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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX, XXXX has been trying to dispute these alleged account on my consumer report for months now and all ive been getting back is to verify dispute. ive sent all the required documents for these accounts to be blocked and remove required by law pursuant to 15 usc 1681 ( a ) ( 2 ). Transunion is a An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Pursuant to the definition section in the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from the consumer report. FCRA 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. These violations can result is a fine for violating my consumer rights law. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance your liable for up to {$1000.00} Each violation you committed. Also pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports I didn't give anyone permission to furnish my consumer report. The court didn't give you or the furnish the authority to furnish my consumer report. I the consumer didn't give you written instructions to furnish my consumer report if so provide the Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records.
Product: Credit reporting or other personal consumer reports

By the law of FCRA 15 U.S.C & 1681 Experian, XXXX and XXXX are reporting inquiries that is not accurate and the following inquiries that should not be allowed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea what caused it. I checked my credit report as usual, but this time, there were unexpected discrepancies. I thought it might be a browser malfunction and refreshed it, but the errors remained. Because of this, I'm asking for a meticulous review of the documents I've provided to prevent this from happening again.
Product: Debt collection

Received a Notice of Collection from XXXX XXXX XXXX to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX  and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up XXXX XXXX XXXX and they have many complaints on the XXXX  as well.
Product: Credit reporting or other personal consumer reports

I paid this off on XX/XX/XXXX I had paid for deletion. They told me they were going to remove it and reverse it after their payment. They lied to me theyre very untrue for they never ever updated my payment I made on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXI mailed a certified dispute letter to AR RESOURCES INC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 150 complaints on XXXX they also have many complaints with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a representative that informed me on how to have my account put into deferment status. She walked me through the steps and told me that it was completed. Months later I received an email stating that my account was pass due, I then called into to the company again and spoke with another representative that reviewed all of the notes and informed me that all of the late payments would be removed due to their mistake but its still on my credit report.
Product: Student loan

I have been on an Income Base Student Loan Repayment for 11 years now. I applied around XX/XX/XXXX for the Public Service Loan Forgiveness plan the government has so my student loan servicing company switched from XXXX to fedloan. Final XX/XX/XXXX I called fedloan find out the status because I only have to make 120 qualifying loan payments for the loan to be forgiven and I have made them. after speaking to a fedloan representative ( id # XXXX ) he informed me that the records show I have only made 1 payment out of the 120. He stated that I have been on a different payment plan, I told him thats not true because I fill out the information every year to re-qualify and it says IBSLR plan. The representative told me unless I could show proof for the last 11 years there was nothing he could do. I told him I wanted to file a complaint and wanted an investigation started, he said with no evidence he would not do that. I told him I wanted to speak to a supervisor, he ask why I told him to file a complaint against him for not doing his job, he laughed and said give him a minute. He then came back and said he was able to see in XX/XX/XXXX a letter sent out saying it was time to renew the income base plan, I told him I still wanted to speak with a supervisor so he transferred me. Supervisor ( id # XXXX ) answered I explained all to her then she says noting they can do I would have to pay for another 10 years before I would be eligible. We went back and forth I told her the other guy found a XX/XX/XXXX document she said she could not find it and could not contact the other representative about it I was just out of luck. I told her I wanted to file a complaint and investigation she said I could not do that. I stated I would be calling the Department of Education to file a complaint against her. After back and forth she finally told me she would start an investigation even though she just said I cant do that. She then told me to investigate they would have to go thru 11 years of paperwork XXXX sent them to make an assessment of how many payments I have made that qualifies for the Public Service Loan Forgiveness plan and it will take 6 months to a year to complete. I told her that is unacceptable and she said that is the way it will be that I can just continue to make the payments because ( she said in a different tone of voice ) I am not eligible for the PUBLIC SERVICE LOAN FORGIVENESS. In my opinion fedloan is discriminating against XXXX XXXX workers. I have already meet the 120 payment requirement and submitted all paperwork to be eligible. Please help with this incident. 

Thank you,
Product: Debt collection

My Homeowners Association placed me collections for {$930.00}, for the year XXXX and XXXX. The collection agency Dunlap and Gardiner sent me a demand letter dated XX/XX/XXXX. The letter details {$33.00} interest, {$900.00} HOA Fees, and {$100.00} attorney fees. On XX/XX/XXXX, I paid the HOA {$930.00}. The money ordered was delivered to the HOA office via XXXX, and signed for. I forwarded a copy of money order and receipt to the collection agency via XXXX XXXX Mail. On XX/XX/XXXX, rep XXXX XXXX at the collection agency advised me the balance of {$1000.00} is outstanding. She advised that the account shows outstanding. I requested an updated letter reflecting that payment has gone up {$100.00} since the last letter I received on XX/XX/XXXX. The agency is refusing to send me an updated letter and referred me to go on HOA website. I stated I would give them a call and XXXX XXXX stated they may refuse to speak with me. The agency is legally obligated to provide me with a demand letter showing the amount I owe via US Postal mail and is refusing to do so. I paid the initial demand letter. If the amount has changed a new detailed demand letter needs to be issued.
Product: Student loan

I realized that during the transfer from Mohela to the new servicer, I was put into an administrative forbearance I didnt ask for, had to manually turn back on auto pay, and have a several XXXX dollar principle increase due to capitalized interest. This feels insane and I want my old balance back.
Product: Vehicle loan or lease

Purchased a motorcycle from someone who had a lien through Roadrunner. Nightmare process as multiple people told us wrong information ie. where to send the check, who to make the check out too. We sent the check on XX/XX/XXXX. They noted the check was written wrong ( despite the name being what they told us to write ) and after lengthy conversation, they dodged questions and noted all of their administrators were in meetings on XXXX separate occasions. They stated they sent the check back XX/XX/XXXX. When I didn't receive the check, I contacted them again on XX/XX/XXXX and was told the check was never mailed. I voided such check immediately after receiving it and called to verify the name to put on the check. I was told a different name and different mailing address completely and at one point told I wasn't allowed to pay it. Eventually someone said I was allowed to pay it but interest had accrued. I tried multiple times to discuss that the daily interest fee should be waived for the past XXXX weeks given that it was their fault for providing us inaccurate information and then withholding my check thereafter despite telling us multiple times they mailed it to me. This has delayed me in obtaining a title for > 2 weeks and at this point has also led the buyer to not have possession of his vehicle while still owning on the vehicle. 

XXXX was the check I was sending them, the amount has mildly increased to XXXX due to daily interest. Given this increase, I called multiple times for the amount to be brought back to the previous amount given the issue was with them. They refused on multiple occasions and refused to have an administrator speak with me. I was told an admin member would call which they never did. Given the delays, I am currently mailing a check for XXXX and expect to be contacted with resolution and refund of the difference along with release of the lien on the title after the payment is cashed immediately.
Product: Credit card

There was a fraudulent charge on my credit card account. On XX/XX/year>2024, an unauthorized transaction of {$1600.00} appeared on my statement, which I did not make. This charge is not only unrecognized but is also inconsistent with my typical purchasing behavior. 

I first noticed this unauthorized charge after I made a legitimate purchase at XXXX XXXX XXXX, while I was in XXXX, XXXX. Oddly, both transitions happened around the same time. After reviewing my transaction history, I can confidently state that I did not make the charge in question, nor did I authorize anyone else to do so. 

For clarity, the details of the disputed transaction are as follows : -Date of Transaction : XX/XX/scrub> 2024 - Amount : {$1600.00} -Time : XXXX -Merchant Name- Unknown Direct express didnt properly investigate this matter and remove the fraudulent charge from my account. I have taken all necessary precautions on my end, including changing my account passwords and reviewing my card 's activity regularly, and I believe this transaction was made by an unauthorized party.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXX XXXX : XXXX -- -> : {$18000.00} XXXX XXXX  : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters and complaints through this portal to have XXXX and Equifax to remove a bankruptcy off of my credit report immediately due to this letter and the law under the FCRA. 

In this recent letter that I obtained from the US Bankruptcy Court in Michigan states the following : they DO NOT report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA DOES NOT REQUIRE that a bankruptcy remains on your credit report a full decade. 

2. " Up to '' - Again, 10 years is NOT A LEGAL MINIMUM '', it is the MAXIMUM. So, legally, bankruptcy can be removed from a credit report before that limit is reached. As I expressed before I am attempting to apply for a mortgage and this is having an impact on obtaining a fair interest rate. 

XXXX. XXXX  and XXXX  have both removed this several months ago upon request. 

XXXX provides a phone number to call to discuss this matter and when you call them you get a recording and that no one is available and to leave your information and they will call you back..TOTALLY XXXX! I have left 5 messages and they NEVER call back! Their customer service is horrible as is Equifax which basically is the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy at about the same time as my girlfriend and a few other people I know. They chose to pay the Extortion fees Experian charges every month. It has been almost 5 years and they all have XXXX or higher scores, while mine remains at XXXX. I have argued with Experian several times this is nothing more than extortion. I have 6 credit cards, all paid ahead of time, never late, and Always Way more than the minimum. My girlfriend has 4 cards, only pays the minimum, and pays on the day they are due. Yet because she pays the Extortion fees Experian charges, her score continues to increase and mine goes up then down for No reason whatsoever! This is like Blacklisting or Blackmailing at its best! How do they get away with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this information reporting a few different time this year pursuant to 15 USC 1681 ( A ) ( 2 ) a consumer report DOES NOT INCLUDE ANY Transactions or Experiences between the consumer and person making the report REGIONAL ACCEPTANCE is reporting Transactions and Experiences this is a violation of 15 USC 1681 Also REGIONAL ACCEPTANCE is in violation of XXXX XXXX XXXX ACT 15 USC 6802 ( 2 ) ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX ....
Product: Credit card or prepaid card

I was approved for a credit card with promotion but not knowingly denied promotion. At no time during the application or approval process I was informed I would not receive the promotion. I tried to proactively inquire when I was notified I was approved but the representative stated she did not have that information and would be available when I got the card. Needless to say I have no use for a new credit card with 15.99 % interest. I would have declined.
Product: Credit card

JP Morgan Chase XXXX XXXX XXXX XXXX, DE XXXX To : CFO/CEO/LEGAL DEPARTMENT , Formal Notice of Liability, Violation of 12 U.S.C. 411, 412, G.A.A.P., Equal Credit Opportunity Act, and Opportunity to Cure This correspondence is a Formal Notice of Liability and legal demand to JP Morgan Chase on behalf of XXXX XXXX XXXX XXXX XXXX regarding violations of federal law and ethical business standards related to the denial of credit on XX/XX/year>. 

JP Morgan Chase has engaged in actions that contravene : - 12 U.S.C. 411 and 412 : These statutes govern the equitable provision of money and credit by financial institutions. Your denial of credit, without justification or transparency, constitutes a failure to comply with these provisions, directly infringing on my consumer right to fair access. 
- Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) : This act mandates that no individual be denied access to credit based on discriminatory factors. Your actions appear to violate these provisions, resulting in an unlawful denial of credit to me. 
- G.A.A.P. : As a financial institution, JP Morgan Chase is bound by G.A.A.P., which requires transparency and fairness in decision-making. Your failure to adhere to these principles constitutes not only a legal violation but also a breach of trust with the public. 
- XXXX XXXX ( XXXX XXXX ) : The moral standards embedded in law require fairness and impartiality in financial dealings. Your institutions disregard for these principles further amplifies your liability. 

This letter provides an opportunity to cure these breaches by reconsidering the denied credit application and granting an appropriate line of credit, reflective of my financial standing, within 14 days from receipt of this letter. Failure to act will result in the filing of formal complaints with federal regulatory bodies, as well as the initiation of legal proceedings for damages, including but not limited to, compensation for lost financial opportunities, emotional distress, and punitive damages. 

JP Morgan Chases conduct has caused significant and demonstrable harm to me. I reserve the right to demand full compensation for this harm, seek injunctive relief, and pursue a court order mandating corrective actions. Further, should this issue proceed to litigation, I will aggressively seek discovery of internal communications and records to demonstrate a pattern of discriminatory or unlawful conduct. 

Please consider this notice your final opportunity to address these violations and mitigate the financial and reputational risks that could arise from your failure to act. 

Sincerely, /s/ XXXX XXXX XXXX XXXXXXXX XXXX 
President/ Trustee/Non-Decedent
Product: Mortgage

This is the fifth time this year I have submitted a request for them to fix the incorrect amount that they continue to report to the credit bureau. The first three times, the fixed the issue though the fourth time they did not and once again this month they reported the incorrect loan balance due.
Product: Credit reporting or other personal consumer reports

In XXXX I cosigned two XXXX student loans for my granddaughter ONLY on the condition that the loan but deferred until her graduation year. which would have been XXXX. Which we both agreed would be the best option as she and I are low-income. Unfortunately, she had to drop out due to unprecedented circumstances during covid therefore the full amount she was approved for was not disbursed to the college. However, we did not receive an updated approval disclosure for either the loan of the adjusted amount owed or the adjusted Estimated Repayment Schedule and terms. Only notice stating that XXXX 's loans would go into repayment that same year. Nevertheless, from what I read from the Promissory note and Application I read, I ONLY gave the company ( XXXX XXXX Loans ) my permission to pull my credit to check my credibility and financial credit history. However, recently it has come to my attention that all XXXX credit bureaus ( XXXX, Equifax, and XXXX ) have been entering lots of inaccurate and false information including late payments pertaining to those loans on my credit report with my written consent. This violates USC Code 15 U.S.C 1682 a.1.a AND 15 U.S.C 1681 ( B ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance Owed : {$40.00} I believe the information being reported to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiries that wasn't authorized i have notified credit bureaus, but they won't remove. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX my identity was compromised. i filed a police report. 



XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX