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

ON XXXX  upon reviewing my credit report, I see several accounts listed in which are detailed below which have violated multiple provisions of the FCRA,605,607, 623,616,617 and other applicable consumer protection laws. Due to these violations I request the immediate removal of them from my report. I am also seeking monetary compensation of XXXX per violation the negligence in investigating has prevented me from securing credit opportunities and unfairly impacted my financial standing. I have listed the accounts and the violations. 
XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15USC 1666, 15USC 1666 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX Violation : 16USC 1692g XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 15USC 1692g XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15USC 1601, 15USC 1681 ( c ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1692 ,15USC 1692g XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15USC 1681 ( c ) ( 2 ), 15USC 1692g XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 15USC 1681 ( c ) ( 2 ), 15USC 1601 In addition the following institutions have violated XXXX XXXX and require immediate deletion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXXXXXX XXXX XXXXXXXX DEPTEDXXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX  - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This letter is being sent to you in response to a letter received by mail dated XX/XX/2024 received from your offices XXXX XXXXXXXX. Be advised that your claim is being disputed as Adverse Action has taken place. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is Securities Fraud. You are violating the Equal Credit Opportunity Act ( ECOA ) And Consumer Credit Protection Act ( CCPA ). I am the Original Creditor. It is unlawful to be denied my right to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Debt collection

XXXX has on my credit file, that I have worked for XXXX which I never have ever worked for XXXX. In addition, they have mentioned that I applied for Speedy Cash for which sounds like a debt collector of some sort. I do not agree that I owe this debt because I never received any contracts of any sort. Furthermore I've consulted with Counsel and realized that I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. Furthermore, The New Comprehensive Credit Act of 2020 states that I must have erased any debts on my credit for which do not have contracts to establish the " invalidated debt ''. There should also be no child support payments on my accounts whatsoever, I'm confused on all that is listed on my credit file. Given that XXXX has had data breaches I also furthermore understand that my private information has become compromised for which also, I should sue for that. Please relay the message so that XXXX and I can resolve this issue outside of court. 

Best, XXXX
Product: Vehicle loan or lease

On XX/XX/year> my social security Federal reserve trust paid for this vehicle the day the dealership secured the payment. 
The bank, Honda Financial Services has fraudulently tricked me into believing the vehicle was being financed through their services. They secured my credit through the XXXX XXXX XXXX of XXXX and XXXX. 
A XXXX XXXX XXXX XXXX was filed on XX/XX/year> XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made 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 on those accounts 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 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: Debt collection

Midland credit is a debt collector as denied by 15 usc 1692a ( 6 ) I XXXX ; XXXX for XXXX XXXX am a federally protected consumer as defined in 15 usc 1692a ( 3 ) 15 usc 1692c ( a ) states that a debt collector may not contact the consumer without prior consent. 

Midland is also in violation of 15 usc 1692d ( 5 ) with the repeated called to my line despites whether or not the calls were answered Midland credit does not and did not have consent to contact me for any reason and request that they cease and desist all forms of communication in relation to this debt. This includes any reporting on my credit report. 
15 U.S. Code 1692k - Civil liability for every violation of this section, midland credit will owe {$1000.00}.
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 Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have gone back and forth with Experian sending all documents that they have requested. The inaccurate informative is still on my report. This is the last and final attempt before filing a litigation claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my TransUnion, XXXX and XXXX reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.
Product: Debt collection

I attempted to resolve this old bad debt by making minimum affordable payments when working. Unfortunately I was laid off and still unemployed also affected by natural disaster hurricanes XXXXXXXX XXXX XXXX  This information was shared with collector and they boldly disregarded my efforts and transparency by continuing to pull payments from my banking institution causing me to close my account to prevent overdrafts. I told the collectors I would report them for abusive collections tactics as well as for calling my family and friends. This company has been sued multiple times for abusive collections activity and I need my informational removed from this company and to never be contacted again!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX The account was paid in full and I would like it removed from all three credit bureaus. This issue should have been resolved when final payment was submitted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

So, because of my untimely payments, I incurred several months of late payments with my Bank of America credit card and all my other credit cards. I contacted all of my credit card companies and I told them what occurred and the reason why I was late. All of the other banks agreed to take off all the late payments on the account, and subsequently, I paid the current payment due as part of the agreement. I contacted Bank of America and I asked if I could have the late payments waived. The agent asked what were the issues and the reason why I was late at the time, ( I was two months late ). I told them once again the reason due to me studying for the XXXX XXXX XXXX ; I had to reduce my work hours. The manager online listened and said that there is nothing that he could do. If I dont pay the late fees the credit card account will be charged off. Now, the late fees have increased now I am up to six months in late payments, when I first contacted Bank of America I had two months of late fees. They have charged off the card in their system and I can not use the card again. The Bank offered me a settlement and I told them on XXXX XXXX, 2017 - I was willing to pay {$700.00} as settlement while I was in the branch X/XX/2017 ... but the customer service agent was adamant about charging me {$1000.00} to settle the account. At this point I am done with Bank of America. They are continuing charging me fees and interest. I need to settle this account and get them off my credit report. My credit report is suffering in the interim. Please help me! Thank you,
Product: Credit reporting or other personal consumer reports

I purchased a car in XXXX and the loan provide at the time was suntrust. This car was totaled and paid off by XXXX in XXXX. I never missed a payment or had the car repossessed. Both XXXX and XXXX have derogatory comment listed on my credit report. Redeemed or reinstated repossession/fixed rate ( XXXX ) and redeemed repossession ( XXXX ). I sent a letter to Truist ( who bought suntrust and services the loan ) with this information and did not receive a response. I also called and spoke to an associate and they could not find where this vehicle had been repossessed. I reported this to the credit agency and they denied the request. Ive also attached information confirming the car that was totaled was the car connected to the account in question. XXXX XXXX
Product: Checking or savings account

I was contacted by my bank, Chime, around XX/XX/XXXX in regards to my name not matching with what the IRS had on file and that I should provide them with a W-9 form as well as my drivers license. I provided them with the documentation a day or two after I received the notice via the secured link they have sent me over email. I contacted the bank later on that week to confirm that they have received the documentation. Customer service took a look at the documents but requested that I re-submit the documents again over the new secured link they provided. While I was on the phone with them, I did such and the representative, XXXX at Chime said that she escalated the issue to the internal protection team and that they were going to contact me over email to update me with my case. In case I do not hear from them, they can be reached at XXXX. I did not hear back from them and I went ahead to contact them over email. The first representative that got back to me responded with an automated message that suggested I submit the documents ( w-9 form and drivers license ) AGAIN prior having my account back in good standing. I angrily did so and waited for them to get back to me within the four allotted hours they mentioned. A day later I received the same email but from another representative, I decided to reply back to the email as it stated such hoping Ill have a direct response from a representative, but I kept getting the same email over and over again from a different team member. I contacted the customer service team again via the app and provided again the same documents even though I just wanted them to confirm my account was back in good standing and that it wouldnt be suspended, they told me thats something the internal protection team will have to confirm because it is outside their jurisdiction, but since I provided the documents, I should hear back from them. I didnt hear back from anyone until these days. I am a XXXX who works in the middle of the ocean every other month and travelling constantly. They suspended my account yesterday and I have been making lengthy phone calls with no response back. The last representative I spoke with yesterday asked again my documents and I did provide those to them, and she said the internal protection will get back to me within an hour as she escalated the issue, I still havent heard from them. Im out here with no cash money and using my credit cards. Any assistance would be extremely appreciated.
Product: Credit reporting or other personal consumer reports

My credit report has errors associated with 15 USC 1681c-2. My credit report has errors associated with 15 USC 1681c-2. These unauthorized inquiries are harming my credit score, and I request they be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of below Inquiries has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Mortgage Company : Inquiry date XX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX Mortgage Reporters : Inquiry date XXXX, XXXX has violated my rights. 

XXXX XXXXXXXX XXXX Credit Cards : Inquiry date XX/XX/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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of sec 609 ( correct inaccuracies ) Failure to complete proper investigations XX/XX/18 I received 2nd notice of ACCOUNT VERIFIED for account creditor-XXXX XXXX XXXX, from  XXXX I have disputed inaccuracies with this account, twice. 
The account balance and terms reported are inaccurate, according to my original contract. 
Terms are higher. 
Balance is not calculated accurately, based on number of payments made. 
Last payment Made : XX/XX/2018 No payment amount listed for this last payment.
Product: Checking or savings account

On XX/XX/, my Chase Bank account was hacked and they made several small transactions. We quickly realized this problem and before we could call Chase, received a text message that appeared legitimate from Chase asking us if we made these transactions. Just a week before, we received a legitimate text message from Chase and confirmed the legitimate transaction and had every reason to believe this text was legitimate. Very unfortunately, this representative turned out to be a scammer and then did a fraudulent wire transfer in the amount of {$8200.00}. Our total loss is over {$8300.00}. I immediately called Chase to report the fraudulent transactions and they said they would try and stop the wire transfer. They failed to accomplish this. In fact, Chase FAILED TO SHUT DOWN ANY OF OUR ACCOUNTS DESPITE OUR IMMEDIATE ADVISEMENT OF FRAUDULENT ACTIVITY. MY HUSBAND XXXX HAD TO TELL THEM TO SHUT THE ACCOUNT DOWN! By then we only had {$330.00} left in our account as it was nearly completely wiped out. For 3 days, we tried to contact Chase corporate to find out when our account would be made whole and were repeatedly advised it was under investigation. Truth is, Chase conducted NO investigation, tried to blame my wife for authorizing a wire transfer. which couldnt be further from the truth, refused to accept any documentation we tried to give them, and made a horrible, incorrect and devastating decision to not return the money hacked and stolen from our account. We both even went to Chase bank branches seeking some sort of relief from this nightmare and were advised sorry, theres nothing we can do. Our XXXX XXXX account was hacked twice and each time, we were promptly reimbursed, not blamed for something we absolutely didnt authorize as Chase has done. 

In closing, this is an absolute nightmare, Chase isnt honoring fraud protection and we now cant pay our mortgage and bills! Weve exhausted every avenue to have Chase do the right thing and they outright refuse and can care less! 

PLEASE HELP US! 
XXXX XXXX