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

Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial XXXX and XXXX.
Product: Debt collection

I worked on a customers house in XXXX of XXXX. The customer summitted his credit card and said Square charged his card, but Square never released the funds into my bank account. They said there was a dispute and it was resolved in my favor. Square never paid me the amount they said I should receive. At this point Square refuses to discuss the issue with me. They do not respond to my phone calls or emails. The amount in question is {$4600.00}. I have gone after the customer, He says it is out of his hands. Square will not release my money.
Product: Debt collection

This is part of a complaint I made to the FTC, # XXXX and a follow-up complaint I made on XXXX XX/XX/XXXX # XXXX. Credence Resource Management claimed I owe {$360.00} to either XXXX XXXX XXXX XXXX XXXX ( they keep switching who they say I owe it to ) and when I called them, they said that they knew I didn't actually owe this money, but they put it on my credit report. XXXX XXXX XXXX originally said I didn't owe them any more money when I canceled my account. Three months later, they just made up an amount for service they hadn't given and reported it to Credence Resource Management who tried to collect it without ever telling ME that they thought I owed it. XXXX XXXX XXXX never sent me a bill for it, but XXXX did. When I talked to them, XXXX XXXX XXXX said ( on 4 occasions ) that I didn't owe them anything. and XXXX sent me a written statement that I didn't owe them anything. Credence stated to me that they knew I didn't owe this money, but they put it on my credit report anyway when I talked to them on the XXXX of XXXX, XXXX. But they won't take it off my credit report. XXXX XXXX XXXX told me that they had decided that I owed them {$140.00} for service that ended on the XXXX of XX/XX/XXXX, that they previously told me I did not owe. XXXX says I owe that amount to either XXXX XXXX XXXX or them, but that it was incurred in XXXX, after they also told me I don't owe them any money.
Product: Credit reporting or other personal consumer reports

I was a victim of the equifax data breach and my identity was used. a Personal loan account was created by XXXX XXXX. This account was opened XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

I had a auto loan with Wells Fargo, one month XXXX sent them a auto payment it was returned the next day. XXXX says it was Wells Fargo who sent it back Wells Fargo says it is my bank. I just want it off my credit i XXXX said they would take it off, but Wells Fargo is reporting it. Wells Fargo will work with me at all they have just been hanging up on me.
Product: Credit reporting or other personal consumer reports

Original creditor is XXXX XXXX XXXX  The debt now belongs to National Credit System I have been a victim of identity theft this account is not mine and I have no knowledge of this account!
Product: Debt collection

I 've tried to contact ERC regarding a XXXX bill from XXXX XXXX. It was briefly removed through a challenge, but now it 's back. I 've had a XXXX phone since XXXX. I have emailed and called asking for proof that this is my account, but I have not heard back. This is my last resort. The collection is for {$350.00}, but I have not seen any documentation. I only have 10 days left on free credit monitoring from XXXX, after which I will have no way knowing if it 's still reporting. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunionis neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like you to delete the accounts permanently : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I tried to fix this problem more than once and XX/XX/XXXX again in XXXX also XXXX. Then I get a letter from XXXX, XXXX and XXXX stating that my personal information has been compromised so my credit report and score is incorrect.So this information needs to be fixed immediately before I file an lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. XXXX refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your Transunion still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Equifax for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XXXX XXXX, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Checking or savings account

To Whom It May Concern, During my school years, my HSBC bank account was compromised and there were unauthorized withdrawals. 

I had vehemently contested this with evidence of : 1 ) two police reports 2 ) a letter from the US embassy XXXX ) video ATM proof from the local police of the illegal withdrawal that was not me XXXX ) Suspect mugshots I wrote many times about this case. XXXX XXXX previously mentioned that no account exists, but this is because I have closed my account. 

I wrote to the CEO and complaints team many times. 

Are you able to assist.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXX/XX/XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, XXXX and Experian, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSincerely, XXXX XXXX EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX
Product: Mortgage

After generating bills 16 days after the due date from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX Nationstar claimed I was late for 16 months. The company originally charged me for XXXX deferred late fees on the date of onboarding the loan, then charged me for XXXX deferred late fees which they kept unearned lender and late fees, and after keeping unearned fees for foreclosure services that were never performed by any party at all, still being held in suspense simply because the process was put on hold as per XXXX XXXX to the XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX I sold my home without any foreclosure process occurring except a petition filing on XX/XX/XXXX. Without my knowledge, Nationstar allocated {$11000.00} toward XXXX late fee payments attached in the transaction history in lines XXXX. Lines XXXX claim I paid {$10000.00} for XXXX late fees. This was impossible, and did not occur over the 85 months the loan was active and serviced by XXXX, XXXX XXXX XXXX, and Nationstar. Nationstar refuses to correct clear errors in inaccurate payment allocation that negatively affect my payment history during the full life of the loan and that was concealed as inaccurate for the last 8 years with manipulated detail reports. During the 16 months this company serviced loan XXXX in XXXX Nationstar tried to scare me with a foreclosure petition while I sold my home voluntarily tanking my home 's fair cash value by {$18000.00}. In XXXX, this company paid me {$5000.00} to resolve all of my claims, without disclosure they owed me a refund of {$6000.00}. They tried to have me sign a compromise and settlement agreement I had outright rejected and refused to sign. The counsel from XXXX XXXX XXXX XXXX XXXX revised the agreement to entirely remove compromise and, compromise of, in compromise and compromise, to which he emailed had my husband and I sign, and then he forged our revised agreement 's signature onto the rejected agreement, and is now trying to profit off of this forgery by seeking attorney 's fees in court for attempting to enforce an XXXX forged agreement against me. The same attorney will be charged with claiming to respond to this complaint, and he will only threateningly try to force me to withdraw my court-requested relief in obtaining a corrected transaction history that is so outrageously inaccurate it stuns the senses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute Regarding Charged-Off Accounts and Missing 1099-C Forms Dear CFPB, I am writing to file a formal dispute regarding two charged-off accounts that appear on my credit report. The creditors for these accounts did not provide me with a Form 1099-C, Cancellation of Debt, as required by the IRS when a debt is canceled, forgiven, or discharged in excess of {$600.00}. 
According to IRS guidelines, creditors must issue a 1099-C form when a debt is charged off and considered income for tax purposes. Failure to receive this form not only hinders my ability to accurately report my taxes but also raises concerns about the validity and handling of these accounts. 
I kindly request the CFPB to investigate this matter and ensure that the creditors comply with federal regulations by providing the appropriate 1099-C forms or rectifying the status of these accounts on my credit report. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 90 day reporting past due on my credit with Dept of EDXXXX XXXX XXXX of 2019 is incorrect.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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!

Update the late payments from my consumer reports
Product: Mortgage

I am not happy with the support I received when I tired to changed my bank account. I will file a complaint with our Federal Regulators on my account.
Product: Credit card or prepaid card

The company XXXX XXXX XXXX XXXX Fortiva opened an account in my name which they claim is for new equipment for my XXXX security system. I relocated from XXXX  to XXXX and upon relocation I had XXXX   move my service. The second technician to arrive at my house stated they did not upgrade my equipment and used some equipment from my prior home. I never signed an agreement for this account to be opened to finance my equipment and I did not authorize this account to be opened in my name. If they have a signature it is not mine. This account needs closed and removed from my name immediately. This is fraud and a violation of CFPB consumer credit guidance. This company can not produce my authorization to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the amount told for united accounts 3 total payment for delete now two are closed not deleted and one still shows open spoke to a woman XXXX told it was not her problem I need all three deleted as promised and I don't know what to do since XXXX since not her problem a manager. I need this fixed immediately like promised when I spoke about the dispute process I was doing she stated they just send the dispute back as validated it would cost to much money to go and validate every dispute they have its the customers job to figure it out with the original agency ... the original agency told me it was in united accounts now and they had nothing involved since the debt was theirs now I need these deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX with XXXX   and hoping i can move in my own place in my own name for once
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX amd I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$69.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX AR XXXX Balance : {$51.00} Medical ( Original Creditor : ) XXXX Balance XXXX {$200.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.