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

I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX XXXX and have provided the corroborating documentation as evidence. 
I spoke with XXXX XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an XXXX representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my XXXX credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Mortgage Acct : XXXX as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX as 30 days late. 
I am providing a copy of my XXXX credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Equity Acct : XXXX as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX as 30 days late. 
Since I have filed my complaint with XXXX XXXX, the representative and the company provided me with the Discharge of Mortgage ( see copy ) on XX/XX/XXXX which was submitted on XX/XX/XXXX. 
I believe that the computer programs that XXXX, Experian and XXXX utilize is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over. 

I have spoken with representatives from XXXX, Experian and XXXX in an attempt to have this problem corrected and properly reported so that these negative accounts will be removed in accordance with the 7 year timeframe.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX ACCOUNT # XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATE MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. SECTION 604 A. SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that has been confirmed to be fraud by the company. It should have been removed from my credit report already. It is still showing on my credit report. I am asking for it to be removed asap. I have uploaded the letter from the company.
Product: Credit card or prepaid card

Amex was offering a XXXX bonus points promo for spending {$4000.00} within the first XXXX months of having the AMEX gold card. I opened the card in early XXXX and met the spend limit by the end of XXXX. The points were supposed to be credited after meeting the spend. I never received them. I have contacted AMEX a XXXX XXXX times. Each time they say they're investigating, and tell me the investigation will take another XXXX weeks. They have told me there is a need for a new investigation every time I have contacted them and have continued the pattern for almost XXXX months. They have confirmed I should have received the points, but each time they tell me I will get them in XXXX weeks. I check back after XXXX weeks and they say " we don't know why you didn't get the points, we need to conduct an investigation that will take another XXXX weeks ''. This has occurred XXXX separate times now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX, XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX, XXXX XXXX, XXXX, & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX, Dated : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, Dated : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give permission to furnish this information on to my credit reports. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand the credit bureaus to produce a contract between them, I, and the consumer bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted two of the credit reporting agencies about 90 days ago, XXXX and Transunion, regarding a collection on my report of {$4400.00}. I requested that they provide me verifiable proof of this and the supporting documents, and that I wanted to dispute this. Only XXXX responded with a statement that they verified this. However, this does not comply with the FCRA, particularly sections XXXX and XXXX. I then wrote both bureaus that inasmuch as they had failed to comply with the law, this item should be deleted from my file. I have given this more time than the law provided. This misinformation has caused me a great deal of credit problems. 
Thank you. 
Respectfully submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep having these collection accounts pop up on my credit file that do not belong to me. I have medical insurance so i'm not sure who is using my personal information to obtain medical attention.
Product: Checking or savings account

My account was closed on XX/XX/XXXX for violating terms and agreements of my account. I was asked to verify my identity and verify where the funds came from to prevent fraud. I had done so multiple times and was just told they will not be refunding any money received from a life insurance policy and employment. They couldn't even disclose what exactly did I violate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} XXXX, XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Debt collection

Dear Sir/Madame I am writing to file a complaint against for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer. 
1. Failure to Provide Validation Information I received a communication from CREDIT CONTROL , LLC stating that I owe a debt of XXXX XXXX XXXX XXXX. However, the collection agency failed to provide me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ), which includes the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission violates my right to ensure the accuracy of the debt before it is reported to credit reporting agencies. 
2. Lack of Opportunity to Dispute the Debt Furthermore, the collection agency has not provided me with a clear and straightforward method to dispute the debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of access to the dispute process hinders my ability to challenge the validity of the debt. 
3. False, Misleading, and Deceptive Practices The collection agency 's actions constitute a violation of 15 U.S.C. 1681-s-2 ( 7 ) ( A ) by using false, misleading, and deceptive means to collect the debt. Their failure to provide validation information and opportunity to dispute creates an environment of pressure and confusion, which is unfair and unlawful.

4. Furnishing Information to Credit Reporting Agencies Without Proper Disclosure Additionally, the collection agency 's attempt to report the debt to credit reporting agencies without providing the necessary disclosures outlined in 12 CFR 1006.34 ( d ) is a violation of my rights. This action could negatively impact my credit score without ensuring the legitimacy of the debt. 
5. Request for Resolution Therefore, I am requesting the CFPB to investigate these violations and take appropriate action against CREDIT CONTROL , LLC This includes : Instructing the collection agency to cease all collection activities until they comply with the FDCPA. Requiring the collection agency to provide me with the missing validation information and a clear process to dispute the debt. Preventing the collection agency from reporting the debt to credit bureaus until its accuracy is verified. Furthermore, I request the following documentation from the collection agency : Debt validation document as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Proof of their agreement to purchase the debt from the original creditor. Also, disputing owing any and all debt to them, revoking all rights of them communicating with me through email, text, and call. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020
Product: Credit reporting or other personal consumer reports

I have contacted these companies and the credit reporting agencies to let them know I dont recognize these inquiries and they refuse to remove them. 

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 recently had to pull my credit report because I was going to apply for new employment and found violations on my account which will hinder me from getting new employment. I understand pursuant to 15 US Code 1681a2B that and I quote any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) which states a credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card.

I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. 
I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new job. I have sent notarized letters to this consumer reporting agency and I have not received a response yet.
Product: Credit reporting or other personal consumer reports

I have a personal loan with Comenity Capital Bank through a credit card for XXXX  XXXX through XXXX XXXX XXXX XXXX  that was issued XX/XX/XXXX. 

I have a derogatory mark on my credit reports due to a " late payment '', however, I attempted to make this payment a couple of times and was not notified of the returned payments or that an XXXX is not an account that a payment can be made from. 

The first time was on XX/XX/XXXX for {$470.00} and the payment was confirmed to have been processed on the Bank 's website. However, also on XX/XX/XXXX, it was returned " returned payment '', but I was not made aware of the returned payment when it was returned. Again on XX/XX/XXXX, this occurred again - a payment posted of {$950.00} to their website and then a returned payment also posted, however I was not made aware of the returned payment when it occurred. I called on XX/XX/XXXX and made another attempt of {$950.00}. I was told that it may have been the account number / routing number I attempted to use, so I used a different one after contacting my XXXX  bank. 

I had also called prior and setup the payment with a XXXX XXXX Account ( XXXX )- which is a Banking Account. Their website stated that it needed to be a Bank Account. I confirmed again with the person on the phone that it was an XXXX- so they were aware and did not indicate that an XXXX did not qualify as an account they could pull payments from. In fact, the first time I've been notified of this is in their reply to my credit dispute indicating the below : " After a quick review, I see that your payment was returned due to XXXX Account - that is loan account. Hence your account fell XXXX billing past due on XXXX consideration of your request for a goodwill adjustment, we will review our records to check if we are able to make any adjustments to your payment history as requested. Upon completion of our research, we will notify you of our findings. We appreciate your patience while we are conducting our review. 
If you have any questions, please click the reply button. 
Sent : XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  ) To : You Subject : Re : Credit Bureau XXXX XXXX ID : XXXX '' It is now more than XXXX  days later ( XX/XX/XXXX ), and I have not received further correspondence from them and I still have a late mark on my credit report.
Product: Debt collection

Paid XXXX XXXX settled for $ XXXX paid and have proof of payment Then sold to XXXX XXXX on XX/XX/XXXX for original amount of XXXX with no notation of payment/settlement Now sold to Capio group on XX/XX/XXXX for same XXXX XXXX  is also trying to collect on the same amount again.
Product: Credit reporting or other personal consumer reports

This hard inquiries do not belong to me : XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was notified by XXXX XXXX monitoring that a new inquiry was opened using my credit/information. 

I received an email from Bank of America on XX/XX/year> that someone applied for a for XXXX  XXXX XXXX XXXX Credit Card. Of which I did not apply for, I have no knowledge of any amount that was being considered for the card or any other information regarding the application. 

XXXX flagged the application as fraud and froze my XXXX credit report and placed a fraud alert to the other reporting agencies. I then went and placed freezes on the other two reporting agencies XXXX and XXXX
Product: Credit card or prepaid card

On XX/XX/20, I received a notification from XXXX XXXX that my XXXX XXXX store card had been closed. It was a surprising coincidence as I attempted to use my card online on XX/XX/20 but it wouldnt process. I attempted to resolve the issues by phone but TD Bank, the servicing bank, could not provide me any answers. 

On XX/XX/20, I called TD bank again and the associate stated my card was closed due to inactivity. The associate then stated my card could have been closed since XXXX XXXX now services XXXX XXXX store cards. 

Again, I did not receive a definitive reason why my account was closed and I still have not received notice from TD Bank that my card would be closed.
Product: Credit card

On XX/XX/XXXX of 2024 I visited a XXXX while traveling to see my friend in New Jersey. This was the XXXX XXXX NJ XXXX location. I went to the back section of the store looking to buy a USB adaptor, I selected a single item that was on sale for under {$20.00}, and walked over to the back register in the tech section and attempted to check out. An older lady behind the register had me try my card in the reader twice and stated that it wasnt working, no charges went through, and that I needed to check out at the front register. I then went to the front of the store and was finally able to check out with my single item, costing a total of {$19.00}. Soon after I left the store, when I checked my transactions on my credit card I noticed a large unapproved charge from shortly before I was able to purchase my product at the front of the store. This charge was for {$210.00} and is labeled slightly differently than my approved charge from the card reader at the front of the store. I believe there was either a skimmer on the card reader in the back tech section of the store, or the employee had charged my card for an unrelated and unapproved order despite claiming I was not charged. I have tried to dispute this unauthorized charge twice on my Apple Card with Goldman Sachs, but they stated they were able to confirm from XXXX that I authorized both charges which is completely false and physically impossible considering the fact that I left the store with only one single item valued under {$20.00}. The only proof XXXX provided that I was not falsely charged at their location was their transaction history showing that they had only charged me once, however my statement shows XXXX charges from XXXX during the time I was there when I only purchased XXXX product. Upon giving more information regarding the circumstances to Apple Card support, a team member advised me that they dont think its a good idea to use physical cards and that I should instead attempt to use tap to pay ( which is not even offered at XXXX XXXX many other major retailers ). This was also alarming as it seems even XXXX support knows their physical card is susceptible to scams, and even went as far as to advise me against using it.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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.