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

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

I filed a complaint against Citi card because a Citi Diamond card was bothering me with constant offers to increase my credit limit without running a hard credit check. Complaint # XXXX. In the complaint I stated I contacted the wrong card, I called Citi Costco   Anywhere card to ask about the offer. I spoke to a live agent and I told him I was calling about the offer to increase my credit limit without a hard credit check. He put me on hold. He did not confirm the availability of the offer at Citi Anywhere Visa and when he returned to the phone he says, so you want to ask for a credit increase? I actually thought he was checking on the offer 's availability but he was not paying attention and putting me on hold to do something else. I received the response to my complaint today from CITI. The entire response is a total fabrication of facts, frankly downright lies. Citi 's response from an employee at the Office of the President " claims '' he looked at actual evidence Citi has somewhere. I am not privy to this secret information and don't have anyway to refute the evidence as I don't have access to it. I am appalled that an employee at Citi 's Executive Response Unit would report total fabrications and falsehood to the Consumer Financial Protection Bureau. Not one word in CITI 's response is true.
Product: Debt collection

pursuant to 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 1681 B 2 company has also no permission to report anything using my info. pursuant to 15USC 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 my FICO scored dropped from XXXX to XXXX for absolutely no reason. I have no delinquent accounts or outstanding balances. My bills are always paid on time. I have an impeccable record. It appears it is either a clerical error or a problem with the algorithym coming up with the erroneous results. My FICO score should be at the excellent level.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX XXXX XXXX. My Illinois license plate was stolen and I filed a report of the plate being stolen. The individual who stole the plate ran up {$1600.00} worth of unpaid Illinois toll fees. I spoke with the XXXX XXXX XXXX XXXX XXXX  and they stated that they do not report to the credit bureaus. I have corresponded with this credit bureaus directly numerous times with no positive recourse.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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: Money transfer, virtual currency, or money service

Two checks # XXXX & # XXXX memo ; XXXX XXXX XXXX XXXX dated XX/XX/year>. Two amounts : {$3700.00} {$9700.00} totalling {$13000.00}. Both ficticious items paid to the order myself XXXX XXXX.
Product: Debt collection

I made a complaint in the month of XX/XX/XXXX about not knowing who P & B CAPITAL GROUP LLC is and what debt they're trying to collect. They sent a copy of a Promissory note which claims I received a payday loan from XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I lived in the state of XXXX. Both are not true because from XX/XX/XXXX - XX/XX/XXXX, I was living in and resident of the state of XXXX XXXX  and Payday loans or loans more than 25 % interest are ILLEGAL in New York. It is also ILLEGAL for a debt collector to collect, or attempt to collect, on a payday loan in XXXX XXXX XXXXXXXX. I've attached my W2 for XXXX, my last earning statement while living in XXXX and a XXXX XXXX  credit card statement which shows my previous address of XXXX XXXX XXXX, XXXX XXXX NY. P & B CAPITAL GROUP LLC has failed to check the accuracy of the information they received and is reporting inaccurate information to XXXX XXXX which hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach that they did not tell consumers about until months after the fact. This breach leaves me very vulnerable, as it gives away all information that is needed to take on my identity. There was no way I could have protected myself against it because Equifax had control over my data without my permission. 

Now I have to freeze my credit reports ( including with Equifax ), which incurs a fee and additional administrative work to unfreeze if I want to change apartments, for example. However, the data that Equifax leaked can be used to unfreeze my credit reports, defeating the entire purpose. Equifax has not offered any reliable mitigation to the risk of identity theft - offering free credit monitoring with the caveat that we can not sue them is worse than other solutions they could have used, for example offering free credit freezing. 

This situation shows that Equifax can not be trusted with this important personal data, however I have no power to stop them from having control over my credit or my data.
Product: Mortgage

XXXX weeks behind on my mortgage calling emailing threatening foreclosure ask to get an extension was told no the counselor was rude yelling and cursed one time telling me I need to learn how to handle my XXXX bills
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX XXXX XXXX XXXX  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 sectioXXXX XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXXXXXX XXXX XXXX XXXX 


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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: 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 Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallt, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

making payment on time til job loss. making partial payment with agree ment of company every month, company repo vehicle without notice and the vehicle went to unknown location. repo was on XXXX/XXXX/2016. 
also please site for harrassing phone calls two and three times a day at least six days a week, sometimes XXXX right behind the other.
Product: Checking or savings account

At the Beginning of XXXX XXXX the XXXX ) I noticed that there were fraudulent withdrawals being made from my XXXX debit card that I have with Bank of America. I called immediately and they told me that they were going to file a claim and that my card would no longer work but that I would receive a credit and would still have access to the account to be able to deposit and withdrawal money while I waited for a new card to be sent. After a week went by I saw that I was no longer able to sign in online to view my account and when I called I was told that since they are having a lot of fraudulent activity that they are just completely freezing any account with a claim and that they are investigating them in the order that they were received. I was also told to call back every few days to check the status of my account but even until today on XX/XX/XXXX, there has still been no update and it is still frozen. I wasn't until the 4th time I called that I was told that I have to fill out a form for XXXX to verify my identity and that once that was done I would have to call Bank of America back to request another form to be sent. I've called a few times each week and there is still no change to my account, they say I am supposed to receive a letter saying that my funds have been returned and that I can access the account but I have yet to receive any such letter. I called unemployment and they told me that if I filled out the form to verify my identity then I just have to wait until both entities finish there investigation and communicate with each other, meanwhile I still have to certify for benefits every two weeks and money is being deposited into an account that I can't access and I don't have any other means of income.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fait Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

My name is XXXX XXXX I was contacted by a contacted by a debt collector on XX/XX/2022 at XXXX XXXX in the XXXX advising me that I had open a bank account with XXXX XXXX is XXXX XXXX in the amount of {$1700.00} I advised them that I had never opened an account and I've never heard of that company they were unable to provide me with any I contacted XXXX regarding the account the account they advise me to contact use me to contact lending club and XXXX XXXX Who opened the account I am not in need of any money and I do not need to open a bank of account I have an established bank account with a financial institution she advised me to this link to report the fraudulent activity activity my email is XXXX XXXX phone number is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I need your help in resolving this issue. I need your assistance with this fraudulent case I have been receiving suspicious emails that someone has also tried to open up a XXXX claim with unemployment unemployment I would appreciate all of your help and feedback thank you very much sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account attached has been paid for months. The status has been updated on XXXX and XXXX but not equifax. The company agreed to remove once paid and it is not even showing paid. I would like for this to be removed
Product: Credit card or prepaid card

Creditor is calling from a private number, threatening to lower balance to XXXX, calling on a sunday at XXXX XXXX and after XXXX XXXX at night.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXX Education XX/XX/XXXX Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months Individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX 0 % {$18.00} {$1000.00} 120 Months XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 0 % {$31.00} {$1700.00} 120 Months Individual
Product: Money transfer, virtual currency, or money service

2017 til present. I have used the money transfer site known as Zelle to send/receive various amounts of money. I believe that there is a very strong chance that there was fraud committed on their end.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 

I do XXXX XXXX XXXX, I am quite known in the XXXX XXXX and I always deliver my commissioned works on time. I have done nothing wrong. 

I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I use PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Credit reporting

US DEPARTMENT OF EDUCATION # XXXX for is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Experian for them to delete the account or remove the INACCURATE PAYMENT HISTORY that make this account falsely past due and in collection. I have contacted the US Department of Education and I have been informed by them that they have alerted Experian XXXX that this account should not be a derogatory item, it should NOT be reported as a collection or in collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any proof of verification as to their reasons for reporting the account this way.
Product: Checking or savings account

Between XXXX - wellsfargo bank applied overdraft fees that seemed abusive and not just or agreed upon. 
They would apply overdraft fees and move money from XXXX account, Savings, to another account and charge in between a price. We have paid many times the cost. We asked directly to cancel the overdraft fee. Wells Fargo continued to use overdrafts for a long time, not fixing the problem and in between charging us time after time. 
Example - Situations like a direct payment to a savings account- would have no sufficient funds when the notice would come. I would go to my checking account, transfer the money within one hour, correct the problem during that hour, and be charged XXXX Euros - as an overdraft fee. 
The service was sold as a service that the bank would do to make sure the overdraft would be corrected. Wellsafrago was in fact, making a big amount of money for each occurrence or suspension. 
Because I was living on a tight budget, every time they would charge us an overdraft fee that would create an imbalance and they would charge more overdraft fees. 
It was a vicious cycle and I feel that I was mistreated and unfairly robbed. 
XXXX