charged off and closed but American Express is reporting the same balance on all 3 credit reports and a different credit limit on all 3 bureau 's for an account that is listed as closed that is inaccurate information and needs to be removed ASAP.
Product: Credit card or prepaid card

I received an upgrade offer for an american express card that i accepted, it was XXXX membership rewards points after XXXX spend on the card. After meeting the requirements i received the points but then i downgraded the card because they lowered my credit limit from somewhere around XXXX $ to {$1200.00} which is terrible for my current spending making the card useless for me so i thought it was better to downgrade since i cant really make big purchases on the card making it useless with the big annual fee that it had. 

Now the problem is after downgrading the card they put my rewards points in a negative XXXX balance for " abuse, misuse or gaming '' when in fact that wasn't why i downgraded the card it was because they lowered my credit limit randomly to XXXX $ a month after upgrading to the offer for no reason what so ever. 

My current income is XXXX per year and i have perfect credit and lots of other cards with higher credit limits then the one they lowered me to so this is not a reasonable credit limit for me making the card useless for me so i had to downgrade it. 

Please help with this thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which 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, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX Owed : {$580.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX bankruptcy discharged Case Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  XXXX  XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!