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

I am distressed that XXXX has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. 
1. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it
Product: Credit reporting or other personal consumer reports

I DID NOT OPEN THESEB ACCOUNTS I HAVE POLICE REPORT FOR ALL THESE ACCOUNTS # XXXX. IS THE POLICE REPORT #
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership I was told that they were only going to run my credit through one bank I seen my credit report and my credit was ran through all sorts of places I did not authorize. Please delete from my credit reports. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

I am trapped within XXXX payday loans and was unaware that there is a {$500.00} Max for Payday loan. The lenders did let me know that I could only have XXXX loan of {$500.00}, because of this I am unable to cover all of the loan payments. They kept wanting me to rewrite the loans and start over. I am trapped in a never ending cycle and do n't know how to overcome this situation. Please advise?
Product: Credit reporting or other personal consumer reports

I have a freeze on my legal information and a request not to sell my legal information to any company with Lexis Nexis and they furnished XXXX and other credit reporting agencies with my legal information that has been frozen and a demand to not sell my personal or legal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible. 
Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. 
Please contact me for additional information or questions you may have. 

sincerely, XXXX XXXX
Product: Debt collection

I received a letter forwarded from a very old address for me stating I owed them money for a XXXX  toll bill.

I pay my tolls through a TX tag that is linked to the XXXX system and I do not owe the XXXX any money.

On XX/XX/2019 I faxed a request for them to validate the debt and a cease and desist letter ( attached ).

They never responded with a validation.

This morning, XX/XX/2019, they have called me over 30 times as of XXXX XXXX claiming they are collecting on the debt. A few times there has been more than one person on the phone and they pretend like they can not hear me.

This tactic is clearly meant to harass me and is in clear violation of federal law.
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 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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 XXXX
Product: Debt collection

I am distressed that I am having to file a complaint since my consumer rights have clearly been violated. Speedy Cash has been sending me collection notices in the amount of {$1200.00}, the collection has been reported as past due balance. I do not know this company. This Company does not have a contract with my signature
Product: Credit card

I applied for a job as of XX/XX/XXXX and my credit was checked. I was unable to get a job due to my credit report. As of XX/XX/XXXX, my credit cards were abused by someone that was XXXX. I was under the impression that this was deleted from my credit report. I need to know what I can do to have these charges removed from my credit report. I paid off most of the credit cards. As of now, I only have one credit card. I am trying to rebuild my credit. Please advise me what I need to do. I am unable to pay these charges off.
Product: Debt collection

XX/XX/XXXX, XXXX XXXX, XXXX for amount of {$760.00}. I have sent XXXX XXXX, XXXX a debt validation certified on or about XX/XX/XXXX. XXXX XXXX received my debt validation on or about XX/XX/XXXX. XXXX XXXX did not respond. XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is trying to re-collect and still has not validated my debt validation which was sent to them and also XXXX XXXX XXXX reported to all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXX XXXX  assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX  should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
Product: Debt collection

I reached out to this company via phone around XX/XX/2019 to request validation of debt that showed up on my credit report, Aargon account # XXXX. I ave never done business with Aargon nor had any communication from this company prior. They were unable to provide me with the information. I then receive a letter in the mail dated XX/XX/2019 from Aargon that states if they receive a written request within 30 days of this notice they will then request verification from the original creditor. Not only did Aagron furnish information on my credit report without notifying me and giving me the opportunity to dispute but they also have done so without properly validating said debt. They should already have this information prior to reporting to the credit bureaus. This would explain why they couldn't validate the debt when I called previously. If Aargon Collection Agency can not provide proper validation on this debt, it needs to be removed from all credit reporting agencies including XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report. My license to XXXX, Equifax, and XXXX. I have fraudulent accounts reporting on my consumer report illegally. I am filing a civil suit. I need evidence to show I followed the lawful process.
Product: Credit reporting or other personal consumer reports

Name : ( Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX and Experian credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, XXXX, XXXX and Experian failed to properly verify this information within XXXX ( XXXX ) business days of receiving my request. 
The inaccurate and false information includes : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX a copy of my consumer FICO credit report maintained by XXXX, showing these inaccurate items. 
I do not recognize any of the accounts, collections, as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the current lawsuit I am a victim of predator lending from credit acceptance. 

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 Account number XXXX and 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. 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

XXXX5 U.S. Code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished of my consumer report as they are in VIOLATION Under. 15 U.S Code 1681b - Permissible purposes of consumer reports ( A ) In General to subsection ( ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the WRITTEN Instruction of the consumer to whom it relates. I NEVER gave any consumer reporting Agency WRITTEN CONSENT to report anything on my consumer credit report which is violation of my rights as a federal protected consumer. NO CONSENT IS IDENTIFY Theft and I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I'm XXXX YRS- works as a XXXX XXXX XXXX- for XXXX XXXX XXXX an Agency that is responsable to take care of the Sick, the bunerable, elderly, misfortunate, drug addicts, XXXX XXXX XXXX belong to the XXXX XXXX XXXX XXXX XXXX XXXX, I retire from them a few years ago, but I was not aware I had a Rollover-IRA- finally I had some money after I intervine, the Company sent the money to the Citibank located at, CITIBANK RETIREMENT PLAN SERVICE -XXXX-XXXX-XXXX- XXXX   XXXX, TX. XXXX- I have to remove the Money from them because of my age, the banking Staff at CitiBank , NA-XXXX-XXXX XXXX-N.Y. XXXX-Vice President NMLS # XXXX XXXX XXXX has help me with the transaction, fot the second time those people overthere are givingme the runaround always asking for the same information, I had submitted to them XXXX Driver Licency, as an ID- XXXX XXXX XXXX   Medicaid, my address, I need my refunds.
Product: Bank account or service

I withdrew {$2800.00} cash from a local  US B ank branch to take to another local bank to make my mortgage payment. The teller was  XXXX . When I arrived at the other bank,  XXXX   XXXX   XXXX   XXXX , they discovered that  3 o f the {$100.00} bills were probably counterfeit. They confiscated the bills to send into the authorities. I contacted  US B ank from that bank to notify them tha t 3 of t he bills they gave me were counterfeit, and I filed a police report at the local police station. After a few conversations back and forth, the  US Bank branch manager at that  time,  XXXX , assured me I would be reimbursed for the lost funds. The bank teller,  XXXX , said that they periodically scan currency for counterfeit, but rely on the tellers to quickly identify counterfeit bills because they " do n't have time to scan all the money that comes through the bank ''.      XXXX   XXXX   XXXX   XXXX  has recently let me know that the bills were indeed counterfeit, and yesterday the new  manager,   XXXX , at the  US Bank b ranch told me that they have no way of knowing whether I switched the bills with counterfeit bills between banks. They have no accountability for replacing the lost funds because, once I left the bank, I accepted full responsibility that the currency I was real money. In essence, they are accusing me of money laundering. In all my life as a mom, grandmother and an   XXXX   XXXX  , I have never dreamed of being accused of such a thing! Please let me know if there any further steps I can take to get reimbursed from the bank, or at the very least to warn others to have their money scanned before leaving the bank.
Product: Credit reporting or other personal consumer reports

I am filing this dispute with the CFPB regarding inaccurate late payments reported by TransUnion on the following accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX. These accounts are incorrectly reported as having late payments, which is erroneous and inconsistent with my payment history. I am attaching my FTC Identity Theft Report and supporting documents that detail these inaccuracies and demonstrate that XXXX is accurately reporting these accounts as " Paid as Agreed, '' while TransUnion continues to reflect incorrect late payments. This clear discrepancy highlights a failure to ensure the maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

Despite multiple efforts to resolve this matter directly with TransUnion, these inaccuracies remain unresolved. This ongoing error has significantly impacted my ability to secure a loan critical for saving my business and has also prevented me from obtaining stable housing for my family. XXXX actionsor lack thereofconstitute noncompliance under 15 U.S.C. 1681i ( a ), which mandates timely investigation and correction of disputed information. 

If these accounts are not corrected in my next updated credit report, this will constitute willful noncompliance under 15 U.S.C. 1681n, exposing TransUnion to statutory damages of up to {$1000.00} per violation. Non-willful negligence under 15 U.S.C. 1681o also applies, as TransUnion 's failure to investigate or address these errors has caused unnecessary harm. I request the CFPBs assistance to ensure that TransUnion immediately updates these accounts to " Paid as Agreed, '' in line with XXXX accurate reporting, and provides me with a written confirmation of the corrections. I trust the CFPB will help uphold the integrity of credit reporting systems and enforce compliance with the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

PayPal has put a limitation on my account, both my personal and business account. They requested information on my XXXX I submitted the information tried to transfer it to my debit card that i just used a couple of days prior. Then they blocked it again. This account has XXXX $ on it. Then my renters paid me through XXXX and that sent the money straight to my pay pal account for personal uses its XXXX. It has {$1500.00}. They will not release it either. I have submitted all documents and everyday they say it is going to be 24 hours. This has been going on since XX/XX/XXXX. This is crazy and ridiculous. I have called everyday and nothing has changed. They need to be penalized for this. I use the rental money to pay rent at my new place and I am about to be evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy.15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

XX/XX/year> I recieved a letter from Mohela stating my loan had been forgiven. I even received back payments from overpayments. I gave it time for my loans to show as a XXXX balance on my credit reports and submitted a dispute with each one. Each dispute came back that the Creditor Mohela did indeed show that my balance is XXXX and paid. Now I log into my check my credit report as I am looking to purchase a home in the near future and ONCE AGAIN Mohela is reporting this student loan with a balance. This is unacceptable. I have submitted disputes once again to the credit reporting agencies but 2 years later this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called Experian with an ongoing issue in regards to my credit profile not reporting properly. I started with calling Experian three weeks ago, an agent stated that I have two profiles with them and it's displaying two different year of birth, one XXXX which is correct and the other XXXX. Since noticing this, I have called, tried to dispute and have spoken to several agents and nothing has been done. When I call, they place me on hold, the call goes into silent hold and no one ever comes back on the line. The credit report is only reporting one account, when I have several. No one at Experian seems to care to get this issue resolved for Me after several attempts. I have even spoken to identity theft department and this is an ongoing issue that no one seems to take of. I am now reporting Experian for their lack of knowledge and interest in assisting the consumer. I am in the process of wanting to purchase a new home but unable to since my information on Experian 's end does not match XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : CREDCO  XXXX XXXX XXXX XXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )