23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX ; there were a slew of illegal charges on my credit account. A total of 8 charges totaling {$2300.00}. I called Wells Fargo that same day and informed them of it. The lady said that they would be taken off my bill and a new credit card would be sent. A billing statement later, I noticed that only half of the illegal charges were deleted but half still remained. There appears to be 4 illegal charges charged twice to my account but only the initial 4 were deleted and not the other 4. Subsequent calls and in person visit to the bank have been unsuccessful to correct this. They claim that I must pay for these illegal charges and there is nothing I can do about it. I do n't know where else to turn. I only use my card for paying my utility and some small purchases here and there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has stopped reporting my positive credit history to Equifax. This has caused my score to drop over 100 points. I noticed that reporting stopped in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate this account. XXXX XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that if the last date of payment is wrong? The balance is incorrect. I never received the XXXX insurance money back or credited to the account. The date of the last activity and much more are wrong. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C.1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also, they aren't even in compliance with XXXX XXXX credit XXXX XXXX I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 months that are reported late to be removed.

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

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


XXXX XXXX, XXXXXXXX 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 or other personal consumer reports

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION Account Number XXXX Date Opened XX/XX/2017 Balance {$910.00}
Product: Credit reporting or other personal consumer reports

Hi Manager, CFPB Representative, Please see the attached documents regarding ongoing issues with inaccuracies on my credit reports. Over the past 69 months, I have repeatedly attempted to address these errors with Experian, XXXX, and XXXX, but all three credit reporting agencies have failed to comply with their obligations under federal law to thoroughly investigate and correct the reported information. 

The following are the key issues Ive identified : Re-aging of Accounts : These agencies have repeatedly updated the " Date of Last Activity '' ( DLA ) on several accounts, causing them to appear as recently active. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA, 1681s-2 ( a ) ( 2 ) ), which prohibits the illegal re-aging of accounts to extend the reporting period beyond the legally allowed timeframe.

Inconsistent Payment History : I have discovered discrepancies in payment statuses and histories across the credit bureaus, with some accounts reflecting late payments or past-due statuses even after being marked as collections or charge-offs. According to FCRA 1681e ( b ), credit reporting agencies must maintain accurate and complete information in credit reports, which has not been done here.

Invalid and Questionable Balances : Certain balances on my accounts appear inflated or inconsistent across the bureaus, indicating a failure to verify these balances properly. This violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates credit bureaus to conduct a reasonable reinvestigation of disputed information. 
Reporting on Transferred or Sold Accounts : If a charged-off account has been sold or transferred to another party, it can not continue to report as late or past due by the original creditor. This violates FCRA 1681s-2 ( a ) ( 5 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692e ( 8 ) ), which prohibits furnishing false or misleading information.

Summary of Violations These errors constitute severe breaches of my rights as a consumer under the FCRA and FDCPA, including but not limited to : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation 1681s-2 ( a ) ( 2 ) : Re-aging of accounts 1681s-2 ( a ) ( 5 ) : Improper reporting on sold or transferred accounts 15 U.S. Code 1692e ( 8 ) : False reporting of account status
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 XXXX XXXX XXXX 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

I have no idea who these people are or how this got on my credit report. I'm 100 % sure this is not mine. 

Account Name : MIDWEST RECOVERY SYSTEMS Account Number:XXXX Date Opened:XX/XX/XXXX Collection account. {$310.00} past due. 
Status Updated : XX/XX/XXXX Balance : {$310.00} Your Statement : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/XXXX. 
Historical Information XXXX - Original Creditor Contact Info - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I have been a victim of fraudulent activity and this is another request to remove the information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account and information not later than 4 business days after XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information the Credit Bureaus provided on some accounts and information are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. By the provisions of the Fair Credit Reporting Act, I request that the Credit Bureaus remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts and information were never authorized on my behalf thus I am disputing these and be removed from my Credit File. These accounts and information have caused me damage I am looking forward for these accounts and information to be removed without delay. As much as I appreciate the Credit Bureaus previous action and have some of the disputed accounts and information removed, I am a bit disappointed seeing these accounts and information still being reported without proper verification. Please help me resolve these matter the sooner the better.
Product: Credit reporting

My Ex ( XXXX XXXX XXXX, Date of Birth XXXX/XXXX/XXXX ) seems to have had XXXX credit card ending with XXXX issued under my name, and not made payments since XXXX XXXX, thus going to collection agenciesI contacted XXXX fraud investigationThey are investigating it along with local investigators in XXXX, IL police departmentPlease make sure My crdedit score is readjustedThe lady investigating this credit card fraud from XXXX XXXX XXXX who can be reached at XXXX XXXX XXXX would appreciate if this credit card fraud is reported to other XXXX credit bureausMy name XXXX XXXX XXXX of birth XXXX/XXXX/XXXX and can be reached at XXXX
Product: Debt collection

Referencing back to complaint XXXX on the date XXXX Referencing back to complaint XXXX on the date XXXX. 
This is an existing issue that still has not been resolved by MIDLAND FUNDING LLC. 
On XX/XX/2022 I, the consumer sent MIDLAND FUNDING a debt validation letter. On XXXX XXXX I, the consumer sent MIDLAND FUNDING LLC a cease in desist letter ; in response to your letter XX/XX/2022 you wrote that a cease and desist restriction only stops phone calls and mailings but in fact the law defines " communication '' when ceasing communication pursuant to 15 usc 1692c ( 2 ) " the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As I stated to you before my consumer report is in fact a medium so MIDLAND FUNDING LLC is breaking the law. On XX/XX/2022 I, the consumer sent MIDLAND FUNDING LLC an affidavit of truth via certified mail of all violations against me. On XX/XX/2022 I, the consumer sent a Fraud/aggravated identity theft letter to MIDLAND FUNDING LLC for not having my written consent nor permission to have my SSN which is aggravated identity theft in accordance with 18 U.S.C 1028A. As the original creditor I did not extend credit to MIDLAND FUNDING LLC.
Product: Credit reporting

My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.
Product: Credit card

On Friday XXXX, I opened mail addressed to me ( my last name had a typo ) from Chase. Inside the mail, it contained a physical credit card ( Chase Freedom Unlimited visa ; my name was there but with the same typo as what is on the mail address ). The credit card listed the credit access line and cash access line, and the credit card had instructions to verify the card. It also included supplemental information, including cardmember agreement rates and fees table, Rewards, Guide to Benefits, Cardmember Agreement, and Personal Information summary. 

I plan to contact Chase to have them cancel this credit card/credit line, as well as report this as fraud. 

I did pull a credit report through XXXX, and I did note the following : -My full name was listed, but I saw an additional name with the same typo as what was on the Chase credit card -I saw 1 hard inquiry in XX/XX/2023 for JP Morgan ( Chase ) -I saw multiple soft inquiries for JP Morgan ( Chase ) I am also planning on contacting XXXX to dispute these inconsistencies in my credit report, as well as assess my options regarding a potential credit freeze. 

Therefore, based from what I saw on my credit report, and because I did not apply for a credit card through JP Morgan Chase, I believe that this is some form of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequim Asset solutions has my account on my credit as opened on XX/XX/2019. I need some type of contract stating that this is the correct date. I did not receive service from them around this time. The balance they are saying is {$210.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that is a result of identity theft. I have already contacted the bank associated with this account XXXX months ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized use of my consumer file involving multiple credit inquiries that were not initiated or authorized by me. I suspect identity theft, and I am seeking your assistance in addressing this matter urgently.The following inquiries were made without my consent : 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  have not authorized these entities to access my credit file, and I believe these inquiries are fraudulent. I request that the FTC investigate these unauthorized inquiries and assist me in removing them from my credit reports.Additionally, I will be following up with the credit bureaus ( XXXX, XXXX, and Equifax ) to dispute these inquiries using the FTC Identity Theft Report that I am submitting.Please advise on any additional steps I should take to secure my personal information and prevent further unauthorized use.Thank you for your prompt attention to this matter. I look forward to your guidance on resolving this issue.
Product: Debt collection

I have disputed several accounts with XXXX, XXXX, XXXX, XXXX and XXXX that these accounts are not mine and also the amounts are incorrect for 2 years now and keep getting the same results. Just recently XX/XX/XXXX, Someone has stolen my Identity in Massachusetts and Florida. I have never visit or lived in those states. The above bureaus mention above just keep telling me information was verified. But can never send me any proof of the information or validation. Here are the list XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to explain to the last two companies. I have never lived or visit Massachusetts or Florida. I have sent my identifications to them proving myself still no response. XXXX XXXX {$3200.00} violated my rights by coming to my apartment and speaking to my property manager to gain my apartment number to leave a note on my door which could have cost me to loose my apartment I live in a senior community, coming to my home is not in the contract. this account has charge off, XXXX XXXX gave me a XXXX for there balance of {$1600.00} and stated to me I need to file as income if thats the case why do I still owe them XXXX XXXX is stopping me from getting a job because they did not tell me by surrendering my car I would still owe the same balance XXXX in XXXX is the same amount owed in XXXX, they never contacted me about any Auction on how much they got for the car they are reporting false information
Product: Credit reporting or other personal consumer reports

Privacy act of 1974 Family and education act of 1974 " I am opting out of your reporting services. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
" I am opting out of your reporting services.