23daVinci/CFPB_Complaints huggingface dataset:
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Already done. 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 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; DP OF EDUC XXXX Balance Owed : {$1100.00} ; DP OF EDUC XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; DP OF EDUC XXXX Balance Owed : {$3100.00} ; DP OF EDUC XXXX Balance Owed : {$4500.00} ; DP OF EDUC XXXX Balance Owed : {$1200.00} ; DP OF EDUC XXXX Balance Owed : {$2700.00} ; DP OF EDUC XXXX Balance Owed : {$2500.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry 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 or other personal consumer reports

XXXX keeps reporting that I was over 120 days late when we did a debt disbursement plan and none of it shouldve been reflected on my credit report. This happened in XXXX XXXX and XX/XX/year>. Everything shouldve been reported as OK with no late payment histories. Ive never made any late payments. The agreement stated that.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : Experian XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation.

Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed. 
XXXX XXXX XXXX XXXX XXXX account XXXX... 
XXXX XXXX account XXXX... 
XXXXXXXX XXXX XXXX XXXX account XXXX... 
Please update the status of this account to " paid on time ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) exclusions.

According to this provision, certain information is not to be included in consumer reports.

15 USC 1681a is a law that defines the term " consumer report '' and its exclusions. The term " consumer report '' does not include : Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have recently reviewed my credit report provided by your agency and have found that there are inaccuracies and violations of these exclusions. You are reporting XXXX late payments which are experiences between the consumer and the person making the report. 

I am formally requesting that you take immediate action to correct these violations and remove the information from my credit report. I also request that you provide me with a revised copy of my credit report once these corrections have been made. 

Failure to comply with this request may result in further legal action being taken against your agency for non-compliance with federal law. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX
Product: Debt collection

On XX/XX/18 XXXX XXXX left a threatening voice mail on my cell phone. They told me I was going to be served court papers at my place of work for an old debt. I called there and they offered me a payment plan. What concerns me is the fact that they have my Social Security number. This is a very old debt and I'm sure past the legal limit to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my credit score is XXXX and the reason the source bankruptcy navigation something XXXX which doesn't make sense because I haven't had a bankruptcy for over XXXX years ago so that shouldn't even be on there due to the fact that 7 years after the bankruptcy is supposed to be wiped off my credit report so I would like credit human XXXX  direct to please fix my Equifax credit score to the proper score after taking and removing the bankruptcy that I don't have or haven't had.
Product: Debt collection

USAA is holding me accountable for 2 accounts that belong to my parents. One account that was open on XX/XX/2013 for {$300.00} and XX/XX/2013 for  {$5000.00}. I was only XXXX at the time my parents open the accounts. My mom has called and complained about these accounts being on my credit reports. But USAA has done nothing to remove them. We filled a dispute, but the investigation with my XX/XX/XXXX report has been under investigation for 2 years and they still have not updated it.
Product: Credit card or prepaid card

Capital One has begun charging a {$39.00} " annual membership fee '' on my Platinum Credit Card. When I applied for the card, I specifically chose the Platinum card due to the lack of annual fee. On all promotional materials, the Platinum card is listed as having " {$0.00} annual fee '' and in terms and conditions on their website, the {$39.00} " annual membership fee '' is not disclosed. A yearly " membership fee '' IS an annual fee. This is unethical and misleading conduct and I am not the first customer to have experienced this confusion at being charged an annual fee. If Capital One is going to charge an annual membership fee, the {$39.00} should be listed as an annual fee in their Product Terms & Conditions immediately.
Product: Credit reporting or other personal consumer reports

this company they was checking my credit without my consent JPMCB CARD XX/XX/year> Bank Credit Cards
Product: Debt collection

The company calls me over and over and will not stop. Ive asked to be taken off the list, but they will not comply and are seeking personal information in order to collect. The company is portfolio recovery associates llc XXXX. I block their number and they call me from a different number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has placed a judgement against me for back rent on a apartment I rented from them. I was watching my brothers licensed emotional support dog when I had false accusations that she was a Pit bull and I was told i can not have the breed or a dog in the apartment unless I paid a shake down fee of {$1000.00}, I showed proof that the dog was a XXXX XXXX XXXX and that I was watching her temporarily due to my brother being in the hospital with a XXXX XXXX ( he passed ) I was threatened to get out unless I paid this {$1000.00} and I have all the emails tell them where I was harassed, threatened to just leave. All because I was watching a dog for a couple of weeks. I was scared and felt unsafe. After the last threatening email I left. I never received OR SIGNED anything that showed this. I left the place spotless as well. This company is a fraud and have done this to many many people. Unless they can produce a signed dated notarized affidavit from me that I was made aware of what they are saying then by law this MUST be removed from my credit. I have all the emails saved tell them and I have an attorney. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I paid a mortgage on XX/XX/XXXX, I thought I score on Experian would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix.

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. XXXX score is almost 80 point lower than Experian and XXXX  because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.
Product: Student loan

I attended XXXX XXXX XXXX XX/XX/XXXX through XXXX. A for-profit school that is on the list of schools XXXX formerly XXXX XXXX when my school initiated my loans, is known for having deal with for preditory lending. After the XXXX settlement XXXX i learned that i would not recieve forgiveness of my private loans due to the fact i had been repaying them. In XXXX of XXXX i asked for help or information about having my loans forgiven or XXXX due to this misconduct from my school and the amount i have already paid XXXX over the last 15 years that exceeds the original borrowing amount of {$XXXX}. As of XXXX XXXX I have paid {$XXXX} in interest and my principal balance still increasing as I struggle to make the payments. On XX/XX/XXXX I read about and requested the School Misconduct Discharge application which I was told would either be sent to me or i would get a letter explaining why I would not qualify for the School Misconduct discharge and as of today XX/XX/XXXX I have heard nothing from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm telling you that account isn't mine that possible account that shows on my credit file. It isn't mine and I want someone to fix this. This isn't right
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting

I disputed a 30 day late pay on XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
Product: Credit reporting or other personal consumer reports

I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting Agency shall ( XXXX XXXX XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By clicking " Get Free Credit Report '' on the Transunion website, you are automatically signed up for a {$24.00} monthly subscription to their credit monitoring services. You are prompted to enter a credit card to verify your identity, and nowhere does it say that you are about to be charged an amount monthly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Federal Student Aid XXXX XXXX Transunion Subject : Urgent Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to officially dispute the inaccurate reporting related to my credit file and to demand immediate correction of this error. The account in question is [ Account Number ] with [ Creditor Name ]. It has been erroneously marked as a charge-off ( CO ) for collection, which is not only incorrect but also a violation of my rights as a consumer under the CARES Act.

As per the provisions of the CARES Act enacted in XX/XX/XXXX, creditors are prohibited from reporting negative information for accounts impacted by COVID-19, assuming previous good standing or deferred payment terms. My account was paid in full on XX/XX/XXXX and then returned by the Department of Treasure now was paid in full again on XX/XX/XXXX, and it is unacceptable that this inaccurate information has persisted in my credit report. 
Please note that I have attached relevant documentation evidencing my full payment, along with my account history, which clearly demonstrates that this account was never in default or delinquent. 
I demand that you conduct a thorough investigation into this matter and amend my credit report immediately to reflect the accurate status of my account. This misrepresentation is causing significant harm to my ability to obtain credit and is, therefore, urgent that this issue is resolved without delay. 
I expect a prompt response and resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond to me within 30 days. Please send me a written confirmation of the actions you are taking regarding this matter, as well as an updated copy of my credit report once the corrections are made. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Equifax on a collection account ( XXXX XXXX XXXX. ) with the incorrect balance and a status of open, the dispute was, the balance was originally {$840.00} and now its being reported as {$840.00} which is inaccurate, the account is closed And it is on my report as being open, this is also inaccurate, I have the right to fair and accurate credit reporting, the response I got back from Equifax was that it updated my information, but they did not change anything, I asked for this collection account to be deleted from my credit report due to inaccurate information.
Product: Credit card or prepaid card

On XX/XX/2020, I placed an online order with XXXX. I cancelled the order within minutes. I received an email confirming cancellation and it stated I was not charged, if any charges were made, contact my financial institution. On XX/XX/2020, American Express Serve processed the transaction and withdrew the funds. When I called to question it, I was told they would start the dispute process and I would hear back within 10 days. XX/XX/2020 I called for an update and was told I had to file the forms, which they then emailed to me and I completed and returned. XX/XX/XXXX, I received an email requesting proof of the transaction. I completed the form and sent a copy of the email cancellation. Again I was told 10-45 days to " investigate ''. 2 weeks pass, I called and was told they hadn't begun the investigation. As of today, XX/XX/2020, still no refund, no resolution and told it could take up to 45 days. I do not understand what needs to be investigated since AmEx processed the transaction after it was cancelled. I am beyond do frustrated with this company.
Product: Money transfers

On XXXX XXXX I used Western Union 's online services XXXX. On the web page this company offers a high level of security for all transactions, XXXX of them is that the receiver will got the XXXX XXXX Track number XXXX to receive the money. The problem was that I never give to him the XXXX number, but he just knowing my first and last-name, and knowing my phone number could call to Western U. to change, first the receiver name ( for this change I never received a change confirmation to my mail account, in addition he needed the amount and the date of the transfer so, how this was a trade transaction he already knows these details. So was very easy for him change the receiver name XXXX unbeknownst to me XXXX and then, I do n't know how he could ask for the XXXX to pick up the money the next day XXXX XXXX XXXX XXXX. the XXXX XXXX night I called to the phone number provide by the company XXXX call us toll free XXXX at XXXX ) to cancel the transfer but in that hotline they told me that I should call between certain hours ( so it 's not a XXXX line and also the one who told me that was a record not an agent ) then I tried by chat but also I could n't do it cause the agent told me that he could n't do it for this channel so he suggested me to call to the number above provide. 
Other of the Western Unions ; security rules is that you can not make any change if you do n't call from the phone number provided on the web page but the think that Western Union should know is that now exist different programs through you can make phonecalls without use the cellphone ( physically XXXX but if the phone number. 
Finally this guy stole my money unbeknownst to me because all these security fails of WU. I would like my money back WU does n't comply with all the things that they offer in their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX is in Violation of 15 U.S Code 1681 N ( B ) 15 U.S Code 1681 A ( 4 ) 15 U.S Code 1681 A ( E ) 15 U.S Code 1681 A ( G ) Fact, Affiant is aware and has proof in attachment labelled Exhibit A that Equifax is in violation of ( 1 ) Federally PROTECTED CONSUMER RIGHTS bill willfully and knowingly, So they are civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXXXXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXXXXXX XXXX, ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX Balance : {$120.00} ), XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

The lender failed to comply with Regulation X, 12 C.F.R. 1024.39 ( a ) by failing to make live contact with XXXX XXXX prior to referring his loan for foreclosure. It is further alleged that the lender failed to send the Post-Foreclosure Referral Notice required by Section 12 C.F.R. 1024.39 ( b ). - There were also no  notices received by XXXX XXXX stating that the BK he filed had been dismissed and a foreclosure sale was set on the property. We have requested the rescission of this foreclosure action and the review of a loan modification to take place based on an improper Foreclosure action that occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.