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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cashed a check on XX/XX/XXXX from chase bank mobile app. They froze my account because they said it was suspicious activity and I never received my money back for a check they said they cleared and took the money from
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX and EQUIFAX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : The account - ACCOUNT NAME : XXXX XXXX XXXX XXXX ( XXXX ) ( i ) - EXCLUSION ON TRANSACTIONS 15 USC 1666b - TIMING OF PAYMENTS XXXX XXXX XXXXXX/XX/year> FURNISHED AS " OK '' XX/XX/year> FURNISHED AS 30 DAYS LATE XX/XX/year> FURNISHED AS " OK '' HOW CAN I BE LATE UNDER 30 DAYS? PROVIDE THIS PROOF OF LATE PAYMENT WITH BANK STATEMENTS. 

A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH. *DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY.

*DO NOT DELETE THE ACCOUNT.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b.

Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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

Delete late payments from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under XXXX XXXX XXXX - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. XXXX ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section XXXX of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of identity fraud XXXX. Fair debt collection practices act XXXX XXXX violations XXXX. Fair reporting act XXXX XXXX violations for willful noncompliance XXXX Civil liability for willful noncompliance XXXX XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted multiple disputes with experian and XXXX and they turn around in less than 2 weeks and tell me that the information was verified as accurate. They did not provide me with any documentation proving the debt belongs to me or an itemized document explaining any of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent Checkr company on XX/XX/2018 A request to update there records and send me a copy with in 30 days. They have not provided me with an updated consumer report that accurately reflects the changes per the court document sent. Its been over 30 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received a phone call by an alleged police officer and a scam XXXX request for payment of {$5000.00} for an alleged bail bond for an employee. After authorizing the transaction I immediately contacted Truist Bank and advised that I had been defrauded. They refused to take the dispute for a day and a half until after the transaction had posted. They then waited 5 days to initiate the process of contacting the receiving bank and refused to tell me which institution had received the funds.
Product: Checking or savings account

I noticed 5 unauthorized transactions on my Sofi account ; these are the transactions ; Transaction Id : XXXX Transaction Id : XXXX Transaction Id : XXXX Transaction Id : XXXX Transaction Id : XXXX My dispute was canceled in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have forwarded all information to XXXX regarding identity theft and they will not remove or respond, other than saying that I am responsible for the debt and they have proof that this information is unverifiable and is willfully refusing to stop reporting to the credit reporting agencies. They also do not respond with the proof that show I owe this debt. I am going to sue this company the credit reporting agency and CFPB for not acting on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding two XXXX XXXX XXXX XXXX  accounts reported inaccurately on my credit file. These inaccuracies have been verified on multiple credit bureau reports, despite my previous attempts to address them directly with XXXX and the credit bureaus. The accounts in question are : Account # XXXX : ** Reported as a revolving account with a {$5000.00} credit limit and a high balance of {$5300.00}. 
XXXX incorrectly reports late payments for XX/XX/XXXX, which is inconsistent with my payment records. This derogatory mark is erroneous and should reflect 'Paid as Agreed ' or 'Never Late ' as I have not missed any payments. 
Additional issues with this account include inconsistencies in the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields, which deviate from Metro 2 standards, leading to conflicting reporting across bureaus. 
Creditor Remarks : XXXX and TransUnion inaccurately list remarks about 30-day delinquency, which further harms my credit standing without documented justification. 

Account # XXXX : ** Reported as a revolving account with a {$2000.00} credit limit and a high balance of {$2100.00}. 
XXXX claims that this account had a 30-day late payment for XX/XX/XXXX, an error that should be updated to reflect 'Paid as Agreed ' and 'Never Late. ' This incorrect data point is detrimental to my credit profile, as it suggests delinquency when none occurred. 
Like the previous account, the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields are inconsistent and deviate from required standards, causing inaccuracies across credit bureaus. 
Creditor Remarks on XXXX inaccurately reflect a 30-day past due status without evidence or supporting documentation, further violating FCRA and Metro 2 guidelines. 

XXXX has provided no verifiable proof or documentation to support these derogatory remarks or discrepancies. Given that these accounts have already been marked as 'Closed ' and have a {$0.00} balance, there is no basis for reporting these as delinquent or charged-off accounts. Legal precedents, including XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), stress the need for accurate reporting and verified evidence for derogatory claims.
Product: Vehicle loan or lease

Santander Consumer USA auto loan contract at 18 % APR, when diving into the billing of why after so many years our loan amount wasnt changing, it was then explained that its 18 % DAILY interest on the balance owed. 

I was called and solicited by Santander saying i qualified for reduction in payment for 6 months, what they didnt say is that this was going to be interest only payments, and not advise it was hurting me in the long run and tacking on 6 more months to my maturity date. They used words like 'congratulations, you qualify for this 6 month deal '. 

We have tried to argue their billing practices. About 70 % of each payment was going to interest, and even if making payment on same day each month, it seemed to fluctuate which amount was going to the principal. 

We have put in several complaints, even to their Office of the President. They called on XXXX XXXX, my father ( cosigner ) is a veteran, and i told them do not call back on that day. They put in a cease and desist on our account, which included not sending any billing invoices, statements etc! This was not asked for, and they still should be generating the statements online, and that wasnt that case. So we lost all visibility to our account during that time ( approx 3 months ) until we told them to remove that cease and desist we didnt ask for.
Product: Payday loan, title loan, or personal loan

I am having issues with TitleMax I have been charge excessive fees and when I make the payment due it's ate up in fees. I was give a opportunity to borrow on my loan and that option is gone. I feel that I would never get loan paid off with all the fees. I feel like I paid more than I owe already because of fees and 1 month was almost close to not making a payment and was told that need to make the payment or my vehicle will be repossessed. Most recent I have had some flexibility but not always.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy that I saw on my credit report with your company. I disputed it because it is unverifiable, yet you updated the report with the statement that the account was verified.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

SLS was sold to XXXX XXXX XXXX should only have 1 account reported and XXXX XXXX XXXX has been satisfied
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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. 


EXPERIAN 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX, I opened a Smartly Checking account online with US Bank. I need a new bank as I was closing the account at my old bank. Direct deposit was set up, I went into the closest branch and was assisted in ordering checks and my debit card as well as was given a temporary debit card. The next week my direct deposit went into the account and I assumed everything was business a usual. 
On XX/XX/XXXX, my debit card stopped working. Each time I tried to use it, it would say declined. I had money in the bank, but no access to it. I contacted US bank and had no luck finding anything out and was told to contact XXXX XXXX for information. After getting no response from XXXX XXXX, I contacted US bank again on XXXX and after being transferred numerous times, I was finally transferred to a kind helpful lady who found out there was a couple of holds on my account and it was set to be closed. I had received no notice or anything about this. The way I found out is when my card quit working. Not a good way to do business. 
On XX/XX/XXXX, my account was closed and the branch XXXX of the closest branch opened a new account for me. Knowing my direct deposit was coming through the morning of XX/XX/XXXX, she put it a re-route for it to go into the new account and told me that it would be XXXX hours to get it. 
Then on XX/XX/XXXX, the fraud department XXXX access to my online account with no notice or reason. This would be another XXXX hours before I can see my account. Us Bank is also stating that they have no knowledge of my direct deposit being re-routed either. My company says it has not returned as of yet, so Im out of luck! 
Knowing my deposit was coming in, US BankXXXX XXXX XXXX XXXX until Friday to close the account, they had to close it Thursday. I called trying to find out if they could tell me when it would drop because I have no access to any money since this new account has been opened and they dont even see my money. At this point, I feel like US Bank has stolen my funds since they have XXXX my access to see anything either. 
I shouldve been notified in both instances and was not. This has been a complete inconvenience and frustration due to me having been without money, unable to provide for my household or put gas in my vehicle. 
I called back this evening and spoke to another customer service representative who said he did not see any direct deposit, but we can hope it will show up Monday night to be deposited Tuesday morning. He also said I can contact online services on Monday if my account is still XXXX. 
If a department is going to disable an account on a Friday, there should be a representative who can speak to you over the weekend to get it resolved. I feel like US Bank has failed me and has no desire to resolve this issue as they keep telling me there is no one I can talk to until Monday and when I asked for a XXXX, I was told they could not take the call but would contact me XXXX did not happen either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Community Bank on three occasions because the company is erroneously reporting to transunion that I made late payments on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. However, my account with Community Bank/ Victoria 's Secret has been closed since XX/XX/2020 and paid in full. I have not been late on making any payments in 2020 and this information is incorrect and needs to be removed from my credit report.
Product: Debt collection

I have visited XXXX XXXX, XXXX, for services in early XXXX. There was confusion with the payment method due to miscommunication between the hospital and myself. It resulted into collections last year XXXX. I have contacted the hostpital and cleared the debt on XX/XX/XXXX. 
I believe this information got stolen, now, I have received the attached letter on XX/XX/XXXX from a fake collection agency " Medical Revenue Service '' for {$45.00} ( for the service rendered one year ago on XX/XX/XXXX ). I have called the hospital on XX/XX/XXXX and confirmed that I don't owe any money. I have also called the number provided on the fake debt collection letter, the person on the phone was very rude and just wants my credit/debit card details. I don't think any legitimate collection company would behave like that. 
Can you please take action on this company? His name was XXXX and he asked me send proof of payment to the email address provided is XXXX or fax to XXXX.
Product: Debt collection

Pursuant to 18 USC 8, i owe no debt. This company, Wakefield and Associates are violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Debt collection

Its was paid as negotiations with the Midland funding LLC on XX/XX/2024 with the amount {$750.00}, the report should have been removed my credit but they didnt do it yet.