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

My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/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 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.

EXPERIAN 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: Vehicle loan or lease

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The credit bureau stated that my account was properly investigated but how if The date open is not accurate. The date last report it is not accurate. This ground for removal. They also violating my rights under. 

15 US C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1641 Section 608 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureau took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Discover, XX/XX/23 XXXX. XXXX XXXX, XX/XX/23 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act the list of account below has violated my federally protected consumer rights to privacy and confidentialy under 15 USC 1681. The account below 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. 1681 C. ( 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 1681 S-2 ( A ) ( a ) A person that 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 innacurate. DELETE THE ACCOUNT BELOW
Product: Debt collection

XXXX XXXX bank, date of discovery XX/XX/2018, I Filed a police report for identity theft, I also followed direct from ftc and sent dispute letter to company. They submited information back stating the account was correct. The amount of the credit debt is {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. Verizon did received payment and still report the account as DELINQUENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX  via phone and the internet to request that you remove the following unauthorized inquiries from my credit 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    ( 7 ) Va rious Dates  XXXX   XXXX   XXXX   ( 2 )   Various Dates   XXXX    ( 2 ) Various Dates So you explain to me that this inquiries are factual in which th ey are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting

We operate multiple businesses and receive several fund options for cash advance, account receivable, term loans, etc because of our strong credit file. The offers demonstrate preapproved deals and some even come with a card and check. I call them and I ask them specific question to avoid any middle broker taking my critical financial information to multiple other companies that may or may not be direct lenders " ARE YOU A DIRECT LENDER AND IS THIS YOUR OWN FUND? ''. I specifically asked them to confirm that they are a direct lender. I will not seek credit from a broker as we have been burnt in the past by fraud. Also, these brokers share my application. I found out that there is a website called XXXX leads and the brokers have found out about my application and shared it among others. There were XXXX inquiries submitted against my Experian credit file by several banks repeatedly in a few days that I have not applied for credit with them and I am not even familiar with them. These brokers lied that they are direct lender and never obtained my approval to run my personal credit. My credit file is now abused by XXXX hard inquiries that I do not even know who initiated them. I want these fraudulent inquiries removed from my personal Credit file urgently as it is impacting my clean and strong credit history. 

Unfortunately it seems that they easily lied and produced my financial information to multiple other companies accessing my personal credit report with a Hard Inquiry. I was scammed with almost XXXX hard pulls almost destroying my credit file. 

I have also more specifically asked them prior to running my credit I must see their type of offer to make sure the type of the loan product is acceptable to our company. 

I have frozen my credit file as I can not tolerate these liar brokers that are all over the country introducing themselves as direct lender or having exclusive relationship. 

I am seeking your help to remove the disputed fraudulent inquiries below.
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. 

U S DEPT OF ED/XXXX Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX Accounts have been reported has violated my rights 15 U.S.C 1681 section 602 A. which states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions Furthermore, On XXXX, XXXX 2022, TransUnion Credit Bureau has replied that the above accounts has been reported as " Verified '' but did NOT PROVIDE any PROOF how it VERIFICATION FOR ACCURACY or written authorization to report personal information. 

Information is incomplete, inaccurate, and must be verified or must be removed.
Product: Credit card

Macys denied me credit for an allege bankruptcy that is not correct. I was unaware that this alleged bankruptcy was on my record after XXXX and XXXX stated that this information was removed due to it not being correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4700.00}
Product: Student loan

When I returned to school to earn my XXXX, I called XXXX ( now Navient ) to lower my payments. They recommended in school deferment, which I accepted. After XXXX years, my repayment amount had increased by thousands. I was n't made aware at the time that there were other ways to reduce my payments without incurring so much interest. 

In addition, when I got married my bank account information changed. I used to have XXXX monthly payments that debited from my savings account. With the joint account, Navient started charging each loan payment separately, over using my savings account and prompting bank fees. I tried for several months get service assistance to switch me back to XXXX payments. Each time I called, I waited over XXXX minutes to reach a human being. When I finally did, it took XXXX different calls with different people to actually make change and get it to stick. I 'm down to XXXX payments rather than XXXX, nobody can explain to me why they ca n't condense the last XXXX payments into XXXX, and I 've given up. 

Having such awful response time and customer service seems to be how Navient does business. They waste customers ' time and wear us out until we 're willing to tolerate only the minimum of assistance. 

I had my XXXX loans serviced by XXXX and they were AWESOME! Helped me through the process of applying for XXXX even though it meant those loans going to XXXX. I 've tried to get Navient to similarly assist me in rolling over my consolidated federal loans, but the XXXX day I had time to wait XXXX minutes for a person, they seemed to have no idea what XXXX was, much less how to get my loan into the program. 

If I thought I could give all of my remaining loans to XXXX I would, but nobody seems to know how to make that happen or how much it would cost or what my rate would be. I 'm scared of losing the ground I 've gained, but I 'm also spending the bulk of my income on loan repayment. Help please.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear WFXXXX, I am writing to address a serious violation concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX Missouri laws pertaining to identity theft and fraud. 

It has come to my attention that WFXXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stipulated by the FCRA, unequivocally requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX Missouri laws regarding identity theft and fraud underscore the severity of unauthorized access and misuse of personal information. 

I assert with certainty that I have not provided consent for WFXXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and displaying a disregard for federal and state laws. 

I demand that WFXXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant XXXX Missouri laws . Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX Missouri laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WFXXXX will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, TRANSUNION AND XXXX IARE CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft and the following account does nit belong to me XXXX XXXX XXXX please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. XXXX  and XXXX  updated my personal information based on the proof I sent. However, Equifax didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in mid-XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.
Product: Credit card or prepaid card

I was at Kohls in XXXX CA on XX/XX/2022 with an existing Kohls card and a mailer thanking us for having a card for 15 years. ( The card holder is my mother, who was present and using the card to purchase a few items ). When we attempted to use the existing card, the cashier told us the card was not working since it had not been used for several years. We were informed she had to reactivate the card. We followed her directions of entering the name, social security number etc on the terminal. We STOPPED and said that it was appearing that we were applying for a new card. She said again that it was only to reactivate the card. When the terminal promoted for annual income we stopped again and VERY CLEARLY stated that we did not want to apply for a new card. We were again told that this was a reactivation. When we finished entering all the information the cashier told us, YOUR APPLICATION was denied!!!!! She lied to us and made us apply for a new card. Our existing card was not reactivated. This is exactly the same as XXXX XXXX customers given a credit card when it was not requested. We did not want to apply for a card, simply reinstate a card that had been in existence for 15 years. This is so wrong. Bait and Switch. Unfair credit practices. And what is worse is the LYING cashier saying that we were not applying for a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$7400.00} XXXX XXXX XXXX {$0.00}
Product: Debt collection

I am writing to formally dispute an unauthorized account that has appeared on my XXXX credit report. I believe I am a victim of identity theft, as this account does not belong to me. The account is listed solely on XXXX and does not appear on my XXXX or XXXX reports, which strongly suggests it XXXX be fraudulent. 

The account in question is : Account Number : XXXX Company Name : XXXX XXXX XXXX : Installment Account Amount : {$120.00} Company Address : XXXX XXXX XXXX, Suite XXXX, XXXX XXXX XXXX CA XXXX I have no knowledge of or affiliation with XXXX, nor have I authorized any transactions with them. This account appears to have been opened without my consent or awareness, and I suspect it is a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. Section 1681i, I request that XXXX investigate and remove this unauthorized account from my credit report. This account is not valid, and its presence is negatively affecting my credit profile. 

To support my claim, I will be providing a police report and an FTC Identity Theft Report, which document the details of this fraudulent activity. I ask that these documents be reviewed in conjunction with my request to remove the unauthorized account. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please notify me once the account has been investigated and removed from my credit report. 

Thank you for your assistance.
Product: Debt collection

I sent 2 letters to all 3 credit bureaus requesting that Vance & Huffman verify this debt. This is a re-aged debt on my credit report with inaccurate information that violates FCRA.