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

Based on, 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 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 identity 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 report under 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 consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my full credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

I'm disputing items on my credit report from companies I never dealt with, causing problems securing fair loans. I urgently seek their removal or information for legal action. See attached.
Product: Credit reporting or other personal consumer reports

I recently reviewed copy ofmy credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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

LoanCare, a mortgage company that held the mortgage on a property I used to own reported a late payment to the credit agencies for the month of XX/XX/XXXX. I sold my property that LoanCare held the mortgage to in XXXX of XXXX so there was nothing to be delinquent in XXXX. I contacted the company to have them correct it but almost 5 months later they still show it as a dispute by consumer on my credit report and this is affecting my ability to qualify for a new loan for a new mortgage.
Product: Payday loan, title loan, or personal loan

I tried logging into the account to updated the information and to see what the balance was to see if it is matching up to what is being reported on my credit report. But I received this message.
Product: Money transfer, virtual currency, or money service

Gemini currency exchange found at www.gemini.com is a scam. I have XXXX of assets in USD held in that exchange since XX/XX/2021 and neither support nor security team has contacted me with a resolution on how to reactivate my account or withdraw my funds to move to another platform. This kind of service for a financial platform is COMPLETELY unacceptable. I want a response NOW and to be given the option to withdraw my funds to my bank. I no longer trust this shady platform. Fair warning to anyone considering moving to this platform, STAY AWAY FROM GEMINI! They will allow you to deposit money with ease and freeze your account without warning, holding your money hostage!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to XXXX, XXXX, and TransUnion disputing an erroneous bankruptcy that is being reported. The credit bureaus have failed to provide the necessary validation to keep the bankruptcy on my credit reports. I have attached the latest dispute letters and have provided the certified mail receipt numbers as evidence. 

Certified mail receipt numbers : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to all 3 credit bureaus, XXXX, XXXX   and TransUnion about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. Trans Union claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. XXXX & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX credit card & XXXX Visa Credit card.
Product: Checking or savings account

On XXXX I mobile deposited my check. I had no previous warning or anything but as soon as I hit deposit check, thats when it told me my check would be on hold for 7 days!!! Who holds a check for 7 days?? I just deposited the same exact amount from the same exact company two weeks ago and had no problems! I called customer service and they could not give me no answer or help at all! How can you customer service not be of any help! This is ridiculous someone has yo wait on their hard earn money for 7 days over a holiday weekend! This is my last time using this bank!
Product: Debt collection

I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ).

I also didn't give them permission to give my personal info to a third party without my permission. I would like for this account to be DELETED from all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Have talked to Hyundai they say account shows XXXX sent letter that account closed but web shows XXXX Disputed on line with XXXX  sent letters to Hyundai all reporting agencies disputed come back missing payments account past due account was paid in full XX/XX/2020. Wife co owner shows account closed paid in full so not sure why this is happening
Product: Debt collection

No chance to validate debt, verify the debt, I did not receive the notifications about the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bank of Hawaii Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have been sending in information to correct my consumer report for over 5 years. I should have financial relief as this has cause irreplable damage to my life. I have reached out to Equifax to do their job. They have violated 15 USC 1681c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ), 18 USC 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : 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 am the victim of identity theft. I learned this fairly recently but it has been a few months now. I followed all of the procedures correctly and I filled out all of the reports just like I was supposed to and sent them off to the credit bureaus with my IDs attached. The problem is that they have not responded to me AT ALL and it has been well over the 30 days they have by law to do so. I know that I have rights under Federal Law but these credit bureaus seem to think they are above the law! Please help me. This is really messing me up!
Product: Credit reporting or other personal consumer reports

I have repeatedly sent letters to the creditor XXXX XXXX. I have sent multiple letters requesting to exercise my right to opt out and the company never responded last letter was sent XX/XX/XXXX. The account is reporting as a charge off which means the company received a tax break on the debt which now makes the debt a certificate of indebtedness. Per the IRS Publication 4681 states reporting cancelled debts as income, Generally canceled debts must be reported as income on your tax return, and you may receive a form 1099-c from the creditor reporting the canceled debt amount to the IRS and to you. I have not received a 1099c from XXXX XXXX. I have also sent a letter to opt out of the account reporting. The company continue to report the account disregarding the letter I as the consumer sent to opt out. This is also a violation of the Privacy Act of 1974 which aims to protect rights of individuals by regulating how federal agencies collect, maintain, use, and disclose personal information, including provisions related to sharing personal information to third parties. XXXX XXXX stated they will not share my information with any third party affiliates but yet the credit reporting agencies have my information without my consent. Account listed below XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive at least three text messages a week regarding a debt owed to TrueAccord. The text message does not specify an amount owed, nor does it specify what the debt is for. The link in the text message directs me to a website that asks XXXX to resolve a debt owed to XXXX XXXX XXXX. My name is not XXXX and I've never heard of XXXX XXXX XXXX. I have attached a screenshot of the webpage I was taken to. The phone number the text message comes from is ( XXXX ) XXXX. I have reported the issue to XXXX as spam, but the text message continues to come through to me. I have called TrueAccord 's number ( according to a XXXX search ) and got through to an operator with an XXXX accent. I immediately hung up the call assuming it was spam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : AMEX - XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are incorrect, since i do not recognize them, please investigate them and delete them. 

Accounts : 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 XXXX XXXX never received any notice of statement before 21 days of the due date from XXXX XXXX XXXX  ss # XXXX. Can the creditor please show proof of the statement delivered to me. If proof can not be obtained please correct/Delete inaccurate information being reported.AS stated in 15 u.s code 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. 
The consumer reporting agency failed to ensure all information was accurate even after my past disputes ensuring that the creditor has followed the correct procedures.
Product: Debt collection

The company issued a debt collection letter prior to the due date for the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
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 XX/XX/year> to XX/XX/year> 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: Checking or savings account

account was closed in XX/XX/XXXX there was an automatic payment attempt so there was a {$35.00} fee. the next month additional fees were applied until they sent me a bill for {$130.00} dated XX/XX/XXXXXXXX. First time i even was informed there were monies owed! I called Citizens bank XXXX unit and they told me these were just fees and they should be removed. But i would have to go speak to the branch manager. I went to see the branch manager and she basically told me I'm a deadbeat and i would have to pay this.My questions are this why did citizens wait 3 months to inform me i owed this? Why would citizens bank keep chaging interest and late fees on a closed account? And why wait until these fees are {$130.00}?
Product: Student loan

MOHELA forgave my student loans under XXXX back on XX/XX/year>. They confirmed I made XXXX direct consolidation loan overpayments and said the XXXX would reimburse me. I filed a complaint with the ombudsman XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. It is " in review ''. I have heard nothing. Any assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency Act, account 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 XXXXXXXX 15 U.S.C. 1681 Section 602 A states have a right to privacy.

15 U.S.C. 1681 Section2 It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Debt collection

I am very dissatisfied with Alliance response to my previous response I submitted. In their response they indicated that I verified the debt as my debt and I never verified the account to be my debt. Furthermore I never received any anything verifying that it is my account. Secondly I requested for the company to stop all collection attempts and they stated that they would mark it as disputed. I am request that this erroneous information is never placed on my credit report.because that would be in violation of my rights and the laws of the FCRA.I am very dissatisfied with Alliance response to my previous response I submitted. In their response they indicated that I verified the debt as my debt and I never verified the account to be my debt. Furthermore I never received any anything verifying that it is my account. Secondly I requested for the company to stop all collection attempts and they stated that they would mark it as disputed. I am request that this erroneous information is never placed on my credit report.because that would be in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX 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 XXXX 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 XXXXXXXX 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: Vehicle loan or lease

I needed a car, I went to the local ( bolles in XXXX XXXX  ) dealership and they informed me despite my XXXX credit score and ( at the time ) full time XXXX XXXX an hour job I would have trouble finding a loan. 
They ( XXXX XXXX ) set me up automatically with a loan through Ally at XXXX APR to the tune of XXXXXXXX XXXX  for a used XXXXXXXX XXXX XXXXXXXX with problems they had " solved ''. I needed a vehicle desperately so I traded the XXXX XXXX XXXX I had paid XXXX XXXX  to own outright ( had numerous problems and wasn't a viable car considering I had a child on the way ) which they " credited XXXXXXXX XXXX  towards the loan ''. Now i've been paying on this vehicle for a year and a half on time every month ( XXXXXXXX XXXX  per month ) and i still owe XXXX on it. The XXXX XXXX appraises at XXXXXXXX XXXX ( as per my local assessor ) hardly worth the price the dealership put on the vehicle, but in addition to that when I left a bad review on XXXX to warn others about this dealership I received a call from an individual ( who's name I'll leave out of this for his offer to try and resolve this ) who claims to have bought the dealership ( unconfirmed ) and wants to help solve the problem I'm having. He wants a copy of my house title, proof of income, and proof of employment, which I feel may only complicate this and possibly make our situation worse. I feel like I not only was sold a lemon but also fell prey to a predatory loan, and possibly was discriminated against by Ally for being a white male ( which was asked by Ally of the dealership when this loan was enacted ). I'm trying to rectify this the right way, and I'm intended on reaching out to lawyers regarding the situation, I'm not sure what state I should be looking in as I now live in Arkansas, the vehicle was purchased in Connecticut, and Ally is situated in Michigan. If we can avoid litigation I think that would be preferable to everyone involved.
Product: Credit reporting or other personal consumer reports

The Company reported my loan as 30 days late 3 times ( XXXX, XXXX, XXXX. ) on the report which it is not. The latest being for XXXX  even though we are still in the month of May. I contacted the Company and Bureaus to report it and it was verified by the Company. When I called XXXX they claimed they don't have a credit reporting department and therefore there was no one to talk to and to contact the Bureaus. It has jus been a back and forth...
Product: Debt collection

I learned that there was a new collection account on all three of my credit reports from Convergent Outsourcing with an open date of XX/XX/XXXX, amount of {$910.00}. The original creditor was XXXX XXXX. This can not be mine as XXXX XXXX does not service my local area in Illinois. I have never received any type of communication from either XXXX XXXX nor Convergent before this was added to my credit report, which violates Federal Laws, and still have not received any communication from them to this date. 

Also, I have had other collection agencies try to collect a very similar debt in the past which has always been deleted from my credit reports. If this is the same debt, Convergent has violated the Fair Debt Collection ( FDCPA ) and FRCA laws as this is Debt Parking. 

Because of this, I was unable to obtain a mortgage in XXXX of XXXX, that I put an offer on. I am very upset about this.