23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am currently writing XXXX reference to my XXXX Equifax and XXXX credit reporting agencies along with the companies that are fraudulently and inaccurately reporting to these Companies! After careful review of all reports and I formation on my reports I am filing this report and a FTC REPORT AS WELL! I Ive reached out to each company I have listed and tried to get any information to verify these are my accounts or associated with me properly and they could not provide! The accounts that XXXX concerned with and have been fraudulently opened and or reported and are not MINE OR ANY KNOWLEDGE OF ARE AS FOLLOWS XXXX CLOSED ACCOUNTS XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX CLOSED ACCOUNT CHARGED OFF {$810.00} UPDATE XX/XX/XXXX! Balance XXXX UPDATED XX/XX/XXXX ( which is illegal To monthly access and report inaccurate and fraudulent information on my report with I ok t my XXXX ) THIS ACCOUNT WAS OPENED FRAUDULENTLY AND BOT BY ME! I want it removed immediately as it is illegal and adversely affecting my credit report! ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XXXX XXXX CLOSED XXXX WRITTEN OFF STATUS UPDATED XX/XX/XXXX BALANCE XXXX ( which is an accurate and fraudulent as well because how is there a written off amount if the balance is XXXX make it makes sense ) BALance UPDATED XX/XX/XXXX ACCOUNT IS ALSO OPENED FRAUDULENTLY NOT BY ME OR TO MY KNOWLEDGE AND INWANT IT REMOVED IMMEDIATLY AS IT IS ILLEGAL AND FRAUD AND NEGATIVELY AFFECTING MY PERSONAL CREDIT PROFILE! COLLECTION ACCOUNTS ON XXXX FRAUD AND ILLEGAL XXXX XXXX XXXXXXXX XXXX CREDITOR XXXX  ACCOUNT NAME XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX OROGINAL CREDITOR XXXX ( never had and is an insurance company ) ACCOUNT TYPE COLLECTION XX/XX/XXXX STATUS COLLECTION ACCOUNT XXXX past due FRAUD AND NOT MINE ACCOUNT # XXXX XXXXXXXX XXXX XXXX ASSOCIATED WITH THE CLOSED ACCOUNT OF XXXX ON SAME REPORT! XXXX XXXX XXXX with an account number XXXX original original creditor XXXX account type debt buyer date opened XX/XX/XXXX status is collection account with {$440.00} past due with the status updated XX/XX/XXXX and a balance updated on XX/XX/XXXX of XXXX, which is illegal because why is my credit report being accessed by fraudulent and invalid company that does not have permission to access my Credit file. Those are the accounts that are associated with my experience, my Equifax and my XXXX XXXX credit file. They are all on their on all three and listed the same attaching the files as documentation and I immediately want all of these removed. I do not want to start stating credit reporting laws in my consumer finance protection bureau report, but I will if I have to. it is very dishonorable unethical to these fraudulent accounts and not working with me to get them removed. I have reached out like I said to the original creditors as well as the collection companies of these account accounts and they are not valid and not mine. I have had the same insurance company for XXXX  years and have not had a XXXX account or a first premier bank card ever in immediately want these removed from my profile and I will not say it again again
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and 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.
Product: Credit reporting or other personal consumer reports

My account with TransUnion 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 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.

TransUnion 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

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Both of my XXXX XXXX credit card account status is incorrect with XXXX, Equifax and XXXX. 

My XXXX XXXX XXXX XXXX status is being reported incorrectly. 

Both of my XXXX XXXX XXXX XXXX accounts are showing closed however they are open and active. 

I received credit report alerts stating that my XXXX XXXX credit cards have been closed however, that is incorrect they are open and accounts. 

Reinsert both of my XXXX XXXX XXXX XXXX to an open and active status. 

My XXXX XXXX XXXX XXXX status is open and active not closed. Please correct. 

I have attached documents from XXXX XXXX showing both the CREDIT CARDS accounts are ACTIVE and OPEN.
Product: Checking or savings account

On the morning of XX/XX/2021 at XXXX I received an email from Capital One stating that they have chose to close both my checking and saving accounts due to not following guidelines. Prior to this incident I reported several times the use of fraudulent activity from foreign countries to the bank, locked my debit card and reissued a new one with the bank and was told that the bank will investigate on my behalf. The bank has failed to protect me on several occasions where my account has been hacked, including countries like XXXX and XXXX where they had access to hundreds of dollars from my account before I noticed. 

the bank itself failed to one contact me when noticing fraudulent activity, which when opening my account many years ago they said they will do and two, they failed to protect me as a customer, I am now out of the country with no access to my funds. No access to any of my accounts due to this on going problem
Product: Checking or savings account

I received a letter from CitiBank dated XX/XX/XXXX stating they were unable to service my account any longer so they were closing my accounts and the funds in the accounts would be sent to me by check within XXXX days. 

On XX/XX/XXXX I sent a letter requesting to know why they felt they were unable to service my accounts. They did not respond. 

On XX/XX/XXXX I called the number given to me in the letter dated XX/XX/XXXX. The agent stated I would need to contact some one else for further information. I requested to speak with a supervisor. After being repeatedly placed on hold she comes on the line and tells me she has transferred me to a supervisor and she disconnects, no one comes on the line and the call is disconnected. I again call to request a supervisor and am told I would not be issued the funds in my account because the funds in the account were not mine. If it's not my money then whose is it? When I asked whose funds they were then she states she can't give me that information. I request the supervisor for further information. Again I am repeatedly put on hold, again they come on the line telling me I am being connected to a supervisor and they disconnect, again no one comes on the line and the call is disconnected. 

I had approximately {$1100.00} in my checking account and {$87.00} in my savings
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX XXXX XXXX  could not have charge off an account in bankruptcy that did not exist. To further the conspiracy Equifax has been blocking my account so that my recent credit cards can not report. XXXX Bank and XXXX XXXX banks are two of the four that  have been blocked.
Product: Checking or savings account

Chime has been false advertisement about early two day pay check payments. Its been going on for years. 
started job XX/XX/year> checks be around XXXX to XXXX. I'm always waiting to get paid. please help me
Product: Credit reporting or other personal consumer reports

I was told by TransUnion that everything was verified when i know for a fact that the accounts that were disputed were not accurately reporting or in completeness and according to the FCRA the credit agencies and the furnishers are suppose to report the information accurately and in completeness. XXXXXXXX XXXX XXXX XXXX XXXX XXXX I don't recognize and XXXX  XXXX is reporting the payments and balances are reporting different on each credit agency.
Product: Credit card

Charged too much credit while XXXX  in Louisiana. Was not aware of the 6 % XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on all 3 bureaus. This company is in violation of FCRA 623aB in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my account.
Product: Mortgage

My mortgage was sold to rez mortgage from XXXX. Then rez mortgage wanted to tell me I was behind when I wasn't so I emailed my bank statements to prove I wasn't and they still haven't fixed it. I haven't paid XXXX, XXXX, or XXXX because they'll put it on the months I do not owe. I have the money to pay but I don't want them to come back and say I'm still behind. I have contacted them numerous times and also asked to speak to a supervisor. I had to pay my homeowners out of my own pocket.
Product: Debt collection

I XXXX XXXX have Noticed a Collection debt from americollect showing a balance from XXXX  XXXX XXXX XXXX XXXX of {$400.00}. Ive called. Americollect and asked for information on this they said what the hospital name was and i do recall going to XXXX XXXX XXXX hospital on or around XXXX of XXXX so i called the hospital XXXX XXXX XXXX hospital billing department and asked for my itemized bills if they were paid by my insurance and or sent to collections. Hospital tild me they dont send bills into collections. So i called my health insurance provider and asked if i had any bills with an amount due or if any was sent back and they stated no as well. Ive had medicade my whole life and have never had an issue. I pay my bills no matter if its paynents or not. Well i called americollect back and explained what i was told by both my insurance and the hospital billing department and they said it was sent to XXXX which is the hsopitals billing agency or somthing like that. Well ive reached out to them and asked for the bill thats due of th e amount of {$400.00} and i have yet to recieve that. I asked why wasnt i informed or noted of this bill before it went into collections having 4 month period from the time they said i went to the hospital which was in XXXX of XXXX and was recieved to collections on XXXX of XXXX i was never called which ive had the same number since. i havent recieved a bill or anything. Ive had my social secreity card stolen from me when i was a teenager. About XXXX XXXX XXXX. Ss has flaggd my account since. Well since no one can give me detailed i formation or couldnt reach out to me to pay this debt owed. I have lost out on alot of money by getting my credit up high to americollect to destroy it by dropping me down 60 points. I need help figuring this out. The hospital sent me my bills from that month and year which neither have that amount owed or date. I have all proff i need so why cant XXXX  help me when i pay them to check my crwdit every month. This is getting out of hand. And ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt not authorize this company to run my credit.
Product: Credit reporting or other personal consumer reports

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Product: Credit card or prepaid card

Cant login to Carecredit.com They must have recently changed the system.I want to pay it off but log in has disappeared.I tried calling and they talk too fast and tell you to go online which I am them switch to XXXX
Product: Debt collection

I have sent Portfolio Recovery Associates , LLC a Verification of Debt Request letter via email per their website on XXXX. On XXXX I received a letter in the mail from XXXX XXXXXXXX XXXX XXXX XXXX Stating their clients authorized them to extend to me a settlement option. This letter stated the amount i owe is XXXX with an account ending in XXXX. On the portfolio recovery website, that account ( which is still open on their website ) showed amount owed XXXX account ending in XXXX. Both reference a XXXX  XXXX XXXX credit card. I never received an actual response to the verification of debt letter. On my current XXXX credit Report the date that is being reported to them that I opened that account is XX/XX/XXXX and on my account listed on Portfolio Recovery 's website the open date listed for that account is XXXX. Also, on the Portfolio Recovery 's website, it clearly states " that due to the age of the debt they will not sue or report payment or non payment to the credit bureaus. '' Clearly posted on my current XXXX credit report, it is being reported as " charged off as bad credit, and unpaid balance reported as a loss by credit grantor. '' Last updated date XXXX. Cleary my letter was received, my disputes have been received, and instead of a response, they report to the credit bureaus which they state they do not do. I have given the 30 days to respond to my verification of debt letter with no response. This matter is deemed closed due the non-compliance with the FDCPA therefore resulting in the deletion of the account from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress. Account Name XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

In accordance with Fair c=Credit Reporting Act. XXXX XXXX XXXX Account XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Company XXXX XXXX called me threatening to serve me paperwork at my job if I did not set up payments to repay Great Plains. I set up payment of {$500.00} a month for 3 months but when I tried to call Great Plains to check on payment arrangement they told me that another company actually owned my debt ( XXXX XXXX XXXX ). I have spoken the XXXX and they also told me that XXXX did not own my debt. XXXX stated they would send me my {$500.00} back and stop previous arrangements, however I doubt I will ever see that money and if I do it will probably be a fraudulent check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date is XX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called XXXX and was told The servicing was sold to a company called XXXX XXXX XXXX XXXX . 

I was never notified by XXXX XXXX XXXX or XXXX ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on XXXX that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from XXXX  removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about XXXX they will still report it late due ti know fault on my part Thank You and PLEASE help help me XXXX