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

Ongoing since XX/XX/XXXX to present. Told XXXX I did not apply for a loan. Insisted I did. I filed identity theft report I submitted their fraud brochure filled out four times. In XX/XX/XXXX they reported me to credit bureaus as past due accou. Huge impact on my credit score as Ive never made a late pmt. Sent them copies of hard inquiry which they removed the account info but say they did not do hard inquiry so they wont remove. Requested by certified mail that investigation be performed by bureau and please send me detail info of finding which I never received. Sent certified letters to all 3 bureaus. i would like restitution.abd by credit report be corrected with the correct information.
Product: Credit card or prepaid card

I was astonished once I obtained my XXXX XXXX and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that ( Capital One ) reported what was notated as a ( LATE PAYMENT ) for a credit card account date opened ( XXXX ) on my credit report. In pursuant to title 15 U.S.C. 1666b No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 

XXXX XXXX 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: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card

I used Barclay Cards website to make my online payments. I did not realize that I had selected through there website an old account that I was no longer using and I had selected a payment to be paid in XXXX and XXXX which was returned was account frozen.
Product: Credit card or prepaid card

For exactly a month now, Apple restricted my Apple credit card and I have not been able to make purchases using this card because they said my account is " under review ''. They said that someone would contact me to resolve the situation when the review is done, but they never did. When I tried calling back like every week ( latest was on XX/XX/XXXX ), Apple still told me the same thing ... to wait for a return call. I even verified any information about myself that the representatives asked over the phone. I told them that I have waited a whole month now to get my card back, and they refuse to give me my card back, saying I have to keep waiting. This is very unacceptable handling of a credit card. I want Apple to unrestrict my Apple card so I can use it again. I did nothing wrong, and they have done absolutely nothing to update me or make progress on this issue.
Product: Debt collection

XX/XX/year>2023 Open- {$400.00} This is on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I placed a security freeze with all XXXX credit bureaus. 
XX/XX/XXXX I lifted a security freeze from all bureaus XXXX XXXX I added the freeze back onto my accounts with ease except for Equifax, the automated self security freeze wasnt finding my account so I called and spoke to XXXX case # XXXX, who asked me several verifying questions, which I responded to, yet she keep repeating herself and wasnt listening as I had to keep responding to the same questions over and over. I finally requested her supervisor XXXX, who jumped on the call and also was not listening or willing to assist me with making sure/verify my account had a freeze reestablished, I requested her manager, and she refused to transfer, indicating it stops with her. I kept on her until she put me on hold, then another individual XXXX jumped on the call, indicating she is also the last person that can assist ( escalation grp )! Complete JOKE! She wanted to recite her procedures and policies to me, which I refused to hear, as my ONLY concern was HOW DO I GET THE FREEZE back onto my account again, she kept on and on that she MUST explain the process to me. I explained to her I was not interested, again all I need is to add/verify my freeze, she said she must verify me and my response was ok what do you need, although she did not ask me any verifying questions or assisted me with the freeze. This agency is putting my credit at risk and needs to be addressed, they can not continue to have front line and escalating personnel that are unwilling to help!
Product: Credit reporting, credit repair services, or other personal consumer reports

this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX # : XXXX, Account name : # :, XXXX XXXX XXXX XXXX Account name : XXXX XXXX, # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AN1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Remove this account for failure to investigate and blatant inaccuracies. 

Enclosed is : Your new update from XXXX XXXX XXXX. Yet again reaging the Charge off by saying XXXX  for both XXXX and XXXX XXXX. There is no high balance, so it's not possible to owe anything XXXX. Now XXXX submitted that XXXX paid, XXXX late but that's not even possible when acct was open XX/XX/XXXX! 

XXXX  report from XX/XX/XXXX off direct Experian data XXXX showing no late payments in payment history for XXXX to XXXX. It just went straight to Chargeoff being reported for two months, XXXX and XXXX Again illegal reaging XXXX. There's no activity date reporting. That's not possible XXXX. In the derogatory info, it says XXXX and XXXX as 90 days late. It can not be 90 days late and also a chargeoff, nor can it go from nothing straight to 90 days without XX/XX/XXXX prior, nor can it report 90 days two months in a row. 

XXXX  credit report showing no closed date. This is being reported as open and chargeoff can not be open. 

They have had numerous chances to properly and legally report this as accurate and it has continued to have major inaccuracies for over 45 days now. 

Remove this account. I have provided proof from your own bureau and what is supplied when my Experian report is pulled. There's nothing on any of these enclosed reports that show it was verified, and your automated system keeps saying over and over that it was verified but it wasn't Also why the comment section isn't disclosing that I have filed disputes when it's required fcra. 

I want an update credit report mailed to me showing this account removed please
Product: Debt collection

Debt from XXXX XXXX XXXX  is charged of and closed on my credit report and I want this to go away on my credit report this is a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Product: Checking or savings account

I had fraud on my personal and business accounts My checks were stolen my debit business card was stolen and my personal cards were stolen the robbers cleaned out my accounts I provided the bank with the police reports and they denied all my claims and refused to help me get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my XXXX Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions and permissions.
Product: Credit reporting

EQUIFAX REPORTS XXXX, XXXX XXXX XXXX ACCT XXXX ON MY CREDIT REPORT.THE COLLECTION AMOUNT LISTED IS XXXX.THE ACCOUNT WAS SETTLED ON XXXX/XXXX/2016 ( SEE BANK STATEMENT ATTATCHED ) FOR AN AMOUNT IN EXCESS OF XXXX. 
MY REPORT SHOULD INCLUDE THE DATE AND AMOUNT PAID.IN CALIFORNIA ALL COLLECTION FEES IMPOSED THAT WERE NOT DISCLOSED ON ORIGINAL CONTRACT ARE ILLEGAL.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you mind verifying the documents? There are discrepancies in some of the listed accounts regarding their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old XXXX bill paid in full sold to collections more than once On credit report as late payment and collections Amount {$350.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by Experian, XXXX, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can Experian, XXXX, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than 2 months old. How am I suppose to purchase a new car so I can get him to his XXXX XXXX Dr checkups?
Product: Credit card or prepaid card

I was scammed by a service company. They charged me upfront {$1600.00} on the phone without disclosing that they hired an assistant who does not have the license to perform the service. When I asked for cancellation and withdraw, the company denied. When I disputed to my credit card company, the service company represented fraud evidence that I was compensated {$500.00}. My credit card company closed my dispute in the favor of the service company.
Product: Vehicle loan or lease

As described in a previous complaint the company did not afford me the opportunity to rectify a payment that was not processed by the bank before writing my loan off and sending for repossession they sent me email confirmation of payment never a notification that that payment did not go through. At a later date when trying to make a payment the agent on the phone told me if I payed the past due balance in full my loan would resume as normal I then made a XXXX XXXX payment to only find out after making the payment that my loan would never resume as normal and that it would now remain in collections. I am under the impression that it is illegal for an agent to lie to a customer over the phone? I then asked to speak to a supervisor and was refused by the agent to speak to one and then the agent stayed on the line without speaking essentially ignoring all request for long periods of time. A complaint was filled against the agent which I never received follow up. When trying to call the recovery unit no one answers the phone during normal business hours making it extremely difficult to gather information or make payments. When I called the main bank the agent on the line was also unable to reach the recovery unit. In the previous complaint the company never address several issues about notifying me prior to write off or repossession. Still no supervisory agent from the bank has personally contacted me from the recovery department to speak to me.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX AARGON AGNCY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXXXXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I tried several times to have my loan with XXXX resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and XXXX has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at XXXX but they have not answer nor return my call. 

Please see the below as a reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : XXXX California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general XXXX announced a multistate settlement with XXXX XXXX XXXX XXXX ( XXXX  ) that includes over {$550.00} XXXX in nationwide relief for XXXX XXXX California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, XXXX will provide over {$99.00} XXXX in relief to thousands of California consumers who XXXX approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. XXXX will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buyback.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to dealership 2020 was promised and guarauteed my credit would only be ran inside the dealership. Instead unknowningly and without my permission, it was ran through mulitple finance companies. Following companies are below! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX