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

Early Warning Services does not have a way to report fraudulent information, and there are Inquiries on my Early Warning Services report that I have not authorized nor did I apply to any of these companies. I am a victim of identity theft, and per law 605 ( B ) I have a right to request information resulting from fraud or Identity theft to be blocked from my consumer file. These inquiries are listed below, and I want Early warning services to correct it immediately. 

Inquiries - XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

When Collection Center Inc. was trying to collect this debt for   XXXX   XXXX   XXXX   bills. They called me in  XXXX  of 2017 and asked me where best to serve me. I told them I lived at   XXXX   XXXX   XXXX   XXXX     XXXX , Wyoming  XXXX  but I would be moving shortly after graduation. I moved out of my residence on  XXXX   XXXX  2017. They served papers to my former roommate   XXXX   XXXX   on  XXXX   XXXX  2017. He did not inform nor was he required to. I would not be made aware of this until I received a forwarded letter from   XXXX   XXXX   XXXX  , Circuit Court saying that Collection Center Inc. had won a judgement against me because I failed to appear. I was n't afforded my right to defend myself because I was n't served papers in the county where I resided. This is a illegal judgement because federal law requires that they inform me they are attempting to collect this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Missed LATE Payments last reported {$960.00} XX/XX/ XXXX XXXX XXXX XXXX XXXXXXXX late payments last reported {$590.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX  Missed late payments last reported XX/XX/2022, and XXXXXXXX XXXX XXXX  XXXX Missed late payment last reported XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022. XXXX XXXX XXXX XXXX {$8900.00} XXXX owe them that's in collections they are not the original creditors. 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently went and applied for a car at a XXXX dealership but when ever they ran my credit they hit me with a BUNCH of Hard Inquiries : 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 CO * XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * ON-SITE XXXX XXXX * XXXX XXXX  XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX, XXXX XXXX * XXXX AUTO SALES LL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to TransUnion to validate and delete XXXX XXXX Account Number : XXXX and XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.
Product: Credit reporting or other personal consumer reports

Consumer has repeatedly asked Wells Fargo to redeem accuracy of information being reported. 
Wells Fargo claims consumer was late in reporting for the month of XXXX as reported on consumer report. Upon further investigation consumer has pulled a current consumer report and found that Wells Fargo is reporting late 30 days for the month of XXXX and has no data for the month of may. Further Wells Fargo has stated in a letter dated XX/XX/2023 that they can confirm that the reporting for XX/XX/2023 was for the month of XX/XX/2023. IF consumer was in fact late for the month of XX/XX/2023 on top of the fact that there is no data reporting for the month of XX/XX/2023 on consumers, consumer report that proves Wells Fargo in fact is inaccurately reporting information. Wells Fargo also stated in said letter that alleged loan was transferred XX/XX/XXXX proving they have no ability to report for said month.
Product: Student loan

On XX/XX/XXXX I contacted Nelnet to request an Administrative Forbearance for Joint Spousal Consolidation Loan ( JSCL ) borrowers and was told that I was granted an administrative forbearance for one year and that my next payment due date would be in XXXX XXXX I was read the prompt for receiving the administrative forbearance and I agreed to the terms. The administrative forbearance was also reviewed and approved by the Nelnet phone representative 's supervisor. It is now two weeks later and the forbearance is not applied to my loans. I was not informed that there would be a delay in issuance of the forbearance. I and my ex-wife, who is also responsible for these loans, have called nelnet daily for four days. I have spent 3-4 hours per day on hold with Nelnet without an answer. We have not received any correspondence confirming or rejecting administrative forbearance. 

I previously requested administrative forbearance several months prior and after it being granted initially it was retracted and I was told that Nelnet had not yet received guidance from the department of education to issue administrative forbearances, despite the fact that this is described on the department of education website and other loan servicers have issued administrative forbearances to JSCL borrowers. However, Nelnet has now begun issuing administrative forbearances to to JSCL borrowers with FFEL loans. I know of several borrowers with the same type of loans that have received administrative forbearance. 

I am requesting that my administrative forbearance take place immediately and I request all communication, notes and documents regarding my loans over the past year. My ex spouse and I also re-certified our IDR, but this process took several months and was delayed by Nelnet 's delayed response times, poor communication and instructions, and elimination of my access to my Nelnet account as well as refusal to include me on communications. Currently, all communication goes to my ex spouse who does not readily communicate with me.
Product: Credit reporting or other personal consumer reports

Im Respectfully Requesting that the credit bureau remove the late payment reflecting on my credit report with XXXXXXXX XXXX XXXX XXXXXX/XX/year>. I spoke to a representative in the credit department with XXXX 's, Consumer stated that there company do not report 30 day late payment they only report 60 days late i was told to dispute this late payment with the credit bureau the information that is reported as late is inaccurate if this late payment is not removed from my credit i will report this to the Im with auto pay on all my accounts. 
I have never been late on any of my payments with any my bills, also there inquiries not not Authorized by me which appears on my credit please remove them as well Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus, who profit from people having bad credit, is manipulating report information to keep certain people scores low. I pay my bills, all of, pretty much on time. When I miss XXXX payment for 1 month, which does not happen often, my score drop pretty much up XXXX points. I have been XXXX with the same credit scores forever XXXX to XXXX. Sometimes it drops to XXXX. Really. I pay my Bill 's, I make XXXX a year. This practice mainly affects minorities. Also why is Equifax still allow to provide credit scores. This is disgusting
Product: Debt collection

The complaint is against one of the Telephone/Internet companies in PR ( XXXX ). 
The service was cancelled on the XX/XX/XXXX due to bad service ( various reports of interruption in the service, delays in follow up and time the repair job was coordinated and completed and the charge for a service was not given ). 
Even though all those issues, I had to wait until the end of the contract to cancel the service. Due to the fact that I signed for a service that I never received. That is, I extended the contract agreement to have an upgrade in the internet velocity to find out the service was not available to the area of residence. So, I had to wait on a contract to expire when the service was not provided. 
The service was cancelled on the above mentioned date and I remember asking the Account Representative to give me the ending balance as of that day. I asked her if she could do that and agreed upon the final payment. The payment was done and the Service Cancellation - Client Receipt was issued. 
To my surprise I received a letter stating that I had a debt for {$23.00} from the internal collection agency of XXXX ( CICA Collection Agency , Inc. ) dated XX/XX/XXXX. Called XXXX and was told that the debt came after a final audit. What audit do they need when you can see all the records online? Besides, that was something worked at the time of cancellation, not otherwise. 
Where do I raise the flag and think about this being a fraudulent tactic and something to bring to the attention of the authorities and for an audit not only of my account but other accounts? 
When in a conversation with other office workers at lunch they told me they had a similar issue once they cancelled the account and something like {$23.00} was the amount owed after a final audit. Since it was a small amount the paid it and forgot about it. 
Once again, I am convinced the charge is not a valid one, more so, is a fraudulent one requiring an investigation.
Product: Bank account or service

My mother signed XXXX personal checks totaling about {$20000.00} to my aunt XXXX XXXX XXXX. XXXX opened a Chase savings account and deposited those checks. My mother 's XXXX bank verified the checks and Chase withdrew the money from my mother 's account on XXXX/XXXX/2016. Chase deposited the money into XXXX savings account on XXXX/XXXX/2016. Immediately after the deposit, Chase withdrew the full amount back and locked my XXXX account. Chase did not return the money back to my mother 's account and refused to give the money to XXXX. My mother passed away on XXXX/XXXX/2016. I was her Power of Attorney relating to her physical and mental health at the time when the checks were signed ( XXXX/XXXX/2016 ). I am also on my mother 's will and a beneficiary of her bank account. I even witnessed those checks being signed. My older aunt, XXXX XXXX, was/is my mother 's Power of Attorney of Property and Personal Affairs. Thuy also came into a Chase Branch to verify those checks.The documents containing the will, death certificate, power of attorney, and the beneficiary information of my mother 's bank account has been presented and/or scanned by a Chase banker. Chase told me that someone must petition for executor of my mother 's estate in order to get the money to XXXX. Petitioning for executor of estate is a very long, expensive, and time consuming process. I do not have time and the money to do this, and we need that money immediately. Chase still has not returned the money to my mother 's account or given the money to XXXX. Today is XXXX/XXXX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLE CARD - GS BANK XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX - - XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX - - XXXX - - - XXXX - - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX XXXX XXXX CO - - PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX XXXX Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXX PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
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 reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from chase for my business called chase ink preferred with a 23,000 line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to chase credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but chase is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away
Product: Credit reporting or other personal consumer reports

Data breach Name XXXX XXXX Address XXXX XXXX XXXX XXXX, Al XXXX XXXX XX/XX/XXXX LAST 4 of SSN XXXX DATE XX/XX/XXXX Bureau Name Equifax Legal Recently, I did an investigation on my credit report and fould several items on there to be inaccurate. 

Under U.S. CODE 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. CODE 1681i ( 5 ) Treatment of inaccurate or inveriable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of the information, as appreciate, based on the results of the reinvestigation ; and ( ii ) promptly notifying the furnisher of that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit score report, immediately :
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation.

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard.

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges.

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred.

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.
Product: Debt collection

This account has been reported as delinquent on my credit report which violates my rights to privacy
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDLUENT ACCOUNTS ON MY REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i had a dispute with Bestbuy. 
I tried to get in touch with them for about a month. E-mails calls letter to supervisor by mail. Because i had no luck with contacting them! I called Citibank the bank the card is with .... 
In XXXX Citibank listed this dispute with all 3 credit bureaus ... .I called an spoke to XXXX XXXX supervisor she said shes was going to see what shes could do. Not very helpful .... the account has a XXXX  balance but I cant get Citibank to remove it!!! Im trying to re-fiance because of this virus times are really tough ... But because these dispute are on my reports i can not make the loan until they are removed ... shame on Citibank for doing this at this difficult time. This has caused a lot of Stress Iv written letter e-mails called many many time only to be disconnected. 
Please help I need this loan .. 
Sincerely XXXX XXXX
Product: Mortgage

My mortgage company took money electronic out of bank and did not give me credit for my payments. Got a modification six months later they increased my payments