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

Equifax has mishandled my information, did n't notify me XXXX I found out via social media and had to go to their poorly made response site to check for myself XXXX, and now has cost me several hours and will continue soaking my time and money to deal with paying for and monitoring reports against fraud as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting

I paid off the past due balance on a credit card through the assigned collection agency in 2011 ; however, the original creditor shows that the debt is still owed - this is incorrect on my Experian report. XXXX XXXX needs to indicate that the debt was sold. The collection agency shows correctly that the debt was settled in full in 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open an account using my name and personal information. I am a victim of identity theft. The account is with a company by the name of XXXX XXXX XXXX. I want this information removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off Inquiries In Dispute : XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

HBSC had reported an unpaid balance under XXXX dollars to the credit bureaus harming my credit. 

I had CLOSED the account two times previously. 

ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX. 

The source of this email alert notice is HSBC Bank USA, N.A. 
HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX. 

Our postal address : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX.
Product: Credit card

I allowed my son to use my account and he paid the bill. Upon his passing we found out that the balance was over {$17000.00}. and we were told that because the account was in our name we were responsible. Our credit limit was XXXX, very sufficient, but Home Depot took it upon themselves to extend credit beyond that amount. I feel that we should be resposible for only charges upto the credit limit. I have never heard of any credit card extending credit without the knowledge, consent or request of the card holder, but I guess with approx. 24 % int. they did n't care.
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. 
XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  : # XXXX, XXXX Acct # XXXX XXXX XXXX Acct # 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

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO/LATE Response to Dispute (XXXX  XXXX XXXX
XXXX
Account Holder: PRCollect Inc.
Account # XXXX
I have submitted a dispute through XXXX through XXXX XXXX XXXX  on XXXX XXXX,
XXXX the document was verified and received on XXXX XXXX XXXX, the estimated completion
date was XXXX XXXX XXXX. The estimated mailing received date was XXXX XXXX XXXX. The
credit bureau used more than the allotted amount of time given to respond. I have also attached
photos of the receipts for the certified mail, as well as a copy of the dispute letter sent to the
bureau. Attached you will also find a photo of my XXXX Identification card.
Under the "Fair Debt Collection Practices Act",
 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in
connection with the collection of any debt. Without limiting the general application of the
foregoing, the following conduct is a violation of this section:
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector
for the collection of a debt.
(11) The failure to disclose in the initial written communication with the consumer and, in
addition, if the initial communication with the consumer is oral, in that initial oral communication,
that the debt collector is attempting to collect a debt and that any information obtained will be
used for that purpose, and the failure to disclose in subsequent communications that the
communication is from a debt collector, except that this paragraph shall not apply to a formal
pleading made in connection with a legal action.
 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection
of any debt, a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
Product: Money transfer, virtual currency, or money service

Chime sent me multiple emails about opening a new account, my first and last name were used as well as my email address. I called and asked on information about this account with my email address listed. They pried for my personal info and then told me the information didnt match the records, they updated my email address in their system but still used my email address, they just added XXXX to the end of it. Ive asked them to close this account that is obviously used with my information and they refuse.
Product: Credit card

In XXXX, I had went to pay my bill before XXXX XXXX on the date it was due. However their system would only let me schedule it for the next day. I sent a message asking them if I would get a late fee and explaining I was out of the country for most of the month and could not get to paying the bill earlier. 

The first message I received was that had not been charged a late fee. This was on XX/XX/2024. 

I did not receive a bill the following two months. In XXXX I began getting text message and calls that my account was overdue. They charged me two late fees, one for XXXX, and another for XXXX, plus interest. I again reached out again. They told me that " Please be informed, if your account has a XXXX balance with no activity, no statement will be available for that month and year. '' They were only willing to credit {$15.00} as they " Unfortunately we do not have an option to waive all the late fee charges incurred on your account. '' I asked that this be reviewed in a follow up on XX/XX/2024. They again declined. 

I sent a full payment for the balance that was processed XX/XX/2024, the day before the due date. However, they charged me {$2.00} in interest after the full payment was made.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found errors and inaccuracies with my personal information. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

I recently checked my consumer profile Theres a Hard Inquiry on XXXX XXXX & XXXX for Resident Verify on XXXXXXXX  which is fraud and misuse of my personal information I need this removed immediately thanks
Product: Debt collection

I SENT A LETTER TO MIDLAND CREDIT MANAGEMENT REQUESTING FOR VALIDATION OF THE DEBT AND BALANCE ON XX/XX/year> BECAUSE I DO NOT THINK THE DEBT IS MINE. I RECEIVED NO RESPONSE.
Product: Student loan

When a Chapter XXXX Bankruptcy was filed in 2008, the student loans were in default and assigned to XXXX collection agencies, XXXX XXXX XXXX and XXXX XXXX XXXX. Appx. {$42000.00} was claimed and during the XXXX XXXX, appx {$25000.00} in payments were made. Upon beginning a repayment plan after bankruptcy was completed, I consolidated what I thought was left with Navient. Navient has {$52000.00} in student loans due and owing. No where in any student loan payment ( as far as I can see ) does it show the principle balances of {$15000.00}, {$6200.00} and {$3300.00} was applied to my student loan debt. I have opened a case with the obudsman group but they are also having difficulty finding what payments were applied and where. I can via my bankruptcy paperwork show the principal amounts that were paid and listed above. 
Navient does not answer emails, etc and I can not afford a {$600.00} a month student loan payment. Please advise.
Product: Mortgage

In XX/XX/2010 I entered into a loan modification program with Wells Fargo. All payments were made complete and on time. In XXXX we decided to sell the home and use the proceeds to pay off the loan. After selling the home, and while in contract to purchase a new home, Wells Fargo incorrectly reported to the credit bureaus that I was 90 days late on my payments. 

Wells Fargo 's excuse was that the modification payments were not applied correctly, and due to the lowered payment amount, caused the loan to fall behind. The bank was taking the payments and applying the amount to the previous month, even though the amount paid was the new amount per the modification agreement. This caused weeks of headaches, hours spent on the phone with Wells Fargo just trying to reach someone who could make sense of the situation, days missed of hours, and unimaginable stress.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I need my funds in PayPal. My email linked to my PayPal is " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim These accounts are not mine XXXXXXXX XXXX balance {$21000.00} XXXX XXXX XXXX  {$21000.00} XXXXXXXX XXXX balance {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXXXXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till XXXX Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} XXXX XXXX : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 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 Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und 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 report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I bank with Wells Fargo NA. I have had accounting discrepancies starting XX/XX/XXXX for  {$200.00}. I kept having discrepancies XX/XX/XXXX for {$1500.00} ; XX/XX/XXXX for {$380.00} ; XX/XX/XXXX for {$500.00}. On XX/XX/XXXX, I adjusted my account {$280.00} dollars to reflect what the bank had. I then had discrepancies on XX/XX/XXXX for {$320.00}. Then on XX/XX/XXXX for {$240.00} ; XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00}. OnXX/XX/XXXX a difference of {$300.00}. On XX/XX/XXXX, I again adjusted my account {$320.00} to reflect the banks numbers. On XX/XX/XXXX, right after adjustment, I had another {$100.00} difference! I then went into the bank on XX/XX/XXXX to talk to a banker about the problem. Her name was XXXX in XXXX, Nevada. We both had the same numbers, but she could only spend time to do 1 months worth of ledger. I have copied all my ledgers from XX/XX/XXXX to XX/XX/XXXX. I feel that I am out around {$750.00} to {$850.00} dollars. I will need to send the ledger copies to you! I have 5 sets of 20 pages. I have a mortgage with Wells Fargo.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I contacted the companies first and after 30 days of no response I requested 2nd attempt but no response. Than requested Equifax to remove immediately due to no evidence of authorization, nor any permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you Validate all tradeline listings by Pentagon- XXXX for me, XXXX XXXX XXXX under account number XXXX. Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I have some contractual obligation in relation to that tradeline. 

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.