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

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credits report. 
XXXX ) XXXX XXXXXXXX open XX/XX/XXXX, account : XXXX XXXX ) XXXX open XX/XX/XXXX, account : XXXX XXXX ) XXXX  XXXX open XX/XX/XXXX account : XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX account : XXXX XXXX ) XXXX XXXX XX/XX/XXXX, account XXXX XXXX ) XXXX XXXX. Account : XXXX ********** *** Your company is in clear violation of the law. Under 15 USC 1681b - And under 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,, The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates, I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. Please update and delete late payment under 15 USC 1681s-2 ( F ), thanks
Product: Vehicle loan or lease

I buy car but as loan fron XXXX XXXX XXXX 5 days I tried to return but they don't wan4 I keep back and forth but they don't want return then they sent balance of Car remaining XXXX And they give bad credit I need to reduce at the amount considered I rent why they don't that
Product: Credit reporting or other personal consumer reports

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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 card

Around XXXX, I received XXXX credit card offers under my company name XXXX XXXX XXXX from Chase Financial Services. As I was president of the corporation, the cards was in my name as well as the corporations name. All purchases on the cards were company related purchases. No purchases were ever made by me for anything personal. As a result of the financial crises beginning in XXXX, my company, which had been in business for XXXX years ( XXXX ) went bankrupt. Chapter XXXX was granted in XXXX and company was taken over by the trustee. All creditors were notified and released me of debts except for Chase. Chase claims I am personally responsible for the corporate debt even though I never signed any personal guarantees. I have requested over the past several years for them to provide me something, anything, indicating that I have agreed to personal liability. They have refused. What they have done is ruin my credit, increased my borrowing costs and limited my financing options. Please help
Product: Checking or savings account

I noticed while looking at my Wells Fargo account history that the following activity on XXXX/XXXX/2023 was posted : " WITHDRAWAL MADE IN A BRANCH/STORE ''. I did not make a withdrawal. the amount was XXXX dollars in cash. I called wells fargo and they could not tell me which branch or anything except that this was done using a handwritten check. i have never used a check in my entire life except for once, a cashier 's check to buy a car. that is it. This is definitely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

On XX/XX/30 I received email notification that my Macys credit card was being used and I contacted Macys immediately. The person I spoke with said the charges were pending so they could be canceled. A few days later when checking my credit report, I noted the charges were appearing on it and contacted Macys again. This time I was told the pending charges could not have been canceled and I was then able to file a fraud report. All the charges were to account ending in XXXX and were fraudulent made at the Macys Store Woodfield. 
I had never had this or any Macys card in my possession. Charges listed in the email alerts were XXXX XXXX XXXX XXXX I don't know why the spending alerts do not add up to the fraudulent charge balance on my Macy 's account {$1600.00}. I nor anyone else known to me made these charges. A police report was filed and sent to XXXX. The report is attached to this complaint
Product: Student loan

My loan was purchased by XXXX, the operational division of Nelnet. My payment was previously {$310.00}. They more than tripled it and put it on auto debit without my permission.
Product: Credit reporting or other personal consumer reports

These collections and charge-offs were all on settlements and after XXXX, XXXX came back and said that they all werent settled completely. I have XXXX XXXX, from XXXX XXXX XXXX handling this since then. We will submit an email or fax any info you need please contact her.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : DPT ED/XXXX Account Number : XXXX Account name : DPT EDXXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Ford account # XXXX has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states 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 card account under ar open end consumer credit plan as late for purpose.
Product: Debt collection

American Coradius International, LLC is sending me collection notices in the mail on behalf of XXXX to collect on my XXXX in XXXX acccount. I believe this is fraud. I dont owe XXXX XXXX money and while I have a XXXX account I do not have a XXXX in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported. 
The company is American Coradius International, LLC Telephone XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists, ( please remove this account before I seek litigation for defamation of character. ) XXXX BALANCE {$840.00}, XXXX XXXX XXXX BALANCE {$530.00}, I XXXX XXXX BALANCE {$830.00}
Product: Credit reporting or other personal consumer reports

I file XXXX complaints with Consumer Financial Protection Bureau case Number XXXX & XXXX. 

Instead of Equifax completing the request or providing the information they sent me a letter requesting that I send them a copy of my Social Security Card and Driver License. 

I refuse to provide Equifax a copy of my Personal information which I am not required by law Under the Fair Credit Act Law. XXXX Equifax had a data breach which affected millions of people there for I do not trust Equifax by send my persona information to God Knows Who. I also was impacted by Equifax data Breach there for I'm demanding the delete the information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : XXXX XXXX XXXX : # XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me.

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have only lived at 1 address in fl. To my understanding there is another XXXX XXXX in my area
Product: Credit card or prepaid card

I have submitted a cancellation of the entire order to both Best Buy Credit Card Services along with XXXX XXXX XXXX and the items are still appearing on my statement. I followed the cancellation process according to terms and conditions of both companies and yet I am still being charged for furniture which I have never received and or signed for delivery acceptance.
Product: Mortgage

I called company and asked why my escrow payment was higher than actual escrow. They said that it was cause they didnt hold out enough XX/XX/XXXX. I changed Insurance to lower my payment. XX/XX/XXXX. They sent me a letter XX/XX/XXXX and said my payment increased to XXXX from XXXX because of escrow shortage of XXXX. My insurance is less and my taxes didnt increase that much and they have been taking out more escrow than the correct amount since the beginning of mortgage.
Product: Credit reporting

Transunion is reporting a collection on my credit report from 1998. I got a ticket for something when I was XXXX years old and had an unpaid fine. I did n't realize that I should n't pay a debt from 18 years earlier but I did and now it is damaging my credit. I 've disputed with Transunion three times to remove it and they refuse. Please get it taken off my account.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my friend sent me {$400.00} ( of which {$6.00} were fees ) over Square Cash I had the immediate debit card transfer turned on, and the funds transferred over to my XXXX XXXX  debit card. However, I had closed down the bank account ( and debit card ) a few days prior. 

XXXX XXXX  said that they did not receive the funds Square Cash said that they confirmed with the payment processor that the funds were successfully sent to XXXX XXXX I am now in a predicament because my {$390.00} has essentially disappeared in thin air. Neither party is claiming responsibility for this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute and Notice of Civil Liability for Negligent Noncompliance under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the following inaccurate information on my Experian/Equifax/Transunion credit report , as the company has failed to properly investigate and correct these inaccuracies, violating obligations under the Fair Credit Reporting Act ( FCRA ).

The inaccurate information includes : 1. Collection Account XXXX XXXX XXXX ( {$550.00} ) - This collection account is inaccurate because the debt does not belong to me. I have never received notice of this debt nor agreed to any obligation with this company. I previously attempted to dispute this item, but it remains on my report. I request verification of the original creditor and a copy of the purchasing agreement. If valid written documentation can not be provided verifying that this debt is mine, I request that this account be removed from my Experian/Equifax/Transunion credit report immediately .

2. XXXX XXXX XXXX XXXX XXXX XXXX ( {$20000.00} ) - This account is inaccurately reported as an incorrect balance. According to my records, the account status is wrong. I request verification of this debt, including the purchasing agreement, and an update to reflect its correct status. If valid written documentation can not be provided verifying that this debt is mine, I request that this account be removed from my Experian/Equifax/Transunion credit report immediately . 

XXXX. XXXX XXXX XXXX XXXX XXXX ( {$380.00} ) - This account is incorrectly listed as charged-off, but it was closed in good standing. I attempted to resolve this with ADS/Comenity, but no corrections were made. I request verification of the original creditor and a copy of the purchasing agreement. If valid written documentation can not be provided verifying that this debt is mine, I request that this account be removed from my Experian/Equifax/Transunion credit report immediately .

Under 15 U.S. Code 1681o, any entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as attorneys fees and court costs. This failure to reasonably investigate and correct these errors has caused harm, including but not limited to : - Denial of credit, housing, or employment opportunities - Negative impact on credit standing - Unnecessary financial hardship To resolve this matter, I request the following actions : - Conduct a thorough investigation of this dispute and provide a written response within the required timeframe under the FCRA. 
- Correct or remove the inaccurate information from the report.

- Provide written confirmation of the resolution.

If this issue is not resolved promptly, I am prepared to take further legal action to seek damages as provided under 15 U.S. Code 1681o.

Please respond in writing regarding the outcome of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've challenged the following accounts on many occasions, however the main 3 credit bureaus, XXXX, Experian, and XXXX all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, XXXX XXXX XXXX, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.
Product: Checking or savings account

Ive been trying to resolve this issue since XXXX of XXXX. I had a checking account with Chime. On XX/XX/XXXX of XXXX, a charge hit my account from XXXXXXXX XXXX XXXX  for {$4000.00}. I have never XXXX XXXX XXXX  from this company. 
I am a victim of identity theft, and I sent my identity theft report and police report to Chime. They denied my claim. I asked them for documentation of what they did to investigate. What they sent me said that all they did was call XXXX and an agent told them over the phone that their info in the computer matched my information. 
Chime told me that my old Virginia license was used to rent the car, and I havent had that license since XXXX. 
Also, the dates that the car was rented, I was in the XXXX  in Louisiana. I sent them documentation of that. The car was rented in XXXX, Florida. They still refused to remove the charge. 
I wasnt aware that I could go through this service to try to get this resolved, or I would have done so much sooner.
Product: Checking or savings account

I went to XXXX XXXX to to clean my vehicle ( rental ). At some point I left my phone at the store.. due to the detailing it takes me a few hours to clean the car.. during this time I used my debit card to purchase gas still not noticing my ohone was gone. when I finally realized my phone was gone I went back in the store at which time a lady stated that someone just brought it up. I got my phone and went about my day.. a short time later I noticed a charge on my account paid out to a random email of {$200.00} and then a second showed up moments later while I was in my app of {$20.00}. I have disputed these charges as I am unaware of the charges or email associated. I have had this account for a few years and nothing like this has ever happened. I submitted a dispute for the charges and have received an email stating there was no error that occured.. yet my money is gone!
Product: Credit reporting or other personal consumer reports

Certainly, here are two paragraphs emphasizing the removal based on fraud and deception by credit bureaus : I am writing to urgently address the fraudulent account XXXX, purportedly managed by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. This account, which has been wrongly attributed to me, is a clear case of identity theft and fraudulent activity. Despite my repeated attempts to rectify this matter and provide evidence of the fraudulent nature of the account, these agencies have callously disregarded my rights and continued their collection efforts. Their persistent pursuit of collection on a fraudulent account demonstrates a flagrant violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, the credit bureaus ' involvement in perpetuating this deception by allowing such fraudulent accounts to remain on my credit report is deeply troubling. Despite being informed of the fraudulent nature of account XXXX and receiving evidence supporting my claim, the credit bureaus have failed to take appropriate action. Their negligence in addressing fraudulent accounts undermines the integrity of the credit reporting system and jeopardizes consumers ' financial well-being. Immediate action is imperative to remove this fraudulent account and rectify the damage caused by the credit bureaus ' inaction.
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 on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a security breach at Experian. The FTC website says that I can put a fraud alert on my account, but Experian is not allowing that. They only allow a freeze, without any customer service assistance, and they charge for the freeze. I want the free fraud alert since this is not my fault. Experian has set up their phone lines so that we as consumers can not speak with a live customer service representative, and the phone tree options only allow the freeze. This is extremely unfair.