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

In accordance with the fair credit Reporting act XXXX 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 open end consumer credit plan as late purpose. 
+ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a very frustrating and extremely damaging experience with XXXX XXXX  Credit Reporting affiliated with XXXX XXXX XXXX XXXX Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from XXXX  that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX had reported that my XXXX XXXX XXXX card was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several 800 numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inaccurate remarks that these companies added in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I respectfully requested to have these hard inquiries removed from XXXX  credit file. These Hard inquiries are inaccurate and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The Hard inquiries are ( see Below ) The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX The following account is not mine XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is very clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the ongoing stress being caused by the delayed resolution of this situation. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

XX/XX/19 XXXX XXXX ACCT # XXXX {$20000.00} WIRE TRACKING # XXXX  TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ACCOUNT # XXXX SWIFT CODE : XXXX   RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  PHONE # XXXX   XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$20000.00} # XXXX confirmation code : XXXX   TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ACCOUNT # XXXX  SWIFT CODE : XXXX RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX XX/XX/19 XXXX XXXX XXXX XXXX {$20000.00} ACCT # XXXX  REF # XXXX  TRANSFER TO : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ACCOUNT # XXXX SWIFT CODE : XXXX   RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX   XX/XX/19 XXXX XXXX XXXX XXXX {$15000.00} ACCT # XXXX WIRE PAR # XXXX DISCLOSURE # XXXX TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX SWIFT CODE : XXXX RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX Spoke to banks about the fraud and stopping money they said couldn't help me. Banks should alert people when they know 9 out of 10 times every wire transfer to XXXX XXXX XXXX ( XXXX XXXX ) XXXX  is fraudulant. If they would have said to me do you know there is alot of fraud wiring money to this bank I might have realized it was a scam before I sent out {$75000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres incorrect information on my credit report. I spoke with Credence Resource Management on XX/XX/XXXX in regards to a collect on my credit report for an XXXX XXXX XXXX account thats been paid off for over 4 years now. I was informed that they never deleted it from my credit profile, because I never gave them the initiative to. But after speaking with a representative via telephone, he informed me that it would be deleted from my credit profile within 7 to 10 days. It has now been 21 days, with 15 of those days, being classified as business days. They will not delete the collection, they are just continuing to give me the run around and Ive been more then patient with them, because once again this account was paid off XXXX  years ago in XXXX, it is now XXXX.
Product: Credit reporting

I am unable to obtain my Equifax credit report because NONE of the validation/verification challenges are recognizable. YES, I *do* have a mortgage and auto loan ; HOWEVER, they are not with the businesses listed nor are the monthly payments correct. I am a senior citizen and I drive very little. I do NOT have access to a printer to mail them a copy of my ID. I *do* have my driver 's license scanned but I can only provide it via email as I have no access to a scanner. I need to see my credit report to dispute what I suspect are OLD derogatory items. Also, I am now very worried because of the weird verification questions that there are serious problems with my credit report. I am a XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX there are four credit inquiries that I didnt agree to and there are four in one month. I havent done business with XXXX in four years. I havent applied for a loan with TD Auto Finance since XXXX, I have no idea who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was evicted from my apartment and owed XXXX dollars. I tried to pay the amount but they sent it to collections with procollect Inc. Procollect added more money to it and the balance on my credit is XXXX. This is preventing me from moving. I've never had a contract with procollect and didn't give them permission to buy my debt from the old apartment. I had the money to pay the apartment but they refused the money the day we left court.
Product: Credit card or prepaid card

I paid my Bank of America credit card on XX/XX/XXXX and I was failed but also it disappeared there is no transaction about it and was charged {$35.00} late fee this month XX/XX/XXXX XXXX paid {$100.00} to my account and it went three like normal. When I check my credit card on the app today XX/XX/XXXX XXXX shows payment failed and late fee of {$40.00}. I had no idea the payment failed and it was through their own app my debt is with Bank of America. I even had auto payments setup earlier this year and they still where finding a way to charge me fees
Product: Vehicle loan or lease

WestLake Financial is in violation of the contract because it is charging the monthly payments for my car note on the XXXX of every month instead of the monthly signed contract which the monthly payment is due on the XXXX of each month in our contract. By contract the first payment is due on the XXXX of each month and the last payment is due on the XXXX of each month. WestLake Financial has been violating our contract agreement for several years. Please contact WestLake Financial so this problem can be resolved. ( Acct # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCUCRACIES ON CONSUMER REPORT XXXX  ACCT # XXXX BALANCE XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 

XXXX XXXX ACCT # XXXX BALANCE XXXX LAST PAYMENT ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) # ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ). 

XXXX DELETED ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

This financial institution put a hold on over {$80000.00} of our earned funds until an investigation could take place to deem if we could have access to it. After an unusually long period, they released our funds, but kept {$10000.00} on reserve to cover any " future risk ''. As a consumer, we have no right, we have to obey what they demand because we do not want to lose our money. It 's been over 60 days since we stopped using their institution and they still refuse to release our money, matter of fact, now they refuse to respond to our inquiries at all.
Product: Vehicle loan or lease

have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. 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, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my XXXX loan accounts is a violation of my privacy which I did not authorize.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX XXXX report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Product: Mortgage

I would like a written explanation as to why I am being charged {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly been sending out letters regarding my charge-off accounts and a medical bill that they are reporting that is violating my HIPPA rights and the account doesn't have a name just the account number but here are the accounts that are reporting incorrectly XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. The charge-off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, XXXX have the to an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, whichstates that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below arestill reporting on my Credit Reports and need to delete immediately : XXXX & XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts below are fraudulent and needs to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX during XXXX XXXXXXXX had a data breach and unfortunately I was a part of it and my identity was stolen along with XXXX XXXX other people and due to that is now causing fraudulent accounts reporting on my credit report shown above that dose not belong on my report
Product: Vehicle loan or lease

I have an auto loan through Bank of America, I have always paid the monthly installment over the phone. In the month  XXXX  specifically on   XXXX   XXXX   XXXX     I paid installment payment of  XXXX  due date was   XXXX   XXXX   XXXX    . On   XXXX   XXXX   XXXX     the company debited my check account again in the amount of   XXXX  . I spoke with  XXXX  supervisor for Bank of America who assured me the money would be placed into my account within  1-3  days if I faxed my bank statement revealing the additional payment of  XXXX  on   XXXX   XXXX   XXXX    , bank statement was faxed on   XXXX   XXXX   XXXX     today is   XXXX   XXXX   XXXX    , my money has not been refunded to my account. My concern is that I authorize d one p ayment of  XXXX  to be drafted from my account on   XXXX   XXXX   XXXX    , I did not give this company permission to draft anything else from account. They went into my account and removed another payment without my permission, .This is a first time occurrence but how many other consumers has this happened to. Once this matter is resolved I plan to refinance my auto loan with another lender.         Thanks for your attention in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX  2014.  XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and the completed notarized identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. 
Fraudelenat accounts are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Attached is my notarized affidavit and police report. 
This is my 3rd attempt to communicate with you on this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX 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

Im accordance with the fair credit reporting act XXXXXXXX XXXX XXXX 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 an account without my written instructions 15 USC 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.
Product: Debt collection

Experian has failed to provide me a reasonable investigation of my disputes, by not forwarding all relevant information to furnishers of my information. They utilized the automated responses from furnishers, even when my evidence suggests the information is incorrect. They have been found in other incidents with consumers to provide misleading and incomplete dispute results which I believe they have done to me. 
Experian provided me with results of my dispute that were confusing, ambiguous, contradictory. When Experian deleted an account I disputed, I later found that these accounts were reinserted into my credit reports without verifying their accuracy or notifying me. Not sure what their policy is on to prevent previously deleted negative items from being re-reported by new furnishers but I think this was wrong and illegal for them to do that to me. 
They failed to investigate the hard inquiry I disputed which negatively impacted my credit score. Experian also would not let me dispute inaccurate addresses because they said a child support agency in which I have no relationship was reporting that address despite my evidence to prove that I have no relationship with this organization. 
I know that Experian is mishandling my disputes and failing to properly investigate and provide a clear account of their infestation to me as a consumer. Their actions, inactions and deliberate failures are causing me harm as a consumer. I would like the CFPB, BBB and other consumer supported agencies to investigate this credit bureau to ensure they are following the Federal laws that are in place to protect consumers rights to correct information in the public. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft i have notified all XXXX credit bureaus since XX/XX/XXXX and continue to be victimized. Here are the following accounts : XXXX, XXXXXXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I do not know where they got my # from but told 2 agents in separate ocassions tha the person they looking for is not me and i have No Business with ERC block the # and they called from a different # is very annoying and disrespectful, i did Not cosign for anyone Im Not The Person they looking for ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Payday loan, title loan, personal loan, or advance loan

There {$90.00} and charged 200 % rate. Which is alot more then expected. They stated they can do this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Crediting Act this Creditor : FNB XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX has violated my RIGHTS. 

Under 15 U.S Code 1681 Section 602 states " I have the right to privacy '' also under 15 U.S. Code 1681 section 604a Section 2 states " a consumer reporting agency can not furnish an account without my written instructions. '' I want the XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX to remove every account my name, address, & social security number furnished to XXXX, XXXX, & XXXX removed