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

FCRA violations Not mine not my credit cards XXXX Potentially negative Date opened XX/XX/XXXX Balance {$230.00} Status Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$860.00} Status Account charged off. {$4.00} not my energy bill XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX not my addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Resident type Multifamily XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2021 I received a phone call from Wilber and Associates claiming I was being sued the value of over {$4200.00} for an accident that happened some months earlier I seen the pictures I sent there's no way the damage cost {$4000.00} to repair this insurance agency also never made any attempt to contact me or the owner of the vehicle regarding this claim before they sold it now this agency is threatening to suspend my license and the license of the person who insured the vehicle if I don't pay for what I know this is a violations of FDCPA As its course of manipulative and hostile.
Product: Credit reporting, credit repair services, or other personal consumer reports

STATUS REPORTING DELIQ 120 DAYS AND OPEN INSTALLMENT SHOULD REFLECT REPOSSESSION EFFECTIVE DATE XXXX. 
XXXX I purchased a vehicle from XXXX XXXX XXXX. XXXX XXXX XXXX confirmed verbally XX/XX/2020 the Repossession XXXX XXXX. I never received the Repossession documents they stated were mailed out XXXX. XX/XX/2020 I requested a copy from XXXX the XXXX XXXX, he stated the company would not provided copies to me. I asked XXXX if there was a 3rd party I needed to retain to request a copy of the documents and he stated no the company would not document the repossession date. I asked why they would improperly report the repossessed account as an open installment account since XXXX and not update to document the breach of the loan and the repossession completion back in XXXX and he stated they can report recent late payments and report the account as an open installment that they are not required to report the repossession occurrence in XXXX. After filing multiple disputes with Equifax the reporting credit agency I finally spoke w a Manager MsXXXX XXXX Employer ID # XXXX who stated to me on a recorded line Greater Financial Resources is being disputed for inaccurate reporting and remove the 120 and 180 day recent late payments between XXXX and XXXX and update the status to reflect the repossession date of XXXX. Ms. XXXX stated XXXX XXXX XXXX response to their dispute on my behalf should reflect accurately once the company complies but however based on the companies multiple disputes received that they have yet to comply with I should report them to CFPB and file a formal complaint about this companies reporting practices. I have filed many CFPB complaints against the company since the start of the new year out of my pure exhaustion of receiving no help with this companies inaccurate reporting for 3 years and 11 months next month will make 4 years. Equifax recommended I file this complaint against the XXXX XXXX XXXX  for assistance in having this companies credit reporting practices investigated. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX XXXX, 2016. i have sent dispute after dispute and documentation requesting that they delete these accounts from my credit report as I have never done business nor know of these accounts. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit rile. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.
Product: Debt collection

Received written communication from XXXX  XXXX regarding alleged medical debt. Information provided does not substantiate or verify debt on my behalf. Asked company to " cease & desist '' debt not owed. Repeated attempts by collection agency ignored.
Product: Checking or savings account

I opened a checking account on the Citibank website in XXXX, and did deposit a check! And Citibank closed my account for no reason. and now I still havent get my money back
Product: Credit card

The fraud department of Citi bank is unable to verify my phone number or my wife phone number to be able to send a text message to verify the account. The first time this happened I had to wait for a letter 7-10 days after they froze the card. I was assured that my account had not been verified and our numbers would work. This was in the beginning of XX/XX/year>. Today while trying to add the card to XXXX XXXX for a purchase the fraud department froze the card. When I called they said any complication with XXXX XXXX will trigger fraud. They were not able to verify my account through either my wife or my phone number even though they stated this would not be a problem again. So the next verification option is to call a land line associated with the card. A completely antiquated option. Most families in the US do not have a land line. I work for the XXXX XXXX and can not give out my land line. Their next option is to verify with another Citi bank card. Why would I have another Citi bank credit card to verify the first Citi bank card? So the last option is to wait 7-10 to get a piece of mail and call in with a reference number.

This process is unacceptable and antiquated. I have multiple other credit card through my credit union and business account and have never had to deal with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX and Equifax about inaccurate and unauthorized hard inquiries on my report over 4 times in 4 months. I've contacted them about inaccurate reporting on my credit report as well, I haven't had a response. 
XXXX XXXX XX/XX/XXXX XXXXl XXXX XX/XX/XXXX XXXXl XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DeptED/XXXX INACCURATE DeptED/XXXX INACCURATE XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX NA XX/XX/XXXX Equifax DeptED/XXXX INACCURATE DeptEDXXXX  INACCURATE XXXX XXXX XXXX INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for two years.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX/ Account info Account number XXXX Balance {$6900.00} Balance updated XX/XX/year>XXXX XXXX XXXX Last reported XX/XX/year>, {$6900.00} in the State of Alabama XXXX on or, and resold on or about DATE. Under the laws of the State of ( Alabama ) UCC and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. Sincerely, XXXX
Product: Debt collection

XXXX XXXX reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.
Product: Debt collection

Debt Collection Agency did not send any correspondence that I owed the medical debt, which the debt collection agency did not notify me before inserting this {$59.00} small debt on the credit report, which is a violation of my consumer rights and they violated the Fair Credit Reporting Act. Also, I have paid this account with the collection agency, and I am demanding that this account is removed from my credit file immediately! If not, then I am taking this matter to court and filing a lawsuit. Also, I have proof that this debt of {$59.00} is paid. Also, the collection agency people did not e-mail nor fax me a copy of my paid receipt, which they are wrong on that level as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX5 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
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received a statement in the amount of {$700.00} on a time barred account from Dynamic Recovery Solutions. I do not owe this debt.
Product: Consumer Loan

voluntarily turned vehicle in, but I am still being harassed by AHF (American Honda Financial)
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies related to my address information on my credit report. Upon reviewing my credit report, I discovered that one or more credit reporting agencies are reporting incorrect or outdated addresses. These inaccuracies are affecting my credit profile and causing confusion, which could potentially impact my ability to secure credit or other financial services. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I do not know what this company is. I did not give them consent to have my information. This is fraud. This is illegal. 

Delete hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Once more, this 2nd submission of my complaint was to follow up to the XXXX, Equifax and XXXX Credit Bureaus the assistance for help to have several unauthorized credit inquiries properly investigated and removed if not verifiable from my credit report. I received a copy of my credit report and noticed that there are eleven ( 11 ) unauthorized inquiries listed. The unauthorized inquiries are listed below : XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

This is the XXXX time I've disputed this fraudulent charge. XXXX XXXX processed a debit card transaction to XXXX for {$510.00} XXXX. I have never done business with XXXX and I went into very detailed specifics when I initially made this dispute. Nonetheless, my account was charged and ultimately closed and it should not have been.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX, who resides at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because i have been alerted about XXXX unauthorized credit inquiries on my report that I DID NOT approve of. This has impacted my credit score negatively and this hurts my image and my emotions. I am a single mom and doing my bets to elevate in life. Me being a victim of this hinders me. These inquiries are from the two credit bureaus TransUnion and Equifax and i have listed them below. I have tried to contact them and they refuse to help me and remove these inquiries. I ask for prof and have these investigated. Please help me as i am distraught. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX : XXXX. XXXX, 2025
Product: Money transfer, virtual currency, or money service

I need all my money returned to me from XXXX XXXX and all other places that just kept taking from my card. All money is to be returned
Product: Prepaid card

Wont let me activate card. Tried multiple times on multiple dates to activate. Website redirects me to other sites in company. Literally a run around.
Product: Debt collection

My credit report shows accounts I dont recognize and didnt authorize. Please take action to block and remove these fraudulent entries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT XXXX LETTERS TO EXPERIAN TO REMOVE THIS ERROR FROM MY CREDIT REPORT EVERY MONTH THEY HAVE STILL SAID THAT THE ITEM IS CORRECT. 

I EVENTLY WENT TO DISCOVER AND THEY SENT ME THE LETTER SAYING THAT THE ACCOUNT WAS CLOSED XXXX  YEARS AGO. BUT EXPERIAN IS STILL REPORTING IT AS OPEN I WANT THIS REMOVED! I HAVE ATTACHED LETTERS Please correct this account. As I have asked that this be removed due to the fact of the errors on the reporting. This account was closed back in 2020 so how do I have a late payment on this account? Also I did not give permission for anyone to report this on my personal credit file. So someone is creating a fraud within the Experian reporting. 
I am requesting that this be removed within XXXX hours from receiving this information. This proves that you did not do an investigation like you said, because if you did then it would have been caught and removed when I asked you to do it. Why did I the consumer have to request the information and then send it to you? 
This is because someone lied and reported this. 
There fore I demand that this item be removed within XXXX hours of this letter
Product: Vehicle loan or lease

My auto loan is closed, Gap insurance paid it off, but still showing the balance on credit report and keeps increasing!