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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ) and a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This was taken care of. 
Opened XX/XX/17 Paid as agreed This as been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 UCS 1681 SECTION 602 states, I XXXX XXXX, have a basic right of citizenship secured by the Privileges and Immunities Clause of the Fourteenth Amendment to the United States Constitution and she is a protected member of the XXXX XXXX and XXXX XXXX, who enjoys the status of being a freeman, which implies that her non-trivial and protected liberty interests and rights which she has a legitimate claim of entitlement to are recognized, therefore, she retains, invokes and demands enforcement of her federal and statutory constitutional rights ), particularly her Right to Privacy, Right to Due Process and Right to Equal Protection of the Law. She alleges that each and every entity, company, corporation, organization or establishment listed on her credit report have XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd, and violated her Right to Privacy ( the Constitution of the State of Florida, Article 1 Section 23 ) which is protected in the Fourth Amendment to the United States Constitution, the Right to Due Process ( the Constitution of the State of Florida, Article 1 Section 9 ) and the Right to Equal Protection of the Law ( the Constitution of the State of Florida, Article 1 Section 2 ) and they're both protected in the Fourteenth Amendment to the United States Constitution as well as vested and protected non-trivial liberty interests in freedom from bodily injury ( including shock, fright, mental anguish, and humiliation which were clearly established or securely set and easily recognizable at the time of the incidents that any reasonably objective person of ordinary prudence, care, and caution would have known.

15 USC 1681 Section 606 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions '', and I have never willingly, knowingly, and voluntarily provided any entity, company, corporation, organization or establishment with the required or necessary documentation giving any kind of instruction or contains my authorization and approval.

Furthermore, for accounts pertaining to credit cards 15 USC 1666B states, " A Creditor may not treat a credit card account under an opened consumer credit plan as late for that purpose. ''
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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, 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 or other personal consumer reports

My account with those creditos was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a inaccurate last payment for a charged off account for XXXX  it is showing last payment was XXXX XXXX and for TransUnion it is showing last payment date XXXX XXXX Please verify and delete all inaccurate accounts
Product: Prepaid card

I have not received my payroll deposit. Just add me to the list of people that are waiting for their money
Product: Debt collection

Paid the account with Trident Asset Management and was advised it would be removed. The account was only updated. Reached out to the company to resolve and they updated the comments only. Account is paid however its still showing as a active credit account with the credit agencies.
Product: Money transfer, virtual currency, or money service

I have had multiple issues with cash app to include my account being locked up and unable to access the account. I tried for years to resolve but was not successful in reaching anyone to resolve the issues. Money was withdrawn out of my account and unable to use banking or balance in XXXX. 

I was forced to stop using cash app due to inability to resolve or get to speak with a representative for cash app.
Product: Checking or savings account

I opened an business checking account with US Bank on XX/XX/2023 and deposited {$16000.00}. They closed my account with my authorization on XX/XX/2023 and will not return my money back to me. I reached out to US Bank ( XXXX ) and asked to return the {$16000.00} back to me. US Bank asked me for copies of my drivers license verify my address ( front/back ), social security card ( front/back ) and two billing statements from the XXXX XXXX  ( XXXX XXXX XXXX  XXXX that I initially requested to transfer the funds to US Bank. Even with providing all the necessary documents they requested, US Bank is still refusing to return the {$16000.00} back to me. 

I've sought help from my original bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that facilitated the transfer ; they reached out to US Bank on my behalf and asked them to return my money back to me. US Bank still has not even responded back to them to acknowledge they are even looking into it.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and the certified mail receipt. Here is the XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : these are unauthorized unknown and unrecognizable Name of Inquiring Companys : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I Was charged XXXX XXXX  from a fraudulent transaction and others i reported to the Company i have the credit card with Neu Credit Card. I had to deal with them this fraudulent transactions that kept happening I don't know if i someone got my credit card from a website i used or what. all i know is that the company kept allowing charges to go through even on the old card number I had them replace and get me a new one more than 3 times and I kept calling them and letting them know there the only credit card company that allows old card numbers to continue trying use the same card being used and they still had access to the account because no matter how many times i got a new card they could still try to make a transactions and use the card even after calling them up every time they tried and tried and on there website or app it says cards can still be used for future purchases from old cards this credit card company is the only company that will be able to still use old cards to make transactions on the account i kept changing my passwords and emails for the account thinking they have access to my account and them writing in the dispute about there dissension they said they concluded that it's family transactions from someone in my family and that the card isn't lost or stolen and it's in my possession when I tried to explain to them it could of been hacked by a website i used to make a purchase. And I didn't want this to happen of course not but how can they sit there and say it's from a family member and that i never reported the card or replaced it. I must have replace it about 7 times maybe more on my own thinking they could still have access to my account it's so hard to have this company make this dissension and sit there and be so crazy with the funds and me calling them up every time saying how can they keep using my account and i not knowing what to do. I thought they would understand but no they don't I closed my account because there company is so got me feed up with how they are able to use a old card number to make future purchases when the card is closed and not able to stop them from trying to make fraudulent purchases they must of tried and got a total of 4 transactions out of me another amount was for XXXX XXXX and another was for XXXX XXXX  and they made a few more that were over my account balance so it didn't go through but they didn't stop trying though. I kept calling them and saying how can they still use my old card when i keep changing my information and card number. There telling me now after i emailed them again stating more facts on there decision that its final unless i can provide them with more facts which I can't see what else to do.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. Please have this account updated : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XXXX a hard inquiry was pulled from my credit report without my knowledge affecting my credit score. I would like to have this removed or resolved if possible. This was possibly done from an online credit company doing a pull of my score without my permission.
Product: Mortgage

Good afternoon, I find that my elected mortgage broker, Apex Mortgage is asking for too much information in order to permit closing on a refinance loan. In addition to the normal loan documentation, I have also been asked to provide XXXX months of bank statements, and allow for the deed to be transferred into my personal name from a business name before closing could be completed. Both of these conditions, I find to be uniquely, unusual and very specific requests that are delaying the process. While I have no definitive proof of discrimination, I believe there are ulterior motives than to determine my credit worthiness for this loan. A simple loan declination letter with valid justification would have sufficed. I appreciate your consideration of this complaint and please fee free to request additional details as necessary. 


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

Hard credit inquiry to my account without any open accounts or any applications to my name initiated by me for credit by XXXX XXXX XXXXMade within past XXXX mo. 2021 ( might have been XXXX, I cant remember ). Hard inquiry impacting my credit score.
Product: Credit reporting or other personal consumer reports

CEASE & DESIST FROM REPORTING IMMEDIATEDLY TO MY CONSUMER REPORTS XXXX EQUIFAX XXXX, I HAVE NO KNOWLEDGE OF THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I NOT LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED NUMEROUS PHONE CALLS FROM COLLECTIONS AGENCIES ABOUT ACCOUNTS I HAVE NO IDEA ABOUT. I EXPLAINED TO THE INDIVIDUALS I SPOKE THAT THESE ACCOUNTS DID NOT BELONG TO ME AS I HAVE NEVER RECEIVED OR SEEKED ANY FORM OF SERVICES FROM THE COMPANIES THEY'RE TALKING ABOUT. I WAS ADVISED TO FILE AN IDENTITY THEFT REPORT WITH MY POLICE DEPARTMENT. I DOWNLOADED A COPY OF MY CREDIT REPORT FROM XXXX AND FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I WAS ADVISED TO ALSO FILE AN FTC REPORT AND TO CONTACT THE CREDIT BUREAUS AND INFORM THEM THAT I AM A VICTIM OF IDENTITY THEFT. I AM VERY CAREFUL WITH MY INFORMATION AND I AM VERY SHOCKED SOMEONE COULD DO THIS TO ME. I HAVE NO IDEA WHO USED MY PERSONAL INFORMATION AND I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND I AM TRYING TO RESTORE MY IDENTITY AND PREVENT THIS FROM EVER HAPPENING AGAIN. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX OK XXXX XX/XX/XXXX XXXX XXXX   XXXX / XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX / XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX01 XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Card with XXXX XXXX. 
Perfect payment record until I was victim of business fraud. 
I missed about 7 payments in a row and my debt was given to XXXX XXXX who contacted me. After describing my situation an agreement was made to make {$50.00} payments monthly until debt on card was paid with no interest added. We set up an automatic draft and the {$50.00} payments came out each month as agreed for a full year. 
When the automatic drafts stopped I assumed the debt was paid. The last payment came out in XXXX of XXXX. 
In mid XXXX of XXXX my credit score suddenly DROPPED by over 20 points and when a " collections '' account was added under the name of Midland Funding. When I researched I found it to be the same XXXX XXXX Account! I've called almost daily. I've written letters. I've spoken with people who all agree that I had an agreement with XXXX XXXX and that THEY stopped taking out the payments and that Midland is an umbrella company for XXXX XXXX. NO ONE has given me an explanation for what they have done. It has ruined my progress for repairing my credit after a horrible fraud situation and they are NOT fixing the situation. They say I owe {$1400.00} and can pay them in full now ... or in 2 payments. No explanation of what has been done with the {$50.00} payments I've been making or how they just threw away the agreement - and reported me as in collections with no explanation, letter, phone call, etc. The original agreement is attached.
Product: Credit reporting or other personal consumer reports

Equifax continues to reinsert inaccurate previously deleted Nebraska XXXX XXXX account XXXX and XXXX previously deleted non account Inquiries. Child support is not a Consumer credit transaction therefore should not be reported. 
XXXX XXXX XXXX XXXX XXXX Main XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX