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

I HAVE HAD TO CALL XXXX AND EQUIFAX MULTIPLE TIMES AND SIT ON HOLD FOR HOURS TRYING TO FOLLOW UP WITH THE REPSONSE TO MY COMPLAINT. EQUIFAX RESPONDED THAT AN ACCOUNT ( XXXX ) WAS NOT ON MY REPORT BUT AFTER VERIFYING IT WITH MYFICO, XXXX XXXX AND PAYING FOR OTHER MONITORING SITES, I WAS INFACT STILL ON MY REPORT. THE AGENTS AT EQUIFAX WERE ALSO ABLE TO SEE THE ACCOUNT AND ASSURED ME IT WOULD BE REMOVED BUT AS OF MY LAST CALL ON XX/XX/XXXX, I DO NOT SHOW AN UPDATE TO MY CREDIT REPORT. XXXX NEVER SENT REQUESTED TIME AND DATES OF WET SIGNATURES FOR FRAUDULENT ACCOUNTS ( XXXX, XXXX ) THAT ARE REPORTING TO MY FILE. THEY ALSO RESPONDED THAT THEY DELETD INQUIRIES AND THAT WAS ALSO FALSE ( XXXX XXXX XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX ; XXXX XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute bankruptcy that appears on my credit report. Experian refuses to properly conduct investigation and claim they have already investigated item on several times. Experian representatives continuously lie stating they have sent someone over to representative over to federal court to verify information. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last XXXX digits of the individual 's social security number or tax identification number. 

Under the Federal Rules of Bankruptcy Procedure a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with your case is ( that includes credit reporting agencies such as Experian ) : ( 1 ) Your Full Name ; ( 2 ) The Last XXXX Digits of Your Social Security Number and ( 3 ) Your Address. Furthermore I was advised in order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. 

I have asked Experian representative to provide me with copy of court subpoena they received granting them full access to case. I have personal looking in The PACER Service and information listed on docket show address I never lived and last XXXX digits of a social security number. 

XXXX and XXXX have both removed this inaccurate information from my credit file and I would appreciate if Experian is forced to do the same. I am very sick and tired of playing cat and mouse with Experian. Their customer service representatives are very rude and company has culture to tending to wait out 30 days and not investigating disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.
Product: Credit card

CITI credit cards have closed all three of my accounts with them all within this past year! I had XXXX balances and have always used and paid my cards in a timely manner! They are intentionally trying to lower my credit score!

I have included the last four numbers of the three accounts they have closed on me this past year. DISGRACEFUL!
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject 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 to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 


Accounts : XXXX XXXX XXXX - {$3600.00} - Date Opened - XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX - {$620.00} - Date Opened - XXXX XXXX, XXXX XXXX XXXX XXXX- {$1700.00} - Date Opened - XXXX XXXX, XXXX XXXX XXXX XXXX - {$4000.00} - Date Opened - XXXX XXXX, XXXX XXXX XXXX XXXX - {$680.00} - Date Opened - XXXX XXXX XXXX Adresses : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX CT, XXXX IL, XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX IL, XXXX
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.

1. 15 USC 1681B. Permissible purposes of consumer reports XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 1681n. Civil liability for willful noncompliance XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 

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

transfer., .company I have account in wise comeny..my wise account e mail address is XXXXthey deactivated me for some wan was access my account and do some mistakes, ..they stollen my account and they accessed my wise account, .and I was in vacation, ..I came back and I change my password, ..so I need hep from you to help me to allow to access my wise account., .please I read agreement and rolls of wise, and will never habben again., .please help me to get back my wise account., .which they deactivated me., .I am in XXXX ohio XXXX XXXX address XXXX XXXX XXXX, XXXX, XXXX number XXXX, .please help me thanks very much., .itis very important for me., .to get back my account., .or allow me to get new one
Product: Debt collection

I have been asking for verification validation for going on 2 years. I have recieved absolutely nothing from said company. i want " proof '' of alleged debt. other than a computer generated invoice that anyone can make up, as long as a company has your name and some sort of address they can send out an invoice stating you owe this amount kind of like a ransom pay up or we will ding your credit report. something bearing my signature stating i have some sort of contractual obligation of said debt. I have disputed this information with the credit reporting agencies and only answer i get is that they certified that its accurate which implies that they in fact have some sort of documents bearing a signature some sort of contract.
Product: Money transfer, virtual currency, or money service

This is the original e-mail, I was not able to attach the .pdf. 

XXXX XXXX XXXX Mon XXXX XXXX Dear Customer It is expected that this charge will appear on your statement within 6 hours as payment to COINBASE INC. Please read the details below and feel free to ask us any questions you may have regarding this purchase. 
Best Regards XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The attachment states Dear client, Username : mine was used You have successfully sent of {$380.00} to your btc wallet.

This is an invoice for your recent purchase through XXXX This charge will appear on your statement as payment to COINBASE INC. within 6 hours. 
Please read the details below and feel free to ask us any Questions you may have regarding this purchase. 
-- -- -- -- -- -- -- -- -- There is much more to this professional looking invoice, I stopped above as the rest are blocks and amounts.
Product: Money transfer, virtual currency, or money service

Hello I contacted the Heartland ECSI and set up and E account in XX/XX/XXXX. Time passed and around XX/XX/XXXX. I contacted Heartland ECSI to confirm the balance could still be paid. I was told yes and that the account was XXXX and would be applied immediately to XXXX XXXX XXXX. So I paid a outstanding tuition balance in the amount of {$950.00} it cleared my account on XX/XX/XXXX via ACH Debit using my chase checking account XX/XX/XXXX. Web Id is noted below. 
EDUCATIONAL COMP EPAYMENT XXXX WEB ID : XXXX ACH debit {$950.00} Since I completed the transaction online via my Heartland account portal XX/XX/XXXX. I followed up on the XXXX with Heartland ECSI and the customer service representative XXXX XXXX Told me the amount had been paid in full. 
I contacted the XXXX XXXX XXXX registrar 's office to request transcripts XX/XX/XXXX. XXXX Student accounts office explained that they have several active services with Heartland ECSI but past due tuition collections for my XXXX student account was no longer a service they partnered with Heartland ECSI. Specifically I spoke with Mrs. XXXX who is Director of Student accounts ( XXXX ) a made it clear to me in certain terms that I needed to request a refund from ECSI and pay the university directly. That the information I received from the previous Director of Student accounts was no longer accurate. 

I immediately followed up with Heartland ECSI repeatedly contacting there offices, requesting a refund which they have refused to give me. I spoke with 3 customer service reps two managers and was told don't call anymore and that I would never see my money again. Every heartland ecsi representative has told me that they can see the payment and that the monies are sitting in some XXXX account that the University ( XXXX ) has access to so they consider it paid. The University has told me that this account is associated with a service agreement that is no longer active so they do not access this account. I insisted but to their defense I did not pay the University I paid Heartland ECSI and they can not provide proof of payment to XXXX. I call repeatedly in XXXX of each year only to find that my money sent to them 2 years ago to this day are still sitting on the companies books in some erroneous XXXX account and have not been paid to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance & Hauffman collections agency put 2 accounts on my report that had already been removed by the original company that placed them plain green. Now they are back but I am also getting emails about same accounts from XXXX XXXX. This is ridiculous how many companies are going to try to collect something that doesnt belong to me and XXXX my credit up. Whats next XXXX  XXXX will place on my report and it will be listed twice? Then this Vance and Hauffman sends me a letter saying I got a loan from XXXX XXXX in XXXX  absolutely not the case.
Product: Debt collection

I have been contacted by this company before. The most recent was XX/XX/17 at XXXX. They do not identify themselves when they call, but they do threaten to have me arrested and they have started calling my family members. In XXXX, I was contacted by them and had spoken to a gentlemen, who again, did not identify himself and he was very aggressive and abusive.I had told him I was working it out on my own. They had my social security number and access to my loan information. I have blocked the calls to my number but they are still leaving voice mails. I do not wish to respond to this organization because I do not wish to have my identity stolen.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my lease on my XXXX XXXX XXXX was up. I had called Ally XX/XX/XXXX to extend my lease 3 months. Everything was fine. I had filled out the pay work sent it back. They revived it with a payment of XXXX dollars on XX/XX/XXXX for the first month of the extension. I never received the bill for XXXX, I called and spoke to multiple people who told me it would be 3-5 business days and never received it. For XXXX they had sent me a letter saying I had never paid for XXXX and they had applied my money to other fees and that were reposing my car. They ended up taking the car from me and now I have bad credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was leasing car ( XXXX XXXX  model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XX/XX/2017. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
Product: Credit card or prepaid card

I have a re-occuring issue with Barclay 's Bank of Delaware. I have 3 cards with them : 1 ) a Barclays Credit Card 2 ) a XXXX XXXX Credit Card 3 ) a Wyndham Rewards Card I have had them for some time. I have always paid more the minimum due each month and have been attempting to pay down on all of the cards. What is irritating is Multiple times after I pay my bills, sometime with a significant amount, they will reduce my upper credit limit. My main concern is that the FICO score is based on the percentage of utilization of available credit. So when I pay down to try to reduce my utilization, Barclay 's will zap my credit limit down, with has the effect of lowering my FICO score.. Although I do have a high ratio on credit limit to balances, my debt is only about 25 % compared to my total income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.
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 XXXX  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 XXXX  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: Credit reporting

XX/XX/XXXX I electronically filed an investigation on XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I was disappointed because I don't know why there are unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report 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: Debt collection

A man named XXXX keeps calling me from XXXX XXXX XXXX XXXX XXXX in XXXX New York. They use several phone numbers and change them frequently, but the most current XXXX is XXXX. They started contacting me last year about an HSBC credit card debt that was discharged in bankruptcy in XXXX 2011. However, they are VERY rude, XXXX threatens me with legal action, tries to intimidate me, and has even verbally attacked me on the phone. I even had to change my phone number and they STILL keep calling.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital one 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. T
his 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Consumer Loan

My complaint is directed towards Regional Acceptance Corporation. I have had a loan with them for two years. My outstanding balance is not going down at all and they charge {$10.00} per day that the payment goes past the due date. In my particular situation, I had poor credit due to a loss of a job which in turn I lost my house, car etc ... ..this is the only company that would accept me, this is something I HAD to do as my mother was ill and I had to travel long distance every weekend to care for her. I lost my mother in XXXX of this year and due to the travel back and forth became late on my payment, I have never been 30 days but sometime close. My monthly payment is {$500.00} on a XXXX XXXX XXXX, now they are charging {$10.00} PER DAY late fee plus their late fee, the loan is not moving! It will never move, I will be paying this for the rest of my life! My credit is now in good shape, I just received an approval letter for a home loan, I tried to get a modification with Regional Acceptance and they said they do not do modifications! I was approved with my credit to refinance for {$200.00} less per month BUT my loan is under water and no one will touch it! The car value is approximately XXXX and I owe XXXX!!!! This is out of control! It has to be against the law somewhere for these people to take advantage like this. They are all over the web with similar complaints.