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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent activity happen. Called XXXX and XXXX, no problem everything done over the phone and very well professionally done. Try to call experian.. I have tried every phone number that exists and not one has a person to speak to. They give you all kinds of computer info which I don ; t know how to do. I have personal stuff that is incorrect, make sure XXXX is on and remove XXXX from XXXX account that I am not responsible for. They run your life, ruin your life when they feel your credit score should drop 47 points ect. and then no one to talk to esp the data breach they had you would think they would be very receptive to your needs. They need to have phones that you can talk to people and be able to fix things right away like the other two companies. This really needs to be addressed. I have to mail them the info I guess, but don't know what papers to send. Something critical like this is not a mail item.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 10 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 personal credit card accounts 4 auto loan accounts opened and a 2 personal loan account opened. These accounts have resulted in several fraudulent nard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease oursuant to my non 's within the rons and ruortaws.. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all 3 bureaus : XXXX, XXXX, and Equifax ) XXXX What happened Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card accounts opened at XXXX XXXX XXXX auto loan accounts opened at XXXX XXXX XXXX and XXXX personal loans account opened at XXXX XXXX and XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the ioned fraudulent consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 XX/XX/XXXX to XX/XX/XXXX 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 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

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

I had Chime I think XXXX. There was {$3000.00} taken out of my account. It was some sort of game. I do play games on line once in a while. Like XXXX or XXXX. But not XXXX worth. I noticed it was ongoing. Chime told me they investigated and that it was me. I remember going to complain to consumer affairs and the XXXX Nothing was resolved. Chime kept on saying it was me. Im a XXXX and didnt have money to go further. Then I saw Chime was being sued for things like this. I want to know if someone can help me. I do remember getting in touch with President of Chime. By email! No success. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

I have contacted the credit bureaus XXXX and Transunion about inquiries that were not authorized by me and asked to verify them in writing in which they did not and they are still present on my report. Also my credit report has n't been updating properly through the XXXX XXXX website for approximately 2weeks now.
Product: Credit card

I. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a letter stating they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 
II. I responded. In that letter, I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received. 
III. I also pulled down my credit report and saw that this debt had been charged off. 
IV. I was served with a lawsuit on XXXX/XXXX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding this matter. 
ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 
The statements made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.
Product: Debt collection

I had two loans with Key Bank. One ending in # XXXX and the other ending in # XXXX. I lost my job and was unable to pay said loans and agreed upon a settlement for both loans. I received letters showing the acceptance of the agreed settlement amounts. Correspondence regarding these loans and the settlement agreements were dated between XX/XX/2018 and XX/XX/2018. The settlement amounts were paid in full by check # XXXX in the amount of {$1500.00} and a direct withdrawal from the collection company for {$4200.00}. Even though these were paid in 2018 I still receive calls regarding these accounts. Each time I receive a call I explain the same scenario as explained above. Each time the research and find that my loans are satisfied. Every time I speak to a person that calls regarding this issue I request to be taken off the call list. Yet here I am years later receiving the same calls time and time again. I know that the calls are recorded they can listen to my requests. I don't want to receive these calls any longer. It feels like harassment. I have made the same request again and again. 
I am concerned that if they are still calling me that it is showing on my credit report and negatively impacting it. 
I would like the matter resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX  XXXX ( XXXX XXXX XXXX ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to XXXX before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.
Product: Debt collection

There is a XXXX collection on my credit report, that i has no idea of until the collection was reported to the Credit Bureau. I was never contacted regarding this debt. If I was contacted there was never a message left requesting a return phone call. Therefore I was not aware this account needed my attention. I have contacted IC Systems in regards to this debt, and they stated an address that I have no lived at in 5 years. If I had been contacted about my address change I would have taken care of the situation. My correct address is listed on the report given by credit karma from CI Systems. I have still yet to receive a notice for this collection. The only reason I even know about this debt is through my credit karma credit report. I have attempted to go to their website to look over the debt I supposedly owe, but the company requires a reference number to the account which I do not have because I have never received a notice. I have no files to attach to this complaint due to never receiving a notice.
Product: Payday loan

I received a e-mail from a lawyer claiming to be from the United States Court House with no offical signature or individual sending it. It states I owe a payday loan to ACE Cash Express. I do not recall this company, since there is no contact person on this e-mail I feel this is a form of fraud. This e-mail states to send money immediately to prevent lawsuit by the United States Court House and closure of my bank account. I did contact my bank informing them of this e-mail and this might be a case of fraud.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies Transunion, XXXX and XXXX is reporting a bankruptcy to my report after it clearly states and are governed by law that The United States of Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit file. Please remove the following from your records. Furnishing of this information violates The Fair Credit Reporting Act and my consumer rights to privacy.
Product: Debt collection

There is a negative credit mark on both myself and my husbands, XXXX XXXX, credit report. The creditor is listed as XXXX XXXX XXXX XXXX XXXX. We lived there for XXXX XXXX. When we were preparing to move out, the company was given a letter of intent to move. The letter was dated within the required XX/XX/year> days notice. There were apartments at that time that were not rented due to XXXX XXXX in the area. Once we moved, we were hit with a non payment for XXXX XXXX rent. As well, our deposit was never returned. We have disputed this multiple times and the company refuses to acknowledge they are at fault for the error. This is affecting our ability to purchase a home. They will not work to resolve the issue. Please help get this negative report removed and monitor this company for fraudulent practices.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, Incorporated, for committing identity theft. I have never given Commonwealth Financial Systems, Incorporated, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Commonwealth Financial Systems, Incorporated and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems, Incorporated any right to collect on this alleged debt.

I have never received any documentation requesting validation from Commonwealth Financial Systems, Incorporated, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, Incorporated, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, Incorporated, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, Incorporated, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, Incorporated, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

When I signed up for an American Express card, I was told over the phone that the annual interest rate would be 16.99 %. On XXXX XXXX, XXXX, I was charged approximately {$36.00} dollars in interest in two separate interest charges, an amount that seems significantly higher than what should be, according to the original terms. Despite my multiple requests, American Express representatives who I contacted on XXXX XXXX, XXXX refused my request of a formal audit, not only to look at this calculation, but other months in which I may have been overcharged. The refusal to investigate further leads me to suspect that there may be other aspects of this that are unfair or in violation of laws. Can you audit my American Express account since they refuse to?
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, my checking account from Wells Fargo was drained from {$4300.00} down to {$480.00}. The balance lost was through money transfer via XXXX XXXX. Those transactions were not authorized. XXXX  along with Wells Fargo opened the claim and ultimately decided to not accept my claim and not return the funds based on the fact that the transactions were made through the digital wallet.
Product: Checking or savings account

I am writing to formally lodge a report against Truist Bank regarding the unjust closure of my business bank account. On XX/XX/2024, I notified XXXX XXXX at Truist that my account was being closed. I was told different information about the situation and later that it was due to alleged fraudulent activity. However, despite repeated requests, Truist has failed to provide any evidence or substantiation of such claims. This unsubstantiated accusation and subsequent action have caused significant harm to me and my business. 

As a XXXX business, I believe this action by Truist is part of a broader pattern of discriminatory practices against women entrepreneurs. The abrupt closure of my account has disrupted my business operations, strained my financial resources, and caused considerable XXXX XXXX. 

The impact of this unjust action has been profound. I have suffered financial losses due to interrupted business activities and have had to spend considerable time and resources to address this situation. Moreover, the stress and XXXX caused by this unfounded accusation have taken a toll on my mental health.
Product: Money transfer, virtual currency, or money service

venmo refused to release my funds even after a 180 day hold venmo closed my account without nontice as to why and put a freeze on my funds i contacted then on many occassions for the last 6 months in XX/XX/XXXX i got an email stating that my account was closed but with no stated reason and that i will not able to use their service and that the funds that are in the account will be on hold for 180 days and upon the complete of the 180 days i will get an email requesting were to transfer the funds to I have yet to receive that email and i have not been able to get any resolution or reason for then holding my funds for i have submitted all the documentation that was asked of me to verify my Identity and the only answer that i have got is that there was nothing more that can inform of nor could they even give me a reason why they said that this is being handled through a special department and they will contact me in 5 business day via email this has yet to be received they are holding over XXXX XXXX dollars of my funds for no reason I have been using venmo banking for over 2year and i have never had any issue untill now.. the last conversation i had with them was on XX/XX/XXXX and the rep told me that this is under review and that it could take up to a year for this review to be completed but not for sure and yet still no reason was given to me as to why for the hold I have had no issues as far as charge backs, disputes. or even NSF payments or deposits this is unfair and in valid banking i have followed and did all that was requested by venmo i have waited out the 180 days I have followed the policy and proceedures why is it that i cant get my money and why cant they honor and follow their own policy and proceedures their actions that they are doing to the consumers can not be legal for them to do.
Product: Student loan

Initially all of my consolidated loans totaled to be approx. XXXX. However, since my loans have been with Navient and the loans have been in deferment and forbearance, my total has increased to over XXXX with the interest. I am now repaying loan on the Income based repayment plan, but I am not able to see how this is decreasing my principle amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
XXXX XXXX XXXX has reported the debt to the 3 major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, XXXX and Experian and attached copies to this complaint. 
Experian has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both XXXX and Experian are in gross violation of my rights as they have continually done in the past.