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

On today 's date XXXX XXXX 2021 Wells Fargo Credit falsely reported that I was 30 days late. In which I was only {$12.00} short on 12 of the month of XXXX. The first problem the don't have a 30 day bill cycle they have a 28 day cycle. The late charge jumped from {$12.00} to {$140.00} from the 12 to 21 is on 10 day not 30. They went back took out money paid in XXXX and XXXX and wanted it on the XXXX XXXX 2021. I went in to complain in their system they remove/stop my option to complain tab away. Now I can only inquire not complain. 
1. False 30 days late hitting my Credit reports 2. Removed my ability to complain from their website 3. Terms tossed around Delinquent and bring current on 10 days not 30.
Product: Credit reporting

The issues I have with Equifax and XXXX is that they failed to properly investigate an account that is on my file ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Department of ED, XXXX XXXX XXXX ). I was told by a representative that they do not have to follow the law and had no resolution to these fraudulent accounts. I asked for copies of the documents they used to verify these fraudulent accounts but to no avail. They refuse to obey the law.
Product: Credit reporting or other personal consumer reports

The law states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am a victim of identity theft. Theres no way a charge off account can be my account if I was XXXX  when this account was obtained in my name. Remove these fraudulent accounts immediately or I will proceed to pursue legal actions against the company reporting.
Product: Credit reporting or other personal consumer reports

I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.
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 2 out of 3 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. Please see the attached file for what I am complaining about and take immediate actions
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of the charge-off account reported by XXXX XXXX XXXX XXXX credit reports with XXXX, Experian, and XXXX. This account is reported with a balance of {$1600.00}, a credit limit of {$2000.00}, and an open date of XX/XX/XXXX. It also reflects a closed date of XX/XX/XXXX, a current status of " Charge-off, '' and remarks stating " Profit and loss write-off. '' Additionally, the account indicates a past due amount of {$1600.00}, with the worst payment status reported as XXXX days late, and payment history showing 43 % of payments made on time. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy, validity, and completeness of this account. I demand that XXXX XXXX provide a copy of the original signed contract containing my full signature and Social Security number to validate this alleged debt. Furthermore, I challenge the accuracy of all account details, including the balance, date opened, date closed, charge-off status, amount past due, credit limit, and payment history. Without adequate documentation to verify these details, this account must be deemed unverifiable and removed from my credit report. The reporting of this account also violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of information. The discrepancies in the reported data and the failure to provide substantiating documentation demonstrate clear violations of my rights under the FCRA. As such, I request the immediate removal and deletion of this account from my credit reports. Failure to resolve this matter XXXX result in further action to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEE ON MY CREDIT REPORT THERE ARE SOME fraudulent INQUIRES, I HAVE CONTACT THE POLICE ABOUT MY IDENTY BEING STOLEN AND CONTINUES BEING USED SINCE XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open 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 things 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 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  account XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX XXXX account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT #, XXXX XXXX XXXX XXXX ACCOUNT #, XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, has violated my rights.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This Student Loan originated in the summer of XX/XX/year> with XXXX XXXX XXXX, in XXXX XXXX, Louisiana as the receiving School for this Student Loan. XXXX was the original servicer - XXXX is currently handling this XXXX XXXX as the Guarantor. I attended roughly, 4-6 weeks of class. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/year>. I could not continue my education- ALL schools and the City was closed INDEFINITELY. I was dislocated/relocated to XXXX, TX, then to California by XXXX. I have my XXXX XXXX XXXX record ATTACHED. There is NO Student Loan listed at XXXX XXXX XXXX in my Name, nor, are there any DISBURSEMENT records of ANY Financial Student Aid given to me. I have been disputing this erroneous Student Loan for 20 years. My Student Financial Aid Record PROVES, without a DOUBT, I did NOT RECEIVE any Student Loans in the Summer of XXXX. XXXX XXXX XXXX has NO record of any Student Loans in my NAME.
Product: Mortgage

Dear Staff, Greetings and thank you for your service. This transmission is to report that the original complaint # XXXX was not resolved. The issue and problems from the original complaint is way beyond the {$22.00} late fee indicated. To recap, in the fall of XXXX, Ditech Corp. indicated there was a {$900.00} shortage in the escrow account connected to my mortgage. This caused an increase in the mortgage payments from {$1000.00} to the tune of {$1100.00}. Ditech Corp. paid {$4900.00} in property taxes to the municipality erroneously, when the correct amount was under {$3300.00}. Subsequent communications with the company, by phone and in writing revealed that the company was not applying entire mortgage payments to the account ; between {$790.00} and {$930.00} was, and is, still being held in abeyance by the company. The company continues to send me default notices and invoices demanding amounts of {$250.00} and over {$2000.00}. The most recent communication from the company is a new escrow statement dated XXXX/XXXX/XXXX demanding more money due to a shortage in the escrow account of over {$900.00}. The new monthly payment is projected to be {$1100.00}. Please note, no mortgage payments have ever been missed. All payments have been made in accordance with the terms of my grant from the State of Michigan Step Forward program. I do n't owe any extra money. My property taxes, nor hazard insurance, has increased. The original error from the winter was never corrected. My monthly mortgage payments are still being split between payments. Invoices issued by Ditech to me indicate I 've missed two monthly mortgage payments when this is not true. Unsolicited loan modification papers and threatening letters continue.
Product: Other financial service

I was pointed towards XXXX XXXX by my Bank XXXX to get a credit card terminal for my small business. A representative from XXXX XXXX, named XXXX, got in contact with me and I asked her about all the costs and fees associated with the terminal, she told me there would only be a monthly payment of {$25.00} and two percentages that would be charged with each transaction ( one percentage is for tickets under {$500.00} while the other is for tickets over {$500.00} ). I asked repeatedly to make sure there was nothing else, now I get a bill saying monthly payments are higher than I was told and other charges that are undisclosed with no explanation anywhere on the bill for. I 'm also being told, after paperwork is done, that there is also mandatory insurance I must pay monthly on the terminal, I was not informed of this when I asked about the costs and fees. Not only that, but merchant services has now charged my bank account repeatedly in the XXXX week of XXXX resulting in overdraft fees that amount to {$160.00}. They charged me XXXX times on one day, XXXX XXXX, resulting in nearly {$100.00} in bank fees in just XXXX day. I was not informed when I was signing a contract, I was told it was just a paper confirming the information I had previously submitted about my bank account and business ID, and I was rushed through signing it over the phone. I was told I needed to sign the paper to get to the next step, the customer rep helping me was not honest and did not inform me of what the paper really was. After she had me sign it she hung up and I was left very confused. She also did not inform me that the lease term would be for XXXX months. She did not mention anything about a lease. I am very upset. They want to charge me over {$1000.00} to cancel the lease which was agreed to by manipulation by their customer service. This is not right, my small business was taken advantage of, I was taken advantage of. Please help me resolve this.
Product: Debt collection

I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX reported as negative credit in XXXX and Sold it to National Credit Services, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees
Product: Credit reporting

THIS IN REGARDS TO A COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS XXXX XXXX # XXXX for the amount of {$620.00} that has been disputed in the pass ... the experian did not properly verify this account ... .due to the fact that the company itself has no imformation regarding this account accept the original creditor. when i disputed the validity of the debt .... experian will not inform me of their verification methods .... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that you closed my complaints # XXXX, XXXX, and XXXX last XX/XX/22 when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$930.00} ; XXXX XXXX XXXX : {$28000.00}
Product: Credit reporting or other personal consumer reports

Transunion has removed two my education loans that was paid off and closed well over 19 years then later placed them back onto my credit report with different account numbers. This is an ongoing situation with Transunion, the first is an education loan from XXXX XXXX servicing, amount {$4000.00} is closed and 19 years old, the second account is XXXX XXXX XXXX Status 19yrs 9mosAge of Account Amount {$4000.00} They have failed to remove from my Transunion credit report
Product: Credit card or prepaid card

First National Bank Of Omaha mis applied a {$6000.00} payment on XXXX that was applied to low interest balance instead of towards purchases that accrued on XXXX of {$16000.00} This reduced the balance of low interest portion owned instead of reducing high interest purchase portion
Product: Debt collection

My car insurance was canceled. I told XXXX XXXX I was going with another insurance company and they stated I still owed the money. I told them I didnt owe the money when my insurance got canceled. They tried to force me to keep my car insurance with them. They turned it over to a collection agency who now put it on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to help my daughter finance something for her school, but found out I had a bankruptcy of my credit report. I did not recognize - and CRA said some company called LexisNexis told them it was accurate. I sent this strange company a letter and disputed it - it has been over 30 days and according to what I read on FTC website they have 30 days to respond or the information has to be removed. They never responded to my request.
Product: Credit reporting or other personal consumer reports

I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued
Product: Credit reporting or other personal consumer reports

Ive Recently Checked My Credit Report And Noticed Some Unauthorized Inquiries
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX this has XXXX XXXX XXXX XXXXXXXX XXXX and financial hardship.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 




Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus ( XXXX, XXXX and TransUnion ) have reported a XXXX XXXXXXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is not mine.