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

There is false and misleading information being reported on my Consumer Report and XXXX, XXXX and Equifax are all in violation of the Fair Credit Reporting Act due to the fact that they are providing consumer transactions and experiences that are prohibited and excluded according to the FRCA. These transactions and experiences including payment history and late payments are in complete violation of the laws that congress has put into place. At this time if this matter is not resolved they are in jeopardy of civil liability for willful negligence in knowingly reporting information on my consumer report that are clearly supposed to be excluded according to the law. Now because of their willful negligence and their willful violation of the law I am receiving damages and harm including but not limited to stress and financial loss due to the fact that there are transactions and experiences being reported on my Consumer Report that are not supposed to be there. I never gave the person 's that reported these transactions to the Credit Agencies nor the Credit Agencies authorization to report any of these things on my Consumer Report. Which means they are in willful violation as well of permissible purposes. I also received verifications on my consumer reports that the information I disputed came back verified, as the best I can tell right now the Fair Credit Reporting Act was not followed in receiving the verification and the information that was given and verified was solely based upon the information that they gained from the alleged creditors. This is also a violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable ProoXXXX ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted First Federal Credit Control on a matter that pertains to my credit. I have been a victim of fraud. I sent First Federal Credit Control a copy of my FTC affidavit via certified mail. I have 4 accounts on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to First Federal Credit Control to remove these 4 fraudulent accounts from all three credit bureaus ( XXXX, XXXX ) and First Federal Credit Control disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay First Federal Credit Control and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have experienced identity theft and this account was never opened by me,
Product: Debt collection

I wrote to XXXX and asked them to prove they are the legal owners of the debt. They have not provided anything that proves their ownership. I also asked them that they be removed from my credit report but they continue to report the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS NOT HELPING ME AT ALL EQUIFAX INDICATES THEY CANT DO A PERSONAL DISPUTES CONFIRMATION # XXXX RESEARCH NUMBER
Product: Debt collection

Good day, I been trying to fix this collection thats affecting my credit for a while. I tried contacting the collectors company and they will not tell me where or what is the debt about. I also disputed it with XXXX but Im still waiting for answers. My identity was already stolen once when I was XXXX over XXXX, I tried to explain that to the company but the will not help me or lead me anywhere. Please if anyone can help me. Im about to get XXXX XXXX from the XXXX  and I need my credit to get fixed in other to buy a house for my family and I. If anyone can lead me anywhere please feel free to call me. XXXX  Thank you and please be blessed!
Product: Credit reporting or other personal consumer reports

Dear Transunion Team, I hope this letter finds you well. My name is XXXX XXXX, and I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Under the Debt Bondage Repair Act, we are committed to advocating for the rights of victims and ensuring they receive the resources necessary to escape the cycle of exploitation. We believe that collaboration with organizations like Transunion is crucial in our efforts to restore financial stability and dignity to these individuals. 


Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for human trafficking survivors. XXXX XXXX XXXX  is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Transunion is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are late payments during XXXX  XXXX I disputed multiple times to get these taken off as they are in violation of HEROS act. I lost my job as a waitress during covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX : the account number is XXXX : date opened XX/XX/2016
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiries Dispute Transunion Relations I am writing to formally dispute several unauthorized inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 604, inquiries should only appear on my credit report if I have authorized them or initiated a credit application. These inquiries were not authorized by me, and I am requesting their immediate removal. 

Below is a list of the unauthorized inquiries : - DEPT OF ED Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX - XXXX XXXX Date of Inquiry : XX/XX/XXXX - XXXX Date of Inquiry : XX/XX/XXXX - XXXX XXXX Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX of XXXX : XX/XX/XXXX Under the FCRA, you are required to investigate disputed items on my credit report and remove any unauthorized or inaccurate inquiries. Additionally, Section 611 of the FCRA mandates that consumer reporting agencies investigate and correct any errors promptly. 

These inquiries negatively impact my credit score and were made without my consent. Please investigate this matter and remove these inquiries from my credit report immediately. I have included a copy of my government-issued identification.

I expect a response within the 30-day timeframe as outlined by federal law. Please confirm in writing once these inquiries have been removed or if further action is required on my part. 

Thank you for your prompt attention to this matter. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX/XXXX XXXX BRANCH XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXX owed XXXX $ this is a list below of fraudulent inquiries below
Product: Debt collection

I will attach a letter further detailing what went on, but basically, I bought a new car, the dealer never terminated the insurance with the old car, my new insurance guy said to ignore it as it will automatically be taken care of. I did that. Then months later I was informed the bill, which I don't owe, was sent to a credit collection agency and they've put the false debt on my credit report, thus damaging my credit. 

This is the 2nd time XXXX has screwed me over which is why I'm taking this issue to you after having a 2nd effort with the XXXX to resolve this new issue unsuccesssfully. 

I have provided ample proof I do not owe this debt and resources for them to call to verify which they have chosen not to do. I do not owe this debt and want it off my credit report now.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX and I saw that you have recently began to report me 30 days late. I also stated that I have previous credit reports from the [ Name of credit monitoring ] that reflect my accounts accurately, as paid on time. I explained that I was I never late on the following accounts, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. Please see the following accounts : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/2020
Product: Mortgage

Me and my wife had to file bankruptsy and upon discharge we made every payment and paid the required fee over {$3500.00} to reinstate the right to catch up and resume payments upon discharge of Chapter XXXX. But Guild Mortgage states we are 116 days behind, therefore breached the federal bankruptsy protection laws. We done everything we were instructed to do as consumers.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX, ) 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 ( MONTHS REPORTING LATE ) 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. 


( XXXX, XXXX, XXXX XXXX, 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: Checking or savings account

I transfered XXXX $ from my XXXX XXXX  account to my XXXX XXXX card. The money was removed twice from my account. It put my account in the negatives XXXX XXXX so when i got paid this week that was deducted from my check. Ive contacted both companies and they both blamed it on the other. Im not sure whose at fault. I have screen shots of my transactions from the last week to show proof.
Product: Debt collection

I was contacted by a XXXX XXXX credit card representative this past XXXX of 2018 with a voicemail that started off with a threatening tone that said that if I did not return their call within the same day that that they would have to take action and they wanted to know if I had an attorney. I received a letter a day later from XXXX XXXX credit card with a settlement offer I contacted them the same day that I received that letter and they were very dismissive during the call they wanted for me to make a XXXX XXXX dollar payment during that call that I made in response to their supposed settlement letter which was used as an opportunity for them to be rude and condescending on the phone. The representative that I spoke to on the phone regarding the settlement letter would not allow me to speak and refused to setup an agreement for me to make a payment of XXXX dollars each month until the debt was paid off. The only offer that was made over the phone was for me to pay at least two separate XXXX XXXX dollar payments until the debt was paid off unfortunately the person was rude and refused to help me in anyway until I had to hang up the phone because the person at one point during the conversation would not let me speak.
Product: Credit reporting or other personal consumer reports

This company has filed a charge of 1099 c on accounts in my name. They have not issued or provided me with any 1099 C 's they also failed to report a XXXX balance on my credit report they are reporting false information the charger by law can not have a remaining balance which is not reflecting a XXXX balance
Product: Credit reporting or other personal consumer reports

XXXX XXXX stated in a complaint against them that they will delete this account from each reporting agency. I tried reaching out to Experian and XXXX to have this information remove with proof from XXXX XXXX saying they will delete this information from my credit report and they both fail to stop reporting inaccurate information
Product: Debt collection

XXXX XXXX XXXX and Couch, Conville and Blitt - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I XXXX XXXX am a consumer by law and there is inaccurate information on XXXX XXXX credit report. Its been over 45 days and XXXX XXXX has yet to respond to previous dispute regarding late payment transactions. It's a billing error I've always paid as agreed. Secondly, there is no such thing as a late payment.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an accounts that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigation and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be update to on time as they should be as i was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT.
Product: Credit card

At the beginning of XX/XX/, I sent a payment to the American Express credit card with a money order worth {$1000.00}. That payment was never applied to my account, but the money order was collected by said institution on XX/XX/, as can be verified in the copy received of the money order. I have made 3 disputes with American Express, and they always reject it even though they have proof of the payment made. No one can give me a logical explanation of what is happening, and I have already spoken with different American Express representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : Issue : The Macys charge account reported to the XXXX bureau before the first billing cycle due. In fact, I have not received the first statement. 
( This is incorrect information in reporting that communicates I did not pay off this debt ; within billing cycle due. [ This is not accurate ; furthermore, negatively affect the overall credit score ) This is a violation of my consumer rights ]. 

Action : XX/XX/2022 around XXXX and XXXX at XXXX ( XXXX ) XXXX. 
I called Macys credit account customer service twice. The first time I spoke with a representative, and second call I spoke with a supervisor [ both calls are recorded ]. 

Research : I have four credit accounts, and no other organizations reports to credit bureaus prior to first billing due date. 

Desired Result : The Macys charge account correct this error ( to XXXX [ XXXX and XXXX ], and report after first billing cycle due. 

I appreciate your time to read, investigate, mediate, and to achieve desired result. 

Respectfully, - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have a 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.