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

On XX/XX/23 I traded in a vehicle to a dealership who obtained a 10 day payoff. The payoff was mailed in and arrived and posted to the account on XX/XX/23 in the amount of XXXX. The regular payment of XXXX was due XX/XX/23 and after XX/XX/23 a 10 day XXXX dollar late fee was added. The amount received and posted by Bethpage FCU XXXX on XX/XX/23 was approximately XXXX dollars short of the payoff due to the late fee and the extra days until the check posted. I had contacted Bethpage FCU XXXX XXXX XXXX XXXX XXXX NY XXXX, numerous times during the entire time to check on the payment. The dealership did send the extra XXXX dollars and the account was fully closed and paid in full. 5 years early. I understand the payment was 13 days late and the late fee was paid. Bethpage reported the payment as 30 days late to XXXX and it lowered my XXXX score substantially. I have tried to resolve this with Bethpage and recently XXXX has tried. Bethpage feels the payment was 30 days late, I disagree I believe the check posted 13 days after the payment due date should represent a payment, its unfortunate the mail was delayed or the mailroom at Bethpage posted the check 13 days after the payment due date never 30 days late. Thanks for you help!
Product: Debt collection

To ATG llc, The manger I talked to At AtG llc, does not know the law when it come to consumer Rights. What this lady is doing is intentional by putting the debt that is not mines on other credit reports like XXXX ect. On my XXXX account I challenge what was on my report from ATG llc. I said I was the original creditor, XXXX stated, Account information disputed by consumer meets FCRA requirements. So what ATG did was put that debt on my other credit reports. If ATG looks up 15 u.s.c 1602 and go to ( I ) term. I have a social security Card, at it States, means any car used for the purpose of obtaining money, property, labor, or services on credit. So when I opened my bank account I had to use my SSN to get a bank account, the money I used was mines because. That's why I say I'm the original creditor, because every debt or obligations or extension of credit is originated from my social security, so basically what the Bank XXXX  is doing is using my credit a saying I owe them when I don't basically that is identity theft. 15 u.s.c 1681a ( 2 ) exclusions and ( I ) States that transaction and experience are not allowed on consumer reports. Because transaction is my payment history, transaction with the line of credit person/corporation extended to me. My experience is the amount of credit I'm using on that line between me the consumer and the person making the report so if the term consumer report does not include transaction or experience then where does late payments and utilizations come from? When I'm trying to explain this to the manager she basically goes of her own understanding and not the law, which she is deemed to know. The law is public anyone can look it up. No why would this manger keep going putting this debt on other sites when my complaint meet FCRA requirement. If I meet the requirements why would they keep reporting it to other credit reporting agencie?. They are in violation of the law and should receive a hefty fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not add any new credit inquiries to my conns report. One showed up in XXXX and I recently got another that should not be there. Please help to remove the inquiries hard credit pulls
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 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 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, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Product: Debt collection

on or about XX/XX/2022 i contacted XXXX and or resurgent debt collector and asked for information regarding account ending XXXX and asking not to be contacted further. on or about XX/XX/2022 i received a text message from resurgent debt collector regarding an account that has been paid in full for less than the total balanced ( settled in full ) on or about XX/XX/2022 i received a notice from XXXX regarding an account which i have advised was opened without my written consent. company has not provided any relevent documentation regarding the account and continues to contact.
Product: Debt collection

The company refuses to identify themselves. They call and text my family memebrs as well as my brothers girlfriend who sent me the text today. The companys phone number is XXXX, the message states case # XXXX I called and the guy refused to identify himself or the company. He kept claiming Capital one is suing me and that he ia an attorney. I have XXXX active accounts with capital one. Neither account is in default. I did have acapital one account in the early XXXX 's that was a judgement, he claimed it was not that account. i advised him it is well past 7 years. He refused to provide further information and stated they would contine to contact who ever they want. My brothers girlfriend has called them several times and they refuse to stop calling her. They never contact me. I have spoken to several different people at this company and the harrasment continues. I am not sure what to do to get them to stop calling my family and their friends.I have attached the text message that was sent to my brothers girlfriend. Her phone number is not associated with me or my lastname in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rec, d notice of change in credit report.was advised to call XXXX After explaining to foreign accent agent and repeating info etc was told to call XXXX which was not real person or ability to talk to one.The choices offered did not seem to meet my needs.Waiting for other options, was cut off. 
Called original number back and asked to talk to supervisor whose first language is English.Initially was strongly resisted but eventually put on hold. 


The Equifax people have damage me, causing me great angst, repeatedly wastes my time and gives no satisfaction.
Product: Debt collection

i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( XXXX ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX I OWE NO DEBIT AND I REFUSE TO PAY. NEVER DID BUSINESS WITH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting inquiries that I did not authorize and dont recognize. The below inquiries need to be immediately deleted from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX - XX/XX/XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Debt collection

BACK IN XXXX, ABOUT A YEAR OR SO AFTER I MOVED TO XXXX FROM XXXX, I WAS GETTING READY TO START COLLEGE. THROUGH THE PROCESS OF FAXING DELICATE SENSITIVE INFORMATION TO SCHOOLS BACK AND FORTH AND MOVING FROM HOUSE TO HOUSE I FEEL LIKE SOMEONE GOT A HOLD OF MY IDENTITY THROUGH GARBAGE OR SOME HOW ELSE. AS A XXXX XXXX XXXX, THE LAST THING TO HAVE EVER CROSSED MY MIND WAS SHREDDING DELICATE DOCUMENTS OR EVEN PROTECTING MY CREDIT. IT WASNT TILL JUST A COUPLE YEARS AGO, I FOUND OUT ABOUT THIS CAR LOAN OPENED WITH XXXX XXXX XXXX. I REMEMBER GOING TO SCHOOL AND TRYING TO APPLY FOR LOANS AND THEY KEPT ASKING ME ABOUT THIS COLLECTION ACCOUNT THAT I WAS NOT AWARE OF! I HAVE REACHED OUT TO XXXX XXXX ABOUT IT AND THEY HAVE NOT DONE ANYTHING TO ASSIST. I HAVE EVEN ASKED THEM FOR THE CONTRACT AND IN THE CONTRACT THEY ARE MISSING NAMES. YOU COULD ONLY SEE THE FIRST 4 LETTERS OF MY FIRST NAME AND THE REST OF INFO IS MISSING. I TOLD THEM I NEEDED A VALID VISIBLE CONTRACT SO I CAN REPORT THEM AND THEY HAVE NOT BEEN ABLE TO PROVIDE ME WITH ONE. I HAVE REACHED OUT TO XXXX SEVERAL TIMES AND THEY KEEP STAYING IN FAVOR OF XXXX XXXX BY REPORTING IT AS VALID. I HAVE SENT REPEATED NUMBER OF DISPUTES AND IT HAS NOT BE RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase XXXX XXXX is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. 

I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed as this derogatory reporting is harming my attempt in employment.
Product: Credit reporting or other personal consumer reports

Disputed Midland credit management on XXXX, disputed XXXX accounts. Asked for specific details to verify alleged debt. XXXX verified both accounts without providing the proper information requested by me. Account XXXX is inaccurate with original balance, past due balance and balance being inaccurate, therefore must be removed pursuant furnishing inaccurate, harmful data. Account XXXX has a past due balance, which is inaccurate reporting since it cant be past due on a collection account therefore I demand immidiate removal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reports Bankruptcy to Transunion. I did not give XXXX permission and I have asked for a freeze and deletion of my personal files through certified mail and phone calls leaving voice messages on XX/XX/23, XX/XX/23, and XX/XX/23 with no response. 
All I get from XXXX XXXX XXXX is that they can not freeze and delete my personal files and that I need to contact Transunion to freeze and delete with them. Transunion and XXXX XXXX XXXX are two different entities. I have the right to ask XXXX XXXX XXXX to freeze and delete my personal files. 
There is something VERY WRONG that XXXX XXXX XXXX will not honor my quest to freeze and delete my files and even worse directing me to Transunion to freeze there. I do not want to freeze my file with Transunion I just want to freeze and delete with XXXX XXXX XXXX. 
I have provided XXXX XXXX XXXX response to my request on XX/XX/23, XX/XX/23 and XX/XX/23 for your review. 
You will see clearly how XXXX XXXX XXXX has ignored my continued request to freeze and delete my file. 
I am making a complaint to Transunion because Transunion is allowing XXXX XXXX XXXX to continue to verify my Bankruptcy even when they know I have reached out multiple times to have XXXX XXXX and delete my file.
Product: Checking or savings account

On XX/XX/2024, I was XXXX {$200.00} from someone I know personally. The XXXX  payment was done in front of me, and consensually as well. After this, I came to find out that this individual went ahead and called his bank and reported the XXXX payment as fraud due to this my entire bank account was frozen. In fact, this payment was not done fraudulently, and I have also tried to talk to my bank about this. The bank has been very unhelpful. I even tried to tell them, I do not need the XXXX take it back, but please just unfreeze my bank account. My paycheck from work was deposited into the bank account, which is frozen. I have no access to any funds, and i am very helpless. I am not able to buy food or pay my bills. If my account is not unfrozen, I am also running the risk of being homeless as i will not be able to pay rent or be able to go to my job. Chase bank has not been helpful or given any information to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company for investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof.
Product: Vehicle loan or lease

My car was paid off in XX/XX/XXXX from TD Auto Finance. I have yet to receive a title. I called back on XX/XX/XXXX and told them we never received it so they stated they would file for a lost title and resend. XX/XX/XXXX I still do not have. I call TD back and they said it takes 7-10 business days and the title has not yet been released. ( That was day 11 ) The supervisor at TD, name XXXX, said she would have released today. I called the XXXX XX/XX/XXXX and they still do not show it released and said there is nothing they can do until TD releases it. So, I called TD back and spoke with another supervisor, named XXXX XXXX. She told me she sees where the supervisor yesterday put in the request, but I need to give it ANOTHER 3-5 business days??? The loan was paid off 3 months ago! 
We are purchasing a home and we have to have this off our credit by XX/XX/XXXX. I don't know what else to do since we keep getting the run around from TD Auto.
Product: Bank account or service

Citi Bank offered a {$400.00} bonus if I deposited {$15000.00} for XXXX month and then kept this there for additional XXXX months. I sent the money on XX/XX/XXXX and kept this for the required XXXX months. Citi Bank states I met my requirements and has still not paid me as of today and should receive the bonus on XX/XX/XXXX. 
Today ( XX/XX/XXXX ), I still have no bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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, credit repair services, or other personal consumer reports

My account with CCB/XXXX  has been paid and closed but it is reporting with new late payments from XX/XX/2019 & XX/XX/2019. This information is incorrect. I have disputed this inaccurate information with the credit bureaus and creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.
Product: Mortgage

1. XXXX XXXX XXXX XXXX as Trustee for the Bebefit of the XXXX XXXX Asset Backed certificates, Series XXXX1 2. Specialized Loan Servicing 3. XXXX XXXX XXXX 4. XXXX 5. XXXX County Clerks Office 6. New York State Court,  XXXX New York 7. New York Bankruptcy Court, XXXX, New York I have been in a 12 year battle against mortgage fraud. I am facing an illegal foreclosure. 
The above entities along with their attorneys have relentlessly pursued me to illegally gain possesion of my home. Attached you will find evidence and facts.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Employers : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Debt collection

An item appeared negatively effecting my credit report regarding an account of which I had no knowledge. My expecting fiance and I were denied housing because of the derogatory marks on my credit. This account was opened fraudulently. Ive asked that the item be removed from my credit report simply pending further investigation into the matter. At this time no steps have been taken by the company to allow for such and legal counsel has been obtained.