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

Its extremely frustrating and disheartening to see unauthorized inquiries on my credit report tonight. This was completely unexpected, as I reviewed it as usual and found discrepancies. I tried refreshing my browser, but that didnt resolve anything. I urgently request a thorough examination of the documents I submitted to prevent any further issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not fixed the problem on my credit report with the reporting of a 3+ year old XXXX account with no activity from me since XX/XX/XXXX when the car was repossessed to suddenly reporting as a recent late sometime in XXXX XXXX. I am in the process of applying for a mortgage and Experian 's errors in reporting have caused my Mortgage Fico 2 score to decrease XXXX points at a crucial time! All other things in my file remained positive and the same. My mortgage FICO with Experian went from a XXXX on XX/XX/XXXX to a XXXX on XX/XX/XXXX and XX/XX/XXXX ( see attachments ) .I worked really hard to raise my score paying off everything on my credit ( except this incorrect balance on the XXXX account ) and worked to build new credit, and it is extremely unfair that Experian dropped my score like this. I need this XXXX account to report correctly as NO RECENT LATES and revert back to being 3+ years old for lates/negative activity and need ALL my points back that were taken due to this error. This is a Experian reporting problem and XXXX has nothing to do with it so please stop initiating unnecessary disputes and just fix the account. This is my 3rd complaint due to incorrect reporting of this XXXX account, and Experian still has not fixed it. At this point, I will be escalating this complaint to the NC Attorney General and possibly court because Experian is violating federal law and my rights as a consumer to have accurate information reported and refuses to correct the error. XXXX is also reporting this as a recent few months old late instead of the correct 3+ old late, and I have initiated a separate complaint with them to fix the XXXX point drop they caused. XXXX also mistakenly changed the 3+ year late to one that was a recent 1 month late account, but I disputed it directly through them and also filed a CFPB complaint on XXXX and they corrected their error. The XXXX account now reports correctly again to a 3+ year old late on XXXX XXXX and I received all my points back when they corrected. 

I need Experian to fix this problem and also correct the XXXX account back to a 3+ year old late or DELETE this account from my credit. It is unreal that I still have to request that this be fixed when the error is very clear. Please fix this as soon as possible! My lease is over XXXX and I have to move but due to this error, I can't even get the mortgage I was planning to because my scores are no longer high enough due to this error. Also, interest rates are very high and this problem is making me have a lower interest rate if I could get a mortgage somewhere. I went from having a XXXX middle FICO mortgage score to now only a XXXX mortgage score! It's a huge difference, and I had to have at least a XXXX for the special mortgage program I was going to do. Thank you.
Product: Credit reporting or other personal consumer reports

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

There is an account on my Equifax report that does not belong to me. I have tried to contact the collection agency XXXX XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with Equifax and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that XXXX used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. There is XXXX accounts from XXXX which are all medical bills that do not belong to me all fraudulent accounts with dollar amounts are as such {$140.00}, {$94.00}, {$280.00}, {$170.00} and {$140.00} I have not been sick nor have I showed my drivers license to this facility. XXXX is also a medical bill that do not belong to me that has not been validated for {$990.00}. XXXX is a collection account that have not been validated for {$1000.00} whom I have no knowledge about whom the collection agency did not validate when I asked for the information. XXXX for {$10000.00} definitely do not belong to me I tried to validate this account and got no contract with my signed signature showing that I signed any paperwork for XXXX they have not shown me that they have license to collect in my state nor have they shown me paperwork that I signed owing XXXX not the original creditor. If XXXX purchased the account I need validation paperwork. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these accounts have not been properly verified through Equifax. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.
Product: Credit reporting or other personal consumer reports

I was never contacted to check the accuracy of any information on the XXXX site. Furthermore I sent a letter on XX/XX/XXXXXXXX   to optout of all previous obligations! I ran my credit report and found all of these violations of my privacy on my report XXXX # XXXX as of XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act. The list of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX has violated my rights. 15 U.S.Code 1681 Section 602 A.

States I have the right to privacy. 15 U.S.Code 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.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account. Inaccurate information on payments of account. Per the Privacy act of 1975 " Charge off '' is a certificate of indebtness which is income and must be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n and 15 U.S.C. 1681i.

Upon reviewing my credit report, I discovered multiple false addresses and names that do not pertain to me. This information is misleading and may negatively impact my credit score. I am requesting that you investigate these discrepancies and remove any incorrect entries from my credit report immediately. 

Please find my personal information below for your reference : Full Name : [ Your Full Name ] Social Security Number : [ Your SSN ] Date of Birth : [ Your Date of Birth ] Current Address : [ Your Current Address ] The false addresses and names that I would like to be investigated and removed are as follows : XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX, ga XXXX Names XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I OPENED CAPITAL ONE CARD IN 2011, IT IS A PREPAID ACCOUNT. I GAVE THEM UP FRONT {$300.00}, IN EXCHANGE FOR XXXX CREDIT LIMIT CREDIT CARD. AFTER XXXX XXXX, I MADE A PAYMENT ONLINE THAT WAS NOT PAID BY BANK. WHICH CAUSED MY CARD TO GO OVER LIMIT BY {$300.00}. TODAY I CALLED TO MAKE A PAYMENT AND WAS TOLD CARD WAS CLOSED. I REQUESTED THAT THE {$300.00} DEPOSIT GET APPLIED SO I COULD PAY THE ADDITIONAL AMOUNT OWED. I WAS TOLD I ONLY PUT UP A {$50.00} DEPOSIT AND IT HAD BEEN APPLIED. 

I ASK TO SPEAK WITH A REPRESENTATIVE IN MANAGEMENT, AND WAS PUT ON HOLD FOR AN HOUR. PLEASE HELP SO I DO N'T GET XXXX OUT OF MY {$300.00} DEPOSIT.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiry on my credit report. In accordance with the FCRA Fair Credit Reporting Act, the account listed below has violated my Federal protected consumer rights to privacy and confidentiality under 15USC 1681. Credit card was opened in my name with XXXX XXXX XXXX XXXX Balance showed {$10.00} which was sold to collection company, LVNV Funding LLC, showing a balance of {$460.00}. XXXXXXXX XXXX XXXX  charged off the debt after not receiving payment. Once charged off, they write it against their taxes. After 4 months this becomes taxable income. Therefore, a company can no longer try to collect the debt, nor sale to a collection company. This is illegal and a violation. They " XXXXXXXX XXXX XXXX '' can not charge off the debt and try to retrieve or dell debt to " LVNV Funding LLC ''. Therefore, this alleged debt must be deleted and removed from my credit report. According to FCRA Fair Credit Reporting Act, unauthorized the items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX  XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX ( 2 hours ago ) to me, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX Hello Customer We notice unauthorized transaction from your XXXX account, If This Transaction Is Not Made by You Then Kindly Call Us for Cancellation of this Order Otherwise, your {$630.00} will be charge today Youre Order Information Description Quantity Unit Price Total Price XXXX XXXX ( XXXX XXXX {$630.00} {$630.00} Total Amount will be charge : {$630.00} Items Ordered : 1 youre Billing Information Your order number : - ( XXXX ) Transaction Id : - ( XXXX ) Thank you for your recent order with us. If you have any questions or want a refund for this order, please call our If you want to cancel this order, give us the Thank You XXXX XXXX XXXX XXXX 

Helpline Number : XXXX ( XXXX ) XXXX ( DO NOT COPY THE NUMBER I do not have an " unauthorized transaction. '' I have not placed an order. This email is similar to others I have been receiving for weeks seeking to fleece someone based on a transaction that does not exist, that the sender has divined. Notice that no company name appears.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this letter reaches, In XXXX of XXXX I purchased a car from XXXX XXXX and financed through Santander. On XX/XX/XXXX a XXXX myself and a friend were in a hit and run accident in XXXX XXXX PA XXXX The car was deemed a total lost, Santander was notified and XXXX insurance sent a check to Santander for {$17000.00}. On XX/XX/XXXX I went to apply for a car loan and was told that Santander put {$23000.00}. I called Santander and spoke with XXXX ID XXXX, who was very rude. She cut me off mid story and talked over me stating that the account was 120 days past due and is a charge off that will stay on my credit for XXXX years. I asked why and how I had such a large charge off on my account and that it was preventing from getting a new vehicle. I asked her if they could fix the mistake and she stated that there is nothing they can do since the car is charge off. When I asked her why the account was listed incorrectly if they received a check, she did not have an answer. I also asked why my gap insurance was not applied to the balance as I was advised by XXXX  that it would be. I did not have any information for the gap insurance since it was in the car. I asked XXXX for the gap insurance phone number she states that she did not have it but eventually gave me the name. I dont think its fair that a charge off for such a high amount was put onto my credit report incorrectly. This mistake has prevented me from getting a new car and resulted in me spending thousands for a rental car.
Product: Credit reporting or other personal consumer reports

Identity Theft and Financial Fraud Report I, XXXX XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX FL, XXXX, wish to file a report regarding a case of identity theft and financial fraud that occurred on XX/XX/2023. A credit of {$5300.00} has been requested with Koalafi without my consent. The transaction is associated with the XXXX XXXX XXXX XXXX store at XXXX XXXX We need an itemized list of every fraudulent transaction Please upload your spreadsheet of fraudulent transactions. Be sure to include : date, amount charged, merchant name, and any other details about the transaction. 
Please list all the fraudulent transactions. 
Are you filing this report for documentation purposes only? Are you willing to testify in court and prosecute criminally? 
Tell us about your business Business name Business address Business phone number What is your title/role at the business? 
XXXX XXXX, XXXX, FL XXXX, where I have never been. Attached, you will find relevant documentation, including information provided by the financing company. I am willing to fully cooperate in any necessary investigation. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the TRANSUNION Credit Reporting Agency that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the TRANSUNION Credit Reporting Agency is required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the TRANSUNION Credit Bureaus do not comply with the requests, I must pursue legal action. I need the listed account deleted as soon as possible : XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Letter to XXXX XXXX I submitted a letter to the credit card company XXXX XXXX on XX/XX/2021 requesting a refund of the monies paid for a product ( security doors from XXXX XXXX , XXXX located in XXXX, MD ). I submitted a letter to XXXX XXXX on XX/XX/2021 and made several phone calls to the company regarding the dissatisfaction of the product and lack/no response for service from XXXX. A formal investigation was requested with no results of follow up from either company. 

On XX/XX/2021, XXXX  removed the doors for repair as a result of filing a complaint against XXXX XXXX  through the XXXX XXXX XXXX, complaint # XXXX. We were told by XXXX that the repairs would take two to three weeks from date of pick up. During this time, I called an left a message for XXXX to come and repair the wrapping that was left on my home by the company that was improperly installed. I received no follow up communication from the company. 

XXXX XXXX and XXXX and my husband were on a conference call on XXXX XX/XX/2021. In a good faith effort, my husband agreed to have the doors installed on XXXX XX/XX/2021. This did not occur. XXXX called and cancelled. We do not have the doors and no longer want the product. The company has the doors. We are dissatisfied with the product and the lack of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue/problem is with XXXX. I have had my phone exchanged couple times, services not working, dropped calls, etc with their software. I tried months to resolve this issue, but their customer service kept putting me on hold and telling me that someone from technical support will call to troubleshoot the issues. They kept billing me enormously and hidden charges which I did not recognize. 
I called them to explain it to me and they failed to do that. Instead, XXXX XXXX  interrupted my services ( I did not have ANY DATA AND COULD NOT MAKE OR ACCEPT CALLS ) and kept charging me for reconnect fees, late charges, etc which really did not make sense when my services were interrupted and I did not have services. 

I respectfully request your company to investigate this and resolve this issues. I hope XXXX is not abusing any other customer like this.
Product: Mortgage

Shellpoint Mortgage Servicing ( Complaint # XXXX ) never sent me follow-up papers from XX/XX/XXXX to decrease the APR and/or monthly mortgage payment for my XXXX, OH XXXX property. My son lives at XXXX. In XXXX, I submitted applications for both properties ( including my residence at XXXX, OH XXXX ), but Shellpoint only gave me a modification for XXXX. The subprime rate on both properties in XXXX were part of the country 's XXXX Great Recession. I still do not want to be a sharecropper paying for properties that I will never own.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus regarding 3 debt collectors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to lates on my credit account and none of them are correct. XXXX lates were reported on XXXX and XX/XX/XXXX and XXXX in XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Product: Credit card or prepaid card

In XXXX 2020 ( can not find my bill ) I went to Best Buy in XXXX XXXX XXXX IL and purchased a gas stove and the matching microwave ( both XXXX black steel ) XXXX At the time of purchased I was offered a one year supporting agreement with the XXXX XXXX and I said no. Then I was told that if I purchased the agreement I would get a discount on the appliances that was a little bit more than the cost of the supporting agreement so I said OK ( I was saving a few dollars ). This year the contract was up for renewal and I told Best Buy I did not want to renew it, however, they went ahead and charged my Best Buy credit card for that contract in the amount of {$260.00}. When I received the first statement from Citibank ( that is the bank that carries the Best Buy credit card, I called and told them I had not made nor had I authorized that purchase. Citibank told me I had to take that issue with Best Buy, Best Buy said I needed to talk to the XXXX XXXX division and after talking to a great number of people, Best Buy finally agreed to remove the charge from my account. However, Citibank refuses to close my account insisting that I must pay them for late charges and the interest a total as of today of {$80.00}. I am refusing to pay for something I did not purchased. I wrote to the XXXX XXXX, Best Buy XXXX XXXX in XXXX, MN ; I copied XXXX XXXX, Best Buy XXXX in XXXX, MN and I have not received an answer from either office. In the meantime, my credit is getting damaged because Citibank has posted my account as delinquent. I need help. I tried to take care of this myself but I am not getting anywhere with Citibank. Best Buy has reduced my credit limit to {$350.00}, when it was a few thousands, which I really don't care because I will never again do business with that store, so I will close my account with them, but I do want my credit report to be corrected. I have not allowed any of my account to go delinquent, ever. I was charged for an item that I did not buy and I did not approved. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX