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

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also act XXXX XXXX # 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
Product: Checking or savings account

I filed a fraud claim for XXXX XXXX on XX/XX/XXXX after going back and forth between branches and customer service representatives giving me different erroneous information on the process to get the money back. In XXXX  XXXX I was credited the money for XXXX XXXX and was told that the other one was pending review and to check in 7-10 days. On XX/XX/XXXX, that the fraud claim was denied because of the timeframe on when it was filed but the other claim was approved and if it was late according to them, it was for their own erroneous information. I spoked with supervisors without any resolution and opened a complaint with the XXXX complaint # XXXX on XX/XX/XXXX ; XXXX. All they did was sent XXXX messages stating that it will take 15 calendar days for a resolution and nothing else. On XX/XX/XXXX I received a letter from the bank stating that my checking account will be close by XX/XX/XXXX because the bank can close an account at their discretion. I read numerous social media reviews and Truist has done the same thing to many clients like myself ; they denied fraud claims and the customer have to take the lost. My fraud claim was for {$3700.00}. Thats a lot of money for me and it's unfair and illegal that Truist will denied something that XXXX says there is zero fraud liability.
Product: Debt collection

Online Information Services, a debt collection company is attempting to collect a debt that I do not owe them. I've never used their service nor have I given any permission to any of their representative to use their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I was a military servicemember XXXX in 2010. Prior to my discharge i had an auto loan through US Bank which i never missed a single payment on. After bieng XXXX my finances changed dramatically awaiting my VA benifits. I tried to work out a payment arrangment with us bank and they would not accept it. They repossed the vehicle shortly after my XXXX XXXX months or so. XXXX XXXX attempted to help us get current on the payments byt US Bank would not allow it they said our only option was to pay the balance in full. When asked why we were told because we violated the terms of the lease when we no longer had an allotment payment in place, ( which was not even an option ) We later found out that US Bank lost a lawsuit for these illegal practices but we never found out how to do anything about it. It took almost XXXX years to start getting full VA compensation and im XXXX. We have tried to contact US Bank to no avail and the remaining balance of this loan is still negative on my credit and hurting me and my family a great deal is there anything that we can do?
Product: Checking or savings account

I did not receive three items from XXXX but the bank refuses to credit me with the three purchases I paid for the items totalling XXXX approximately made by ordering on XXXX. 
XXXX is not willing to reimburse me with the products I did not receive, three packages of XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern Trans Union is Reporting Collections from XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX as an " OPEN ACCOUNT '' which is not under FRCA compliance This is inaccurate reporting and needs to be deleted immediately
Product: Debt collection

I continue to get calls from the following numbers : XXXX all for debt for a " XXXX XXXX. '' I am not XXXX XXXX and I don't know anyone named XXXX XXXX. They also continually text me. I called the number and noted that I am not " XXXX XXXX '' but I continue to get multiple calls per day.
Product: Credit reporting or other personal consumer reports

After reviewing my dis

pute results, Ive noticed that there is still U. S. Bankruptcy Court item
s listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

XXXX has provided an dispute on my behalf and confirmed that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

The credit reporting agencies, ARE BREAKING THE LAW AND ARE COMMITING FRAUD validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ) An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. 

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, the CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.
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, 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. 16815-2 ( 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

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I have a collection the i do not recognized. They reinserted on my credit report. I have write XXXX multiple times and no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 An 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: Debt collection

No clue what this is and suddenly started getting dings from all the credit monitoring companies I pay for. This is not mine. I looked in my old emails and have not had a loan from this company in over 8 years. Not my debt Deb Recovery Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXX XXXX  XXXX Balance {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed incorrect credit report inquiries and reported them to the bureaus with identity fraud and verification forms. The issues were not fixed at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I recently recieved a letter from an attorney named Mark Johnson LLC dated XXXX/XXXX/15 in which they state I owe a balance of {$320.00} for a judgment with no case number given. This is XXXX of many demands for payment made by this company over the last couple of years. They have issued several garnishments against my wages in the last XXXX years. The last garnishment was confimed as paid in full by my employer 's payroll department and XXXX County Sheriff approximately XXXX. I have not recieved responses to previous requests for validation of the debt and/or confirmation of previous monies recieved. I believe this law firm is repeatedly attempting to collect on a debt that has been paid multiple times
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 those account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX5 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 or other personal consumer reports

These hard inquiries are fraudulent and doesn't belong to me and need to be removed .also, the nest as well .Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting a late on my credit file for the month of XX/XX/XXXX, XX/XX/XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is an account showing with no creditor to be able to validate the debt. This is a violation of my consumer rights and it should not be reporting. 

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

I am writing to formally dispute the late payment reported by on my credit report. Contrary to the information provided, I have consistently maintained an exceptional payment history with XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX and all payments were placed on autopay. The late payment reported is a result of a systematic error on the creditor 's end in processing my payment. 

Since this is information you should already have in your possession I feel 15 days after receipt of this notice should suffice for the information being requested to be provided. 

PLEASE BE ADVISED THAT THIS REQUEST I SALSO BEING SENT VIA CERTIFIED MAIL! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This erroneous late payment is not a reflection of my payment behavior but rather a billing error made by the company, which violates XXXX XXXX XXXX. The impact of this error on my reputation, character, mode of living, and my family has been severe. 

I demand the removal of the late payment reported on my consumer report. The creditor is not in compliance with the law, specifically XXXX XXXX XXXX, which sets standards and guidance for treating payments as late. According to XXXX XXXX XXXX : " ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. '' XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to send the periodic statement along with the disclosures from section XXXX ( b ). Despite my good faith request for proof that this information was mailed or delivered 21 days before the payment due date, it was never provided. 

This situation is unfair, illegal, fraudulent, and inequitable to me as a consumer. I urge you to take immediate action to rectify this error and remove the inaccurate late payment from my credit report. 

Please acknowledge receipt of this dispute letter and provide confirmation of the steps being taken to address my concerns. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

This bank is horrible with me they refuse to approve me or process my applications I also wanted to Know when they will upgrade their cards to tap pay go contactless its time they offer latest card technology like XXXX and USA every bank is starting it but they arent
Product: Debt collection

NTL has harassed me for the last time. I do not owe this debt. Its not mine. The doctor office gave them my info erroneously. Since it a collection- its been discharged and is now income. They refuse to give me a 1099c. The IRS says they owe me this form. Someone from the company got the letter requesting this and they refuse to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitting this complaint against XXXX, TRANSUNION, XXXX and there is no third party involved. XXXX XXXX ' XXXX XXXX XXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than
Product: Money transfer, virtual currency, or money service

XXXX XXXX I had a bank account around XXXX and XXXX and I was charged fee Wells Fargo closed my account b
Product: Payday loan, title loan, or personal loan

I am currently rebuilding my credit. I saw a product called Grain XXXX and it offers a line of credit to applicants like myself who are interested in rebuilding their credit. I visited their website and Grain XXXX didn't mention anything about their annual fees. I applied immediately and it was after I applied, I realized that they charge an annual fee once I set up my account on their mobile app. I immediately submit a request to close my account through their website. Please note that the company doesn't advertise its annual fee during the application process. I was unaware that there was an annual fee. This is deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported incorrect information of a 90 day past due payment that was incorrect. There was payments made and was current. As well as the Cares Act/Covid Relief that is in effect until XX/XX/XXXX of this year.