23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed a fraudulent account with equifax submitted the police report identity theft dispute letter and affidavit and equifax did n't block or delete the item pursuant to FCRA 15 U.S.C. 1681-c2. They stated the account was verified. This account XXXXXXXX account # XXXX is not my account I never had XXXX phone service. They also was reporting duplicate accounts for years I submitted CFPB dispute XXXX and they finally removed the duplicate accounts. Please delete account immediately from my credit report Pursuant to the FCRA.
Product: Credit reporting or other personal consumer reports

My account with 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 paymen t reported in 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 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: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts on my credit report, following a data breach that compromised my personal information. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of any fraudulent accounts or unauthorized inquiries from my credit file. 
Accounts to Be Blocked and Deleted : XXXX, XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} 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  Inquiries to Be Blocked and Deleted : XXXX  XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I Found out my mom opened 3 credit cards from capital one under my social security card without my knowledge.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had gotten a auto loan from home credit inXX/XX/XXXX when I purchase the car loan I had gotten it for my ex wife XXXXXXXX XXXX which is also on the car loan as a reference.., during the time the auto loan was in her possession on XXXX XXXX XXXX  ... XXXX XXXX  nc ... XXXX  in XX/XX/XXXX before our car got repossessed I had set up a payment arrangement to set the payment to be drafted out of my account and which the company did get their payment ... at the time of my repossession I was only 2 months behind ... I felt as I was done very wrong at home credit because I was doing everything right by open communication ... they never told me that they was going to repo our auto loan ... and because it was in my name it has greatly impacted my credit ... we all fall short at times but when you try to pay your auto loan to keep from getting a repossession its very hurtful ... I tried contacting the XXXX  home credit and call the main office in XXXX   nc ... .and my wife also left messages and I never received any calls back.. my wife as of now is XXXX XXXX and now we are joint together on the credit report and its affecting her credit as well ... I have proof and documents of when I paid to home credit the same month they repossession the auto
Product: Prepaid card

I was given a Vanilla Visa Gift card for {$280.00} as a birthday present in XX/XX/year> to use toward an event happening in XX/XX/year>. I opened the card out of the packaging for the first time to use it in XX/XX/year> and there was only {$0.00} balance on the card. I went to the Vanilla Visa website to report the issue ( when I checked the balance, it showed two transactions I didn't make made in XX/XX/year> ). I have tried at least 10 times on different days to report the fraudulent use of the card through their website, and it gives me an error every time. When I call customer service, it directs me to submit the problem on their website, and there is no option to talk to a real person at all. How can it be that their only form of reporting the unauthorized transactions is on their website but it doesn't actually go through? This is shady business practice, since I saw that there is a lawsuit against them for knowingly selling cards that were easy to compromise, and then on top of that, there is no functional way to report unauthorized transactions to them to possibly recover the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received notice from XXXX XXXX cards that my credit line was being reduced due to information reported to XXXX by Bank of America ( BAC ). Upon viewing my credit report in XXXX, I learned that XXXX reported that I missed a payment in XX/XX/XXXX. I reviewed my online statements and bank receipts and they both show I made a payment of {$500.00} was received by BAC on XX/XX/XXXX and I was never 30 days late in XX/XX/XXXX as they reported. 

I have filed XXXX disputes with XXXX to get the information corrected and each time BAC send different payment information that is still incorrect as of XX/XX/XXXX XXXX dispute # XXXX. As of today, the payment history shows that my last payment before the XX/XX/XXXX statement ( Which was send XX/XX/XXXX ), was XX/XX/XXXX. This is incorrect since I made a payment in XX/XX/XXXX for the payment due ( see attached records ). I was instructed to call BAC and I did XXXX times spending a total of XXXX hours waiting on hold or talking to representatives. Each time they acknowledged a payment was received on XX/XX/XXXX but failed to send the correct information to the credit bureaus. I believe BAC is not acting in good faith and is trying to cover up an error that their transaction data reporting system made. I believe they have violated credit reporting regulations. 

This has ruined my credit and put me in financial risk as my XXXX XXXX and history prevented me from receiving a capital loan for my business as well as caused other creditors to reduce the amount of credit I had available. I am seeking restitution and for the correct payment history information showing my XXXX XX/XX/XXXX payment to be sent to all reporting credit bureaus asap.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXXXXXX, dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. However, I want to emphasize that this account is not mine and has never belonged to me. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting act Convergent Account XXXXXXXX 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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN XXXX AND EXPERIAN - PAYMENT SUMMARY AS EXPERIAN REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, XXXX REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to formally request the removal of unauthorized hard inquiries from my credit report. 
After reviewing my credit report, I noticed several hard inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score and are a matter of great concern. 
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under specific circumstances, such as in response to a court order or with the consumers written permission. As I did not provide authorization for these inquiries, they are in violation of the FCRA. 
The unauthorized hard inquiries I am disputing and requesting to have removed are as follows : 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 I request that you investigate these inquiries and provide written confirmation that they have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes. 
Enclosed with this letter, you will find copies of my identification and a copy of my credit report with the disputed inquiries highlighted for your reference. 
Thank you for your prompt attention to this matter. Please contact me if you require any further information or documentation. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed directly with the creditor ( Aqua Finance ) REGARDING AN ERRONEOUS Account they have been reporting on my credit report for over 1 year. 

I opened 1 account with this company and after disputing it with them directly. They claimed to have done an investigation and verified that all information is correct with the credit bureaus, when it is not. 

They also fraudulently opened a " new account '' claiming to have " re-booked '' an older account but with new terms and conditions which I DID NOT agree to. They fraudulently opened a second account nd began reporting it to the credit bureaus. 

You can see in the second letter attached dated on XX/XX/XXXX, THEY ADMITTED TO THIS FRAUDULENT activity. 

The account reporting for both are in violation for the FCRA and as consumer they have prevented me from getting a mortgage I believe because the CRITICAL Metro2 fields are non-compliant.

The fields do not match. " Account Status '', date opened, Date closed, date of last activity, Comments, credit limit. 

Both of these accounts under the FCRA should be deleted immediately for failing to report accurate, consistent and objective information. 

this company has hurt my financial well-being and cause serious mental and emotional distress for me and my family.
Product: Credit reporting or other personal consumer reports

Information was compromise by XXXX data breach.. According to 15 U.S. Code 1681c-2, This my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts :
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX 's XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I did not authorize. And i did not consent to these alledged inquires
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have an escrow account with my mortgage. The mortgage servicer, American Financial Resources , Inc has failed to pay my property taxes from the escrow account. I sent them a note including a copy of the property tax bill more than a month ago. The never responded. I followed up with the same information again a week ago. They never responded. I called today and they claim that they are escalating the problem and that the taxes are going to be paid, but are now delinquent.
Product: Debt collection

I have no idea who this company is and what they are collecting for. I have never received a letter or phone call for this balance. Per my credit report the original creditor is XXXX and I have never had an account with this company. I have called XXXX and they did an investigation and verified that I have no account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending certified disputed letters no response or anything changing on my credit reports accounts are still there as of today. Cant make any big purchases nor get any good credit cards because of these bad debt reporting on my reports XXXX and XXXX ONLY REPORTING DEBT THAT DOESNT BELONG TO ME. XXXX has updated all reports with debts deleted. Not sure what's going on with XXXX & XXXX REPORTS THEY ARE NOT CORPORATING WITH MY RIGHTS.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a pressing issue regarding fraudulent items on my account. It has come to my notice that unauthorized transactions and charges have been made, jeopardizing the security and integrity of my financial information. 

As a victim of fraud, I am deeply concerned about the impact of these unauthorized activities on my financial well-being. I demand swift and decisive action to rectify this situation and protect my account from further harm. 

I insist that these fraudulent items be promptly removed from my account without delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and address the issue to prevent any further damage to my financial security. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to safeguard its customers ' interests. With this, I am asking for your assistance to remove these fraud items in my credit file : 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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX XXXX has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 card

Blessings to you. Capital One is saying that I have another credit card with them. I dont they constantly keep asking me to pay this bill. I have a credit card with Capital One which I am paying on now the other one I have no knowledge of that they constantly keep saying that Im I owe this money and I know that I dont. I am paying on time my Credit card that I already have but the other one I dont understand what that is about can you help me?
Product: Credit card or prepaid card

When trying to make my payment for XXXX, the website is not working. Ive called 6 times and continue to get no where. All representatives tell me that the IT department will call me. After 2 weeks of trying, Ive still not received any help or resolution. I NEED TO MAKE PAYMENT SO I DONT INCUR INTEREST CHARGES. Ive spoken to XXXX XXXX, XXXX, etc. No one at Chase will help or fix the issue.
Product: Credit reporting or other personal consumer reports

XXXX is a fraudulent account. I asked the debt collector and the credit reporting agency on XXXX of XXXX  to provide a purchase agreement for the accounts, and they could not provide the information.
Product: Credit reporting

I have made an attempt to make police reports but was denied which led me to wonder why I was being blacklisted at many places. Infact, so much of my information is compromised I could not even obtain my own credit report. My mail was moved without my permission. I had to put the matter with law enforcement through MI DEPARTMENT OF CIVIL RIGHTS. THE NEXT TIME SOMETHING WAS FRAUDULENTLY DONE IN MY NAME WHICH CAUSED ME TO BECOME OVER ANXIOUS THEY SUGGESTED CHANGING MY SOCIAL SECURITY NUMBER, I CAN NOW NOT BE SO SURE AS THIS IS ONE OF MANY PROBLEMS I HAVE HAD WITH THEM BEING DISCRIMINATORY. I was not actually able to go to the social security office in my home town, as I even felt they we 're some what discriminatory ( XXXX, Mi ). They would n't even let me sign up for SS on line on their computers. I had to go downtown to XXXX to do any business even after obtaining pieces of my stolen identity such as XXXX, SS CARD, INSURANCE CARD, ID. I COULD N'T USE THE SECURITY OF STATE TO DO MY BUSINESS IN XXXX, OR RED FLAG MY IDS AND ABOUT XXXX WE 'RE STOLEN. There we 're weird addresses in states I 've never even visited in on my credit report. On XXXX it looked like my age had been compromised.