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

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement. 15 U.S. Code 1666b - Timing of Payments ( 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 in
formation required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Debt collection

On XX/XX/year> I received a letter from XXXX XXXX XXXX, XXXX stating that I owe Discover bank {$5100.00} account # XXXX I replied on XX/XX/year> stating that I dont recognize this alleged debt against my name and requested to provide me documents to validate this allege debt. I requested a validation letter to show evidence that I have any legal obligation to pay them. I also requested an original consumer contract or agreement. A copy of chain of title or purchase agreement that grants them authority to collect.
Product: Debt collection

Dear Debtor, Your case file # : XXXX is handling by LEGAL DEPARTMENT OF  ACE INCORPORATION and we are working with FTC XXXX FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file # : XXXX BEFORE WE DOWNLOAD YOUR CASE FILE INTO THE COURT HOUSE. 



This is in reference to your Case File # : XXXX XXXX with ACE INCORPORATION in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 



Your account with ACE is in Final Collections. According to our records, your outstanding balance was {$980.00} It may be possible that you may have some financial hardship with you. 

So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by today then we will close this account as paid off in full with XXXX balance. Kindly reply back for the settlement amount. 



Or, else we won't be able to help you out. 



Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you.
Product: Debt collection

This was a secured card with a credit limit of XXXX which was not used. However after the card was closed now they 're reporting an outstanding balance that I do not owe. It was my money that originally secured the credit card.
Product: Debt collection

I am writing regards to the frivolous inquires that have surfaced on my credit report after I just had this happen in past timing this is getting ridiculous. According to 15 usc 1681c-2 blocking of information, all information deemed fraudulent by the consumer SHALL be removed 3 days of this receipt. 



ALSO IVE DISCLOSED A COPY OF MY ID THEFT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau posted unauthorized credit inquiries on my credit profile. I have requested a full investigation to verify these and the credit bureau has not provided their verification sources they sent me a letter saying that they have verified these inquiries. 

I want to reference several sections of the Fair Credit Reporting Act ( FCRA ) to support my dispute. 

Section 605B - This section of the FCRA requires consumer reporting agencies to block the reporting of fraudulent information on a consumer 's credit report, including fraudulent inquiries. If I believe that a hard inquiry on your credit report resulted from fraud, I can request that the credit reporting agency block the inquiry from my credit report.

Section 611 - This section of the FCRA outlines my rights to dispute inaccurate information on my credit report. If you believe that a hard inquiry on my credit report resulted from fraud, I can dispute the inquiry with the credit reporting agency and provide evidence of the fraud, such as a police report or affidavit.

Section 623 ( a ) ( 2 ) - This section of the FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on a consumer 's credit report. If I dispute a hard inquiry on my credit report that I believe was the result of fraud, the credit reporting agency must investigate my dispute and either remove the inquiry from my credit report or provide me with evidence to support its inclusion.
Product: Debt collection

Focus Management is attempting to collect a debt for XXXX that I do not owe. XXXX never provided the service. I have a gated yard and XXXX did not have access to provide the service they are attempting to charge for. I verified this three times with calls to XXXX. When I received a notice requesting validation from Focus Management I informed them the account was not valid and that XXXX agreed and instructed them I was in dispute and NOT TO REPORT THIS as they had not validated the debt they still reported the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed Unauthorized inquiries on my Transunion credit report. The customer service rep did not help me remove the negative and inaccurate inquiries that are reporting on my report. These inquiries are from : XXXX  XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I have no such accounts attached to these inquiries.
Product: Debt collection

I have continued to request a copy of any documentation bearing my signature, showing I have a legally binding contractual obligation to pay the alleged account. I continue to get a printout of a blank statement with my name and address on it. No contract bearing my signature proving I have a contract therefore I want this account removed from all credit agencies.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX 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: Checking or savings account

I've been saving with Affirm Money Savings account for some time. I decided to withdraw a larger-than-normal sum of my savings to invest it elsewhere and Affirm froze my account. It's been XXXX weeks and despite calling once a week and providing the info they ask, the account is still frozen.
Product: Credit reporting or other personal consumer reports

rent solutions reached out to me claiming they got a debt on my name from an apt in XXXX XXXXXX/XX/2022, i have proof of my address at the time and i did go out there and visit but i didnt get a place i lost my wallet around that time and i told them to send me info but this place wants me to send them info to start an investigationn
Product: Credit reporting or other personal consumer reports

CFPB Experian XXXX and XXXX has violated my consumer rights and according to the FCRA by furnishing fraud accounts related to fraud attached is my Fraud Report ID and Letter and Comed bill for proof of address. i believe this is all the required documents needed to block accounts. 

ALL THIRD PARTIES LISTED BELOW NEED TO BE DELETED Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX Account number XXXX account was Never late Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ) XXXXictim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.Account name DELETE ALL NON ACCOUNT HOLDING INQUIRIES ( FRAUD ) XX/XX/year> XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/XXXX. XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Type of disputed information : Credit Card Dates associated with item being disputed : Explanation of item being disputed : Im the victim of identity theft and I dont recognize onXXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Thank you for your assistance Sincerely, XXXX XXXX
Product: Debt collection

Never Had this Company and they keep sending me mail and texting my personal phone so far I had 4 messages.
Product: Consumer Loan

I have had a long standing, perfect pay history, line of credit with Citibank. It is important to maintain a good credit score and I monitor mine. Citibank pulled out of Texas and sold all branches to XXXX XXXX XXXX. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with Citibank was closed and moved to XXXX XXXX XXXX. The problem is that XXXX XXXX XXXX now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with Citibank, became slight negatives with XXXX XXXX XXXX ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both Citibank and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Fraudulent Disputes on my Experian Account. On XX/XX/2023 there is an Account Dispute, XX/XX/2023 again there is an Inquiry Dispute and XX/XX/2023 an Address Dispute. I never submitted these Disputes. The only Dispute I submitted this year was in XXXX regarding updating my address. I contacted the Dispute Dept on Friday, XX/XX/2023 after discovering the disputes but there was no resolution to the problem. I was not permitted to speak to a Supervisor or any other Dept that could help me.

I also questioned the representative about an open credit account that was removed from my Credit Report and asked why it was removed. I was told due to Identity Theft. I explained there was no Identity theft involved and the account is still open.. I explained the account should not have been removed. I was told it would not be put back on my Credit Report. XXXX  XXXX ( The Creditor ) is still reporting to Experian once a month. 
I asked for someone in the Fraud Dept. I was refused even though this is a feature of my Membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/2020 XXXX XXXXDate of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

After a reinvestigation I was looking over my report and I noticed this accounts listed below is not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account was charged off on the following date : XX/XX/year> since then, the account has repeatedly been updated as charged off every month since XX/XX/year>. This is an update in the payment history. A charged off account should not include an active payment history. since then the account has repeatedly been updated as charged off every month. This is an update in the payment history a charged off account should not include an active payment history this inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after I asked you to do it twice and your neglect has violated my rights. I am demanding a deletion of the following account The dates last active are inconsistent across all 3 credit bureaus. 

XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. The dates last active are inconsistent across all 3 credit bureaus. - Delete Account Immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo account ending in XXXX still shows on Credit Bureau Reports. This accounts Date of First Delinquency was back in XX/XX/XXXX. The delinquency and payment balance grew further through XXXX, XXXX, XXXX, XXXX, and XXXX. The account was ( XXXX ) closed around XXXX or XXXX of XXXX. The payment balance was never paid full and the account was Charged Off to settlement company. Later I settled and paid as per agreement. Since the ( XXXX  ) date of first delinquency was back in XX/XX/XXXX, I believe should account and status should now fall off my credit bureau reports ( FCRA Rules ). This affects my financial goals moving forward.
Product: Debt collection

My husband received a phone call from an " unknown '' number the week of XXXX/XXXX/16. He did not answer and they left a voicemail stating they were looking for myself. They used my maiden name ( I 've been married for 4 years ) and they stated they need to serve me a summons. They stated I need to call them back and ask to speak to the arbitration unit and reference a summons number ( which they provided in the voicemail ). She said if I do not call them back, " I will come to your home and your job to serve an arrest warrant ''. This lady also called my father and my brother, both who live out of state. The following week I received 5 calls, all within a matter of 2 minutes, from the same unknown number with a voicemail saying the same thing as above. I feel very threatened by this. I only have XXXX things on my credit report that need paying on, all of which I am doing so and have been in communication with those companies. I do not know what this is in regards to, and I am not going to call them back. I googled the phone # and there are many complaints from this company from other people. They call you and threaten to have you arrested by coming to your home or place of employment. This is extremely unprofessional and unacceptable.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by 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 to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Student loan

I am part of the Pay As You earn repayment plan, however the payments are way too high for a   XXXX   XXXX   living in   XXXX   XXXX   XXXX   where rent and cost of living are ridiculously expensive. I feel that these are things that should be taken into account. I 'm struggling to make these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX dont have any account nor connection whatsoever with these companies. I have spoken with each company and no one produced any relationships between myself and the companies.
Product: Debt collection

On XXXX/XXXX/XXXX  I reported to XXXX XXXX police department about fraudulent charges charged to my XXXX XXXX consumer credit card account in which I had no knowledge of or given permission to do. At those times I had my credit card in my possession. Caes # XXXX. Identity fraud XXXX. Ive reported this to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX phone # XXXX # XXXX. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Debt amount {$6600.00}. Debt account # XXXX after contacting each business I was contacted each time with account verified with just the account information with every charge and closed after reports of police fraudulent charges I didnt approve or not aware of reported. These charges where made on or before XXXX.