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

A company called XXXX XXXX reported 2 accounts on my EQUIFAX account.I try to contact that company to ask where those accounts come from and they do not have a correct info they was told to me that they are a third party collection company.I ask for accounts information and they have not all completed info.I contact equifax to complain and they was told to contact that collection agency, after i explain that i contact the collection agency and they do not have correct info, still EQUIFAX refuse to resolve my problem and they still have on my file those information even that they are incorrect and with errors.This is action a taken against me is on unappropriated.With out any prove they keep still on my file those reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/year> To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX Acct # XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX Acct # XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Credit card

I had an authorized user on my credit card. She started abusing the privilege, and so I promptly told the credit card company to remove her as soon as I could on XX/XX/2017 via secure message. That same day, I revived a secured message back from the credit card company, stating that she had been " removed as an Authorized User. '' Despite this, she has continued to make significant unauthorized purchases. The credit card company refuses to mark these significant charges as fraud, or to do anything to help beyond sending me a new card. Even after I spoke with the credit card company at length on the phone on XX/XX/2017, at which point they confirmed they would immediately cancel the current card and issue a new one, unauthorized charges still continue to be made on it. Please help.
Product: Debt collection

Williams & Fudge Inc. debt collectors repeatedly called my place of employment in the spring of 2018 asking my coworkers to speak with me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting that I am ( 90 ) days late on the XXXX account. ( Please see page attached from my credit report. ) I was granted a forbearance due to a financial hardship with COVID. This false reporting of lates is incorrect and is seriously harming my credit score. This line item needs to be updated and/or completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
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 ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Debt collection

I XXXX XXXX, certify that this is a declaration under the penalty of perjury, and acknowledge that this a statement of truth. North State Acceptance is knowingly and purposely violating my consumer rights. On XX/XX/2021 after seeing they were reporting a charge off of an auto loan to XXXX XXXX and XXXX, who are all 3rd parties to this consumer credit transaction ; I disputed the debt per 15 USC 1692g. The company responded via USPS on XX/XX/2021 that I need to provide them a police report which completely denies my initial request for debt validation. The lack of validation and continuance of reporting of my personal consumer info to XXXX violates 15 USC 1692g ( a ) and 15 USC 1692g ( b ). Also the term charge off is not defined under the FDCPA which now means that the reporting of this undefined term violates my consumer rights per 15 USC 1692e. North State Acceptance has also violated my consumer rights per15 USC 1692e ( 2 ), 15 USC 1692 e ( 5 ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 10 ). All three major credit reporting agencies who are not affiliated with the federal government have all violated my consumer rights per 15 USC 1681b because I never gave them prior authorization or consent to collect this information on my credit profiles. This account must be removed per The Fair Debt Collection Practices Act from all three of my credit reports including XXXX XXXX, and XXXX  with in 30 days of receipt of this demand for my consumer rights to be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I opened a " select checking account '' at Santander on XX/XX/2021. The promotion stated that the first business day after account opening was considered the " account opening date ''. Since XX/XX/2021 was a Friday, that meant that the following Monday XX/XX/XXXX was the official account opening date. I signed up for a promotion that required that I make a total of {$6000.00} in direct deposits within 90 days of account opening, to get a {$400.00} deposit to my account. I met the requirements on XX/XX/2021. The rules stated that I must wait 30 days from the last deposit I made, which was today, XX/XX/2021. I did not receive the {$400.00} that is due to me. I was also charged a {$25.00} fee that I would not have been charged had I gotten the {$400.00} deposit. 
I kept my end of the deal, Santander did not. Please deposit the {$400.00} to my account as well as the {$25.00} refund.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas 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 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  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

I have a collection account reporting on my account that doesnt belong to me I have repeatedly disputed this with the bureaus and all bureaus have removed account except Experian is stating account came back as verified but Im not sure how this is possible because I have requested proof of validation with my signature and have yet to be provided the information that they are reporting as correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and was instantly stressed and depressed because I had inaccurate information on my report. My reputation with the banking system has been destroyed simply because these companies are reporting inaccurate information. I don't have contracts with these companies and there are unauthorized inquiries on my account as well. Someone used my personal information without my consent! I've reached out to the credit bureaus over 30 days ago and they still haven't responded. I know they have to respond and they need to be help accountable and remove all inaccuracies immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a total of 4 notarized letters to Transunion requesting that the accounts on my reports that are in question be verified with proof ( signatures, contracts etc. ) or to delete them. Not only have they never sent any feedback regarding the accounts that they claim are " verified '' but they also failed to provide proof of verification. The last letter I sent to Transunion regarding this detailed that I will sue them if they leave these accounts on my report. It has been months and they are still on my account with no action or follow-up to my letters taken. I intend to complain to the XXXX XXXX XXXX  and Federal Trade Commission also if they keep these fraudulent accounts on my report. It is prohibiting my rights and they're not following law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the alleged collection agency XXXX XXXX  on XX/XX/XXXX more than 2 months ago got a response from Experian that suggested that they didn't do any investigation then I did an online dispute and came back even more convinced they did not investigate the alleged collection account being that the status date didn't change at all which was one of the many flaws found in the inaccurately reported account. 

XXXX  and XXXX d

id not mail me in a report at all and as for the alleged collection agency themselves they failed to send me any proof and if they say they did not know I disputed this debt then that means that Experian lied by saying the alleged collection agency verified the debt, how could you verify an account for a dispute you did not know of? Now here I am complaining to you about this alleged collection account reporting inaccurately. 1.Date of First Major Delinquency Reported is not consistent 2. No Date of Last Activity Disclosed on Experian and XXXX  how do I know this hasnt been re-aged 3. No original Contract with Third party Clause showing the alleged collection agency as a rightful party to this alleged debt in case of default Sent to me at all If so show the certified mail proof 4. NO 1099 OID -Original Issue Discount sent to me at all If so provide me with certified mail proof 5. Balance owned/ Past Due balance on a collection account 6. Chasing a time barred Debt this debt has been past my states Statue of limitations for about a year now by looking at the alleged date of first major delinquency on this file XX/XX/2016 which is not a full date in itself 7. Account # XXXX inconsistent I have attached plenty of documents explaining my case, please take this seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.
Product: Credit card or prepaid card

I am trying to get a refund from my deceased brother 's Kohl credit card. I closed the account on ~12/23/16 when he passed away. On  XXXX , I found out there is a credit balance of  XXXX  {$740.00}, and I was told to fax the power of attorney document, his death certificate, and a letter explaining that I would like to request a refund to a fax # that they provided.  XXXX  months went by, I did n't receive a check. I called back on  XXXX  & was told to fax the same doc. to a different fax #. Nobody contacted me despite I put my contact # on the cover page to tell them specifically to call me & let me know once they receive the documents & the doc. are indeed what they are looking for. After faxing my doc. to different fax # on  3  different occasions, I contacted the president Kohl office ( corp. office of  Kohl   )  and told them about the frustration of faxing the same doc. over & over again, and they always tell me that I should have faxed over to a different fax # instead. This lady from corp. office is no help either. She just gave me a phone # and asked me to call them to find out what 's the fax # to fax over the executor of estate document. The phone # that she provided is a voicemail, and all I can do is to leave a voicemail. Of course, nobody ever called me back. I tried to call back the corp. office & told the lady that I had no luck in obtaining a fax #. However, this lady did n't return my call either. Customer service is bad from phone center all the up way to headquarters. I then called customer service again today & they told me to fax over the executor of estate doc. to yet another fax #. They said the document I faxed over is incomplete. When I asked what part is incomplete, the rep. just told me to just fax over again. By now, I have faxed the death document, my driver license with my full name, DOB, current address, my brother 's Kohl credit card #, his last  4  of his SS #, his DOB, his Last Will and Testament ( to show that I am the personal representative of his estate, and the trust info to show that I am the trustee. I do n't know what else can I do at this point. If there is no activity on the account since   XXXX   by now, should n't the refund be automatically processed by law? I am being abused by their customer service. Every time when I called them, they asked me who I talked to, what is the fax # I used, and the dates that I fax the doc. I felt like I was being interrogated ; handling my deceased brother account is emotional and frustrating. Of all the credit card companies that I dealt with (  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , I did n't encounter any problem except KOHL. They keep on giving me this runaround and tell me to fax over my sensitive doc . ( DL  's #, SS #, address, my brother  's Will etc ) t o different fax #. I waste at least  30mins  each time I call, and the end result is still the same, namely " you need to fax your doc. to THIS  FAX # ).  I am beyond frustrated and I 'd like you to help me and let others know how  Kohl  treat their credit card customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect account balance to my XXXX XXXX  account on my Equifax consumer report. Equifax investigation included incorrect account balance information and did not correct my account information. Due to Equifax non compliance with the Fair Credit Reporting Act, I will seek punitive damages for each day my credit strong account continues to report inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX are not my acount and have been reporting over 7 years. I never had these accounts. My parents XXXX away during this time and i wasnt working. How could I get a credit card? I reported ove 100 ftc reports the.banks are ignoring me. This is against my fair rights. They are threatening me. They both said my credit will continue to me ruined until I pay them. Its not there problem This account was closed on XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Reported balance Credit limit {$500.00} You're using 165 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} Opened PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$820.00} Worst payment status No Info This account was closed on XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$930.00} Reported balance Credit limit {$700.00} You're using 134 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$930.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX was placed within my credit file in XXXX, 2017. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 payment shows late but it was never late. Called the customer service to report, but they said I have to dispute it with credit bureau they can't fix it automatic.
Product: Payday loan, title loan, personal loan, or advance loan

Described in previous question. 
Long story short this was a company that actually changed companies in the middle of my loan the company now is XXXX I was unable to continue payments almost a year ago. I took out a total of {$4000.00}, half of which one into a savings account they had set up for me to where when I paid off over half of the loan, at the end of loan was completely paid off the. Customer is awarded the savings amount or if loan is in complete they take the savings and put it towards debt left owed therefore covering their end if loan is in debt. So they get paid the XXXX back however they're still harassing me about {$500.00} I apparently owe. They have been really harassing me these past XXXX weeks didn't hear from them in over many months, then when I do it is non-stop. I understand the statements I get in the mail and that's normal but when I'm called it XXXX or XXXX at night back to back just to '' discuss payment on account '' and up to my place of employment that's totally out of line
Product: Credit reporting or other personal consumer reports

This complaint is to inform you that XXXX XXXX XXXX has unlawfully reported an alleged debt to my consumer report. Under the New Rule Regulation F. which took effect XX/XX/2021. 
XXXX XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer report. Cease and Desist the reporting of this Debt immediately or I will escalate this matter by taking legal action. 
I have not given Credit Acceptance written permission to put anything on my credit profile 15 USC 1681b2. Credit Acceptance has no permissible purpose by law to contact third parties with my private information. Your offense amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGOUS CONSUMER AND WILL NOT HESITATE TOTAKE LEGAL ACTION AGAINST XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2022. Caliber home loans send me a letter stating that Im late with my mortgage payment and they will send it to a debt collector if I dont take any steps to pay. This mortgage payment is set up automatically every month. Getting this letter trigger me to send another payment. The result of this additional payment, I got charged by my bank with overdraft fees. 
Tried reaching, first on I called the following day after the mail was sent. Called again the following week try to speak to a Manager to get some answers but until today XX/XX/2022 no one has tried to reach me.
Product: Checking or savings account

I received an email from chime saying I opened a card- I have not. They wont close the card without me sending a picture of my ID and I am not comfortable with that.