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

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX  of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Card Services Credit reporting dept Account Number : XXXX Im writing to ask again to look into the XX/XX/XXXX and XX/XX/XXXX missed payment that Target has reported to the credit bureaus. I am trying to apply for a home mortgage for my family of XXXX and it's come to my attention that Target still has not corrected these late payments. 

I understand my financial obligations, I have had this target card for several years as you can see and have never missed a payment so it was a shock to see these on my credit report. I spoke to a couple different Target Representatives over the phone which I'm sure you can pull the phone calls from XX/XX/XXXX through XX/XX/XXXX and I even have online messages speaking to representatives. They assured me if I paid more than the amount owed it would cover the NEXT monthly payment and that monthly payment would be XXXX. I also asked to change my due date to the XXXX on XX/XX/XXXX, target online messages stated they would change it to the XXXX of the month but yet it was never done so you reported XX/XX/XXXX as 30 days late when it was not. 

I know you have to report accuracy to the credit bureaus but these should not have been late especially when I was told if I made an extra payment or double payment in that month it would be applied to the following months. As you can clearly see on the attached document that I made a payment XX/XX/XXXX, you applied it to my XXXX payment and then I made another payment XX/XX/XXXX and you applied it to my XXXX payment coming up and I have a XXXX balance owed for XXXX. So this is true for the other months prior. So the XXXX late payment reporting is simply not true. 

Here is a break down of payments : XX/XX/XXXX - payment of {$210.00} for XXXX and XX/XX/XXXX ( XXXX was NOT 30 days late ) XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$80.00} for XXXX payment ( this payment was late but NOT 30 days late ) XX/XX/XXXX - payment of {$120.00} for XXXX payment XX/XX/XXXX - payment of {$400.00} for XXXX payment XXXX - XXXX balance owed XX/XX/XXXX - went ahead and paid an extra {$50.00} which Target applied to XXXX XXXX - XXXX balance owed XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XXXX - XXXX balance owed XX/XX/XXXX was not 30 days late because it was due XX/XX/XXXX and I paid it XX/XX/XXXX. 

Please fix these XXXX late payments to show not 30 days late, as you can clearly see I was told the extra payments would go into the next month AND I have proof as Target did just that.
Product: Credit reporting

I have tried SEVERAL Times, UNSUCCESSFULLY, to receive my FREE Credit Report from TransUnion! I have tried EVERY Avenue : Online, which resulted in me having to send in copies of Bill, ID, XXXX, as well as being directed to call and told in 2-3 weeks, it will be mailed. However, I have NEVER Received any copies of my report from them, even though I have complied with the necessary requests. I have received copies of my XXXX and XXXXn reports, but nothing from TransUnion. It is Pertinent that I get this report, especially since it is my right to XXXX annually. Furthermore, it has been more than TWO Years since I last received XXXX from TransUnion. I do n't know what else to do nor whom to speak to, as getting a " Live Person '' is a joke. 

This means appears to be my only option at this point. 

Thank you kindly
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

All i want is my life back chexsystems saying i do n't owe anyone then why I 'm i not able to open an account
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit card account has been closed due a bankruptcy placed on my account. My sister filed bankruptcy XX/XX/year> and her information has somehow landed on my credit report and this credit card account has been closed. 

I've contacted XXXX and spoken with them thrice. I do not feel competent that I'm being heard about the matter. No one will tell me which credit agency reported the bankruptcy so that I can speak with them nor will any of the credit agencies help me. 

I am not in bankruptcy, my sister is. My name is XXXX XXXX XXXX, her name is XXXX XXXX XXXX. Our social security numbers are identical save for the last two digits.

Please correct your bankruptcy department and restore my account.
Product: Student loan

I've asked Nelnet several times for my Master Promissory Note and they keep sending me everything but that. I've emailed and called with no avail. I just want them to show me my original loan amounts. I have a Joint Spousal Consolidation Loan with my XXXX XXXX ex-husband and I need to see how much I actually owe so that I can figure out a way to separate these loans to finally be free.
Product: Credit card or prepaid card

Hello there, I would like to dispute the following transactions from the merchant : XXXX. I have made several purchases from them back in XX/XX/2023, however only 1 of them have arrived at the intended destination. I was notified by USPS that the remaining packages had a invalid address and thus were undeliverable and the current whereabouts are unknown. I have tried contacting the merchant and they are refusing to give me a refund. 
Here are the following qwertyqop purchases that I would like to dispute : 1. Order # XXXX Item ( XXXX ) : - XXXX XXXX XXXX- PC Top  - XXXX XXXX XXXX- Wrist Rest ( Beige ) - XXXX XXXX XXXX- Hotswap ( XXXX ) XXXX  Purchase Amount : {$190.00} USD 2. Order # XXXX Item ( s ) : XXXX XXXX XXXX- Hotswap ( XXXX ) XXXX  ( ordered 2 of them ) Purchase Amount : {$120.00} USD 3. Order # XXXX Item ( s ) : - XXXX XXXX XXXX- XXXX Top - XXXX XXXX XXXX- Carbon Fiber Top Purchase Amount : {$73.00} USD I contacted my Chase bank to file a dispute with my credit card bank, however they denied my dispute.
Product: Credit reporting or other personal consumer reports

I am writing this letter to request the following information on my file be deleted. I sent a letter to XXXX on XX/XX/2023, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?
Product: Money transfer, virtual currency, or money service

Ive received the following email from someone impersonating PayPal service. 
The following was the message seeking my financial information to track and steal my money! 

Wallet address : XXXX You can track the progress of your shipment by visiting the PayPal website and entering your tracking number. Here is the link to track your package : tracking. 

If you have any questions or encounter any issues with tracking your package, please contact our customer service team at XXXX. 
Thank you once again for choosing PayPal. We appreciate your business and hope you enjoy your purchase! 

Appreciatively XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

back in 2006, I had a payday loan with Advance America it went to court in XX/XX/2006 and was decided and closed. Case number XXXXI am in the process of trying to get home and Advance America has continued to report to Indiana loan that I owe {$200.00} I contacted Advance America and they refuse to take it off stating they have no information this was discharged. And that the debt is still owed.
Product: Debt collection

I, XXXX XXXX, natural person and consumer have been the victim of identity theft. LVNV Funding obtained my information illegally from XXXX XXXX XXXX. There is no contract with my written signature on it that says I am obligated to pay LVNV Funding LLC. Under 15 USC 1692g ( FDCPA ), I have the right to request validation of the debt. Cease and desist and debt validation letters were mailed to LVNV Funding LLC on XX/XX/2021, by way of green return receipt. LVNV Funding LLC has failed to provide debt validation as of today, XX/XX/2021. LNVN Funding LLC is still reporting unverified information to the credit bureaus which constitutes fraud. LVNV Funding LLC has also violated the following codes shown in attached documents : 15 USC 1692b 15 USC 1692c ( b ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692b ( 5 ) 15 USC 1692e ( 14 ) 15 USC 1692e ( 11 )
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : Account Number : XXXX XXXX XXXX Date of Charge Off : XX/XX/2023 Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

The collector by the name of XXXX XXXX called me on XX/XX/XXXX at XXXX XXXX  letting me know that my balance with XXXX  XXXX has been sent to them for {$2100.00} she did not disclose any mini XXXX XXXX I asked her why I never received notification by mail from Southwest Recovery Services and she told me that they do not send out notices. She offered to email me the letter and I told her no but since I was driving I told her will call her back once I came to a safe place to stop. I did call her back on XX/XX/XXXX at XXXX XXXX  and advised her I will set up a payment plan for {$50.00} a month using my bank account and when I get more money I will pay more she refused to set up the payment plan and she demanded over {$100.00} a month I told her I have a XXXX XXXX XXXX XXXX  that Im also taking care off. She refused and said XXXX will get me fired and my XXXX will be revoked and she was very rude at the end of the call and she hung up I did try to reach out to her manager the information she gave me was XXXX XXXX XXXX. Called the number left a message requesting a call back on XX/XX/XXXX at XXXX XXXX. When she send me the mail the sender emailed was XXXX and name was XXXX XXXX. Today she called me same way no mini XXXX I adv her still waiting for her manager to return my call since she refused to accept to set up a payment plan of {$50.00} a month she got upset and said I will lose my XXXX license she was verbally abusive the first time I spoke to her and today when she called around XXXX XXXX  XX/XX/XXXX after she hung up I call her manager and left a detailed message with my case number a few minutes later she emailed me to say I refused to pay and will document the account as a refusal to pay and she demanded full payment via email by XX/XX/XXXX. Im so stressed about this cause Im not refusing to pay all I want is to set up a payment plan to pay this debt off just I do with my other bills but they making it so difficult to a point where Im getting a mental breakdown.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires were done fradulently without my approval. I did not sign anything to allow these hard inquries to be ran and I want them removed from my credit report ASAP : XX/XX/XXXX - Experian XXXX XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - Experian XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Include personal statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws in the handling of my credit report. These issues include : Willful Noncompliance : Entities reported inaccurate credit information about me without verifying its accuracy, in violation of FCRA Section 616. This willful noncompliance subjects them to civil liability. 

Failure to Disclose Opt-Out Rights : My personal information was shared without giving me the opportunity to opt out, violating FCRA Section 603 ( d ) ( 2 ) ( A ). 

Furnishing Deceptive Information : Inquiries and accounts were reported inaccurately and without proper validation, breaching FCRA Section 623 ( a ) ( 3 ).

Harassment by Debt Collectors : Debt collectors reported false debts without my consent, engaged in unfair practices, and disclosed debt information to third parties, violating the Debt Collection Practices Act.

Deceptive Late Payment Reporting : Late payments were reported inaccurately, with no clear definition of what constituted a late payment, leading to misleading and false entries on my credit report. 

Errors in Finance Charges : Entities failed to accurately determine and report finance charges, resulting in further errors on my credit report. 

Unauthorized Credit Report Access : My credit report was accessed and used without my written consent, which violates FCRA Section 1681b ( a ) ( 2 ).

In addition to these violations, I have disputes regarding specific accounts and hard inquiries on my credit report. For each account, Ive requested debt validation under 15 U.S. Code 1692g, including documentation such as the original application or contract bearing my signature and proof of the debt collectors authority to collect. For hard inquiries made without my consent, Ive demanded their immediate deletion, citing FCRA Section 1681b ( a ) ( 2 ). 

These violations have caused me unnecessary distress and have tarnished my credit report with inaccurate and misleading information. I expect the responsible parties to take immediate action to address these issues by validating or removing the disputed items and correcting my credit report. If these matters are not resolved promptly, I am prepared to pursue all available legal remedies under the FCRA and related laws.
Product: Mortgage

My husband and I have been trying to work with Vanderbilt for over a year to modify our home loan and they refuse to work with us. ( Loan # XXXX ) We fell behind on our mortgage in XX/XX/XXXX because my husband lost his job. Since then I 've been trying to work with and negotiate with Vanderbilt to try and bring my loan back to current. I was told that they would bring my interest rate as low as 5 % with a modification, only to be told later on that was impossible. Also, their website states that they do have programs available to help homeowners keep their homes and that homeowners will be reviewed for a modification after one year has passed since a modification was done, but I have not found any assistance with a modification review. I sent in countless documents and forms to prove my income just to be told I would not even be reviewed. 
I feel that we are being discriminated against by Vanderbilt and they are foreclosing on us illegally. They have been unable to give us a valid reason why they will not even review us for a modification. I spoke with Supervisor XXXX XXXX on XX/XX/XXXX to try to understand why they would not give us a review for a loan modification. I can only assume that XXXX XXXX has a personal issue with my husband and I and seems to have the final say in any decision made on our loan, demanding that we pay {$8400.00} ( half of the past due amount ) right away and not a penny less. I even scraped and borrowed and was able to get {$5000.00} together, but XXXX XXXX refused it. The representatives at Vanderbilt are not interested in helping borrowers as they claim to be. As if this was not enough, while in the middle of this process they put a sale date on my home for 2 months away! 
Also, during this conversation with XXXX XXXX, he said " We wo n't review you for a modification because we already said no. '' and that if I was unable to make my mortgage payments I " should n't have eaten, which is Vanderbilt 's policy. '' It seems that the future of my home depends solely on this XXXX individual. I asked XXXX XXXX why I could n't be reviewed for a loan modification to which he replied " I do n't have to tell you. '' I even told XXXX XXXX that my household income had changed, which is grounds for a new review and he replied that they do n't care and would rather just foreclose. The representatives at Vanderbilt are inconsistent and incompetent. XXXX XXXX has no reason to deny my husband and I for a modification review, other than having a personal issue with us. My husband and I are being discriminated against by this ruthless company, as they will not give us even a fighting chance to save our home or even a valid reason for their actions.
Product: Debt collection

THIS DEBT WAS OBTAINED FRAUDALENTLY, I NEVER DID BUSINESS WITH THIS COMPANY.
Product: Debt collection

I just was aware today XXXX  XX/XX/XXXX after being denied for an apartment that I was denied because of a collection. When I went to check my credit report it states that I have a collection of {$1000.00} for L.J. ROSS, XXXX XXXX account that was opened XX/XX/XXXX. Ive never had a XXXX XXXX account. Ive stayed with my parents at my current address XXXX s. XXXX XXXX well over 2 years, I dont have, nor do I need a XXXX XXXX  account.
Product: Debt collection

Company involved : XXXX XXXX, XXXX, XXXX XXXX XXXX Dates : XX/XX/2022 - XX/XX/2022 Amount : {$6300.00}. 

Apartment is currently being sued for breach of contract by over XXXX tenants. Case number is logged and case is pending trial with XXXX. 

Land lord had multiple health code violations and failed to remediate, law suit takes note of this. Land lord attempted to collect an amount for rent which was not agreed to in the leasing contract. Multiple notices were given that this amount is incorrect. Land lord sent the amount XXXX XXXX. They have reported the incorrect amount to the credit agencies which has damaged my score. 

The Land lord is not owed anything as they were in breach of contract and the amount they are attempting to collect is wholly wrong.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on FIRST FEDERAL CREDIT C XXXX Balance {$2100.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.