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

See the attached docuents. I want the brueau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Product: Credit card or prepaid card

I received an unsolicited credit card in the mail on XXXX XXXX from XXXX XXXX issued by Commenity Capital Bank with a {$4400.00} credit limit. I immediately called the customer service number and spoke to someone who could hardly speak English. I asked her to close the account. Hopefully she did.
Product: Credit card or prepaid card

I made purchases from XXXX back in XX/XX/2021 my XXXX account was closed by XXXX before I picked up the merchandise from the hub locker. I was sent severall messages to pick up my merchandise which I never did then recived an e mail stating it had been sent back to XXXX and I would get a full refund. The package went back to XXXX but I never received any refund. I called XXXX and got no help so I filed a dispute with citi bank they invested asked for documents which I sent showing that merchandise was never picked up and they refused to remove the charges every month I keept sending in documents showing that I returned the merchandise interest keept adding onto the card till they tried to get a judgment against me. Then they tried to say I was deceased which i am not. At that time I explained the situation and the charges were removed from my account in the meantime they closed my account I was never late on a payment..its not fair that my account was closed. I want my account re opened.
Product: Credit reporting or other personal consumer reports

I need to dispute late payments off XXXX I never paid late and its paid in full so Im confused I also previously disputed XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$270.00} They are identity theft and I sent proof of police report and identity theft report No response
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

About two years ago I shut down my store credit card with Kohls. This credit card had been opened during checkout in XX/XX/XXXX or XX/XX/XXXX by my mother on my behalf. To my knowledge I never used the card. In XX/XX/XXXX, I called Kohls to close this credit card and told them I never wanted a store card from them again. They assured me my file had been closed. 

A week ago Kohls hit me with a hard credit card inquiry. I received a new credit card in the mail from them yesterday. Without my knowledge or consent, Kohls opened this credit card on my behalf and adversely affected my credit score with a hard credit card inquiry.
Product: Bank account or service

earlier this month my debit card was stolen and somehow my entire bank account gets depleted right after recieving my check. I spoke to the bank on the phone and they told me they would be refunding my money back to my account. Well here comes the end of the month and Chase reverses there refund. So im back to negative in my bank. Im not sure why they would reverese the claik after telling me that everything would be alright. Late payments means im behind my rent and i need the matter resolved. I never claimed that i made those charges like chase claims i did. Thank you.
Product: Credit card or prepaid card

I have two cards that were due for payment yesterday XX/XX/22 and I was not able to log into my account I attempted several times throughout the day and was not able to log into my account, this is the message it was giving me Were sorry. A technical glitch has occurred and your request can not be completed. Please try again later, which I did and still nothing. I have called several times and there is no one available to answer calls. I do not want to be charged a late fee as this is something that is out of my control. Please let me know what I can do to resolve this issue. 
Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and reached out to the creditor to remove this unauthorized charge off my account and they refused. I also sent them this. This creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC1681 Section 604a section 2 states consumer reporting agency cant furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and 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 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. 


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: Debt collection

Enhanced Recovery   Group is trying to collect on a debt that does not belong to me. They also can not show proof o f any contract for the said debt.
Product: Credit reporting or other personal consumer reports

NOT CORRECTING INCORRECT INFORMATION ON CREDIT REPORT DESPITE REPEATED REQUESTS Inquiry from XXXX  XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXX'There are multiple inquiries all within one day oF each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day ofeach other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

XXXX from XXXXXXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

XXXX from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Product: Debt collection

I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

I've recently looked at my credit report with XXXX transunion and XXXX and noticed they are reporting several incorrect incorrect inconsistent information on all XXXX bureaus with XXXX XXXX acount # XXXX I've disputed this account more than XXXX times in the last XXXX years and they keep violating my federally protected rights.the XXXX  violation is transunion is reporting a high balance of {$2900.00} experian is reporting {$0.00} and XXXX is reporting {$0.00} high balance that is violation of 15usc1681s-2 the next violation is they are reporting incorrect date of last activity and violating 15usc1681e ( b ) transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX as date of last activity.the next violation is open date transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX and XXXX  is reporting XXXX0as the open dates the next inconsistency is close date transunion is reporting XX/XX/XXXX XXXX  is reporting no date and XXXX  is reporting no date as the close date.the next violation is past due amount transunion is reporting {$1400.00} XXXX  is reporting {$1400.00} as the past due and XXXX  is reporting {$0.00} as the psat due amount.the last inconsistent information is the payment history transunion has none reporting XXXX  is reporting repeatedly charge off and XXXX has no payment history reporting according to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.delete XXXX XXXX  acount # XXXX transunion XXXX  and XXXX  credit reports immediately and pay me {$1000.00} per each violation.
Product: Debt collection

IC Systems - Debt Collector For XXXX Hospital Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I had the right to demand that IC Systems disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I demanded that if they did not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). What was sent back to me as " validation of the debt '' was a forged document. The " contract '' sent to me included forged initials and signature. This is illegal. I would like action taken and the debt removed from ALL 3 credit bureaus.
Product: Debt collection

Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

Credit Karma had deactivated my account, my mom 's, my husband, my brother 's and my cousins 's. All account from which are accessed using same internet and/or sometimes, same computer. I do not know the reasons why this was done and I demand an explanation. I'm sure this is an error and will be resolved. 

Accounts in questions : XXXX ( XXXX ) XXXX ( husband ) XXXX ( mom ) XXXXXXXX XXXX XXXX XXXX ( cousin ) XXXX ( brother ) Need reactivation.
Product: Debt collection

I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent HUNTER WARFIELD a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how the agency have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( SOL ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. HUNTER WARFIELD have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating my account from the agency 's records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, without my prior, written consent. The agency has also failed to provide proof that the courts have furnished the reporting agency with these records and has failed to show where access was granted to furnish this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX Account has reported incorrect amounts, payment history and information on the account. The XXXXXXXX XXXX company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my XXXX report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX Acct. # XXXX, and XXXX XXXX  XXXX XXXX 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 or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT!!!!

XXXX XXXX XXXX did not provide the transaction details of the alleged charges made on the account before closing in XXXX of 2022. 

Willfully ignoring my simple request. 

Dates, time, amounts of changed, and business name that processed payment.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. 
I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures 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 unverifiable 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 information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION REQUEST LETTER To whom it May concern.

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities. All three Credit Bureaus are reporting the incorrect and different credit scores. XXXX, XXXX, Trans Union have all been reached out by me and contacted. Some people are reporting things on me I never verified. 

Are you Familiar with something called the 15 U.S.C. Sec. 1681i ( a ) I heard if you cant provide proof of these accounts to verify if they are correct. So, could you please check on these and get back to me?
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Personal installment loan debt with Springleaf was settled and final payment of settlement was made on XXXX/XXXX/16. Springleaf has deliberately failed to mark the debt as settled and the past due balance as {$0.00} on any of my credit bureau accounts. Instead, they have updated the balances as if the final payment ( last of 7 previous monthly payments ) was the only payment ever made.
Product: Student loan

My wife and I did borrow to help pay for our XXXX sons ' college tuition. The collection of some of those loans have passed from XXXX to XXXX or XXXX servicing companies. One batch is now services by ACS ( a XXXX company ). We have paid {$210.00} monthly for several years. But I noticed on the last statement there is no cumulative accounting of what we have paid in principal and interest. I did notice that they say the outstanding principal balance is {$10000.00}. That seems very high. Particularly when I know we have nearly paid off in full another group of loans administered through XXXX XXXX XXXX XXXX. 
The account number on the ACS loan is XXXX. 
I would welcome your suggestions as to how I should proceed. I am reluctant to go to ACS 's customer service folks until I do some research on their track record. 
Also, I noticed this story from XX/XX/XXXX. 
XXXX You can reach me at XXXXXXXXXXXX or XXXXXXXXXXXX Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, MI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late with XXXX XXXX XXXX they advised me to file a dispute with the credit agency 's. They don't show lates in their system
Product: Checking or savings account

TD Bank charged me a XXXX XXXX dollar overdraft fee over pending transactions. Transactions that were not completed yet. They said I was not eligible for a refund. I am not working and need every penny